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Complex Mortgage Cases · Scotland

Been told no
somewhere else?
Let's have a look.

A decline from a high street bank is not a definitive answer. Our advisers specialise in cases that don't fit a standard template — adverse credit, complex income, non-standard properties, unusual circumstances.

We never dismiss an enquiry without looking at the full picture. If there's a route to a mortgage, we'll find it. If not yet — we'll tell you exactly what needs to change and when to come back.
We can help with:
Decrees, defaults and missed payments
Discharged trust deed or sequestration
Debt Arrangement Scheme (DAS)
Complex or multiple income sources
Non-standard construction
Debt consolidation mortgages
Divorce and separation
Non-UK nationals / visa restrictions
Properties above commercial premises
Previous repossession
Ex-local authority properties
Discuss my situation
Your Advisers

Direct access. No call centres.

Initial consultation is always free — no obligation, no hard sell.

Phil McLeod
Phil McLeod
Principal Mortgage Adviser
First Time BuyersRemortgageSelf-EmployedComplex Cases

Founder of the firm. Based in Lesmahagow, Phil advises clients throughout Scotland on first time buyer mortgages, remortgages, buy to let, self-employed and complex cases.

Lesmahagow, South Lanarkshire
90+ lenders, whole of market
100+ Google Reviews
Free initial consultation
Book with Phil
Dougie Ritchie
Dougie Ritchie
Mortgage Adviser — Buy to Let & Complex Cases
Buy to LetPortfolio LandlordsComplex CasesLtd Company BTL

Based in Renfrew, Dougie advises landlords and complex-case clients throughout Scotland. An experienced adviser and property investor in his own right.

Renfrew, Paisley & Renfrewshire
90+ lenders, whole of market
Property investor & landlord
Free initial consultation
Enquire with Dougie
Areas We Cover

Mortgage advice across Scotland.

We advise clients anywhere in Scotland — including Fort William, Oban and the surrounding areas — with appointments normally carried out by telephone. Initial enquiries are always free.

Lesmahagow
Lanark
Hamilton
Biggar
Motherwell
Carluke
Larkhall
Strathaven
Douglas
Wishaw
Law
Forth
Crossford
Kirkmuirhill
Abington
Renfrew
Paisley
+ All of Scotland
FAQs

Questions answered honestly.

Google Reviews

What our clients say.

5.0· 100+ Google reviewsRead all reviews →
Verified
South Lanarkshire
"Philip has been amazing from start to finish — from purchasing my house right through to renewing mortgage agreements. Such a dedicated individual. He even helped me secure my home purchase whilst he was on holiday. This man deserves all the credit."
William
Hamilton
"Phil went above and beyond to find the right lender — no jargon, just clear explanations of the pros and cons. Have used Phil for multiple buy to lets and our own home. Highly recommend."
Kevin
Lesmahagow
"Phil was absolutely brilliant to deal with — no issues at all. Would highly recommend. Thanks again Phil."
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