Mortgage advice anywhere
in Scotland.
We are based in Lanarkshire and advise clients from Fort William and Oban to Inverness, Glasgow and the Borders. Here is how that actually works, and where we cover.
- Fort William
- Oban
- Inverness
- Glasgow
- Lanarkshire
- Renfrewshire
- + surrounding areas
Start your Scotland enquiry
Two quick questions, then we take it from there.
- Whole of market, 90+ lenders
- Advice by phone or video
- Free initial consultation
- 2-hour response, Mon–Fri
Takes less than 30 seconds · No obligation
The question we are asked most often by people outside the central belt is whether a firm based in Lanarkshire can really look after a purchase in Oban or a remortgage in Inverness. The short answer is yes, and a large share of our Highland and Argyll work arrives through clients who have already been through it and told someone else.
The Scottish process has its own rules — Home Reports, offers through solicitors, closing dates, missives and conclusion — and lenders vary in how well they handle them. Knowing that is most of the job.
How advising across Scotland actually works
Advice by phone and video as standard
Most of our clients never sit in an office, and the advice is identical. Documents are shared securely, applications are submitted electronically, and you can reach your adviser directly rather than through a switchboard.
Whole of market, not a panel of favourites
We compare 90+ lenders. That matters more the further you get from a mainstream case — a seasonal income in Argyll or a stone-built house in Lochaber narrows the field considerably.
The Scottish process, handled properly
Home Reports, notes of interest, closing dates, missives and settlement all work differently to England. We coordinate with your solicitor so nothing stalls.
One adviser, start to finish
You deal with the same person from first conversation to mortgage offer, with a dedicated case manager keeping the application moving in the background.
The kinds of Scotland cases we take on
First time buyers
Deposit, agreement in principle, Home Reports and closing dates — explained in the order you actually need them.
Learn moreHome movers
Porting, selling and buying in the same chain, and getting the timing to line up without losing the house you want.
Learn moreRemortgaging
Coming off a fixed rate, releasing equity, or comparing a product transfer against moving lender properly.
Learn moreSelf-employed and company directors
Sole traders, contractors and limited company directors, including seasonal and variable income.
Learn moreMore complex circumstances
Adverse credit, non-standard property, multiple income sources, or an application declined elsewhere.
Learn moreDebt consolidation
Weighing up whether raising borrowing against your home to repay unsecured debt genuinely stacks up.
Learn moreAdvice wherever you are
Advice by phone and video is how the firm works, and it is the reason we can look after clients from Lochaber to Lanarkshire without either of us travelling. Documents are shared securely, applications are submitted electronically, and you can reach your adviser directly rather than through a call centre.
From first call to the keys
- 01
A conversation, at no cost
We start by understanding your position — income, deposit, timescales and anything you already know might complicate matters. No cost and no obligation.
- 02
We search the market
We compare across 90+ lenders and check criteria properly, so we approach lenders likely to say yes rather than the one with the best headline rate.
- 03
Agreement in principle
You get something to show sellers that your borrowing is credible. In a competitive market, that is what makes an offer worth taking seriously.
- 04
Full application and offer
We submit the application, chase the valuation and handle lender queries. Our case manager keeps it moving and keeps you informed.
- 05
Through to settlement
We coordinate with your solicitor through missives and settlement, and make sure buildings cover is in place from the right date.
Mortgages in Scotland
Also serving nearby
We advise clients throughout Scotland — these are the areas closest to Scotland.
Looking for a mortgage in Scotland?
Tell us what you need and an adviser will come back to you within 2 hours, Mon–Fri. Free, and no obligation.
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