Edinburgh Mortgage Advisers

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    "BRILLIANT SERVICE. Would recommend them to anyone looking for a reliable IFA in Edinburgh"


    - James Finlay, Edinburgh

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    Edinburgh Mortgage Advisers

    For a lot of people, when the time comes to try and get a mortgage, whether it be their first ever mortgage or a remortgage later in life, they tend to just give the bank they have their current accounts with a call and take whatever mortgage advice and deal they offer. If this is how you sought your own mortgage, you could be paying many thousands, even tens of thousands of pounds more over the lifetime of your mortgage than you have to.

    Watch our quick video below to see how one of our Edinburgh mortgage advisors can help save you hundreds, or even thousands of pounds per year on your mortgage:

    Alternatively, by using an experienced independent mortgage adviser or mortgage broker, you will be able to get whole of market access and full comparison between all the deals available.

    This means you can see in simple terms what deal is going to be the best for you in terms of repayments and whatever other features you require to suit your needs.

    mortgage broker Edinburgh

    The other massive advantage of using an Edinburgh independent mortgage broker is that the advice is completely impartial. By simply visiting a bank who only have in house mortgages available, you can almost guarantee that you are not getting the best possible deal available to you.

    Independent mortgage advisors often have access to exclusive deals too, these are deals that no banking institutions can access, only independent mortgage brokers.

    Our Edinburgh mortgage brokers and advisers can provide you with expert advice on the following types of mortgages:

    Edinburgh first-time buyer mortgages

    If you're a first-time buyer you are likely to be the person who will benefit most from independent mortgage advice.

    The advisor will help you prepare your mortgage application to give you the maximum chance of landing that elusive first home of your own.

    They will help save you money initially, and in the long run. You have already saved long and hard for your deposit, so you want a mortgage deal with the lowest possible interest rates and fees.

    Buying your first home can seem a little daunting. You may not know much about the house buying process and you will hear a lot of baffling financial terms. You may wonder what all the different fees relate to, what fixed rate, variable rate and interest-only all mean - not only in general but for your specific needs. An independent mortgage advisor will explain all this to you and help you through the minefield.

    Edinburgh remortgages

    Remortgaging means switching your mortgage to another lender, or renegotiating a better deal with your current lender.

    You may have come to the end of your fixed term deal or a special introductory offer. Is your mortgage still meeting your financial requirements?

    Or is it time to seek advice over a better deal?

    Basically, remortgaging is taking out a new mortgage contract in place of your the one you have at the moment.

    Your lender may want you to stick with them and the standard variable rate you are currently paying.

    Maybe, it is worth checking with an Edinburgh independent mortgage advisor to see if there is a better product that could save you money.

    It is possible your circumstances have changed since you took out a mortgage - whether they have improved or you have hit hard times, the advisor will be honest with you and present the options for going forward in an unbiased manner.

    Alternatively, you may wish to borrow money to improve your home, remortgaging might be a cost-effective way of going about this.

    Your advisor can analyse your finances and help you decide if it's possible for you to pay more or less back a month with a new deal.

    It's possible that your financial position has improved and you would now like to pay more and your current deal won't allow this.

    Conversely, you may need to pay less as your income has fallen. Independent advice will spell out the options available to you.

    Edinburgh home mover mortgages

    Moving home has been said to be the second most stressful time in a person's life after the death of a loved one.

    So why not let someone else do most of the legwork?

    You may want to move your current mortgage to a new property or apply for a new mortgage completely.

    What are the advantages and disadvantages of each option for you personally?

    An independent mortgage review of your current financial product can help you decide. The advisor's expert knowledge of the current market conditions will help you decide which way to go.

    A mortgage advisor will be in touch with the market, therefore they will be able to advise on whether or not it is a good time to buy or sell, how the market is likely to change in the near future and the advantages and risks of any decision you may make.

    Edinburgh buy to let mortgages

    If you are considering buying a property to rent it out to tenants in Edinburgh, or anywhere else in the UK, you will need a buy-to-let mortgage.

    Mortgage products specifically for people who require a mortgage for this purpose are different from other mortgages available.

    Buy-to-let mortgages generally have higher rates than other residential mortgages and are based on expected rental income rather than your salary.

    This is because lenders view this type of mortgage as a higher risk option. Typically, the landlord depends on the rent in order to pay the mortgage, so is reliant on somebody else's finances. If the tenant defaults on their rental payment, the lender sees there is a risk the landlord will be unable to pay their mortgage.

    Because of the higher rates, getting the right advice is even more important. The buy to let market is completely different from the residential market and independent advisors will have their fingers on the pulse of that market; they will be able to tell you what type of mortgage is best for which type of investment.

    There are also local authority rules which apply to the rental market, especially when it comes to HMOs, your advisor will be able to tell you how these will affect your rental income and therefore the mortgages available to you.

    Our advisors can also help you get the best deal on limited company buy-to-let mortgages.

    The Financial Conduct Authority (FCA) does not regulate some buy to let mortgages.

    Edinburgh commercial mortgages

    You may not be able to call some lenders directly to get a commercial mortgage.

    Some lenders work exclusively with advisors in this field. These advisors may have such contacts and might be able to get you special rates.

    Commercial properties incur greater administrative and legal fees, so getting the right advice makes sound financial sense.

    Again, market conditions vary from place to place and your advisor will be able to give you expert advice on this - you might even be buying outside the area in which you live, making such advice even more invaluable.

    Other properties and assets might be used as security in some cases - your advisor will be able to explain this in more detail - including the advantages and disadvantages of going down this route.

    Our advisors can also help you with the following mortgages and services:

    • New build mortgages
    • Debt consolidation
    • Equity release
    • Bridging finance
    • Capital raising
    • Adverse credit


    Speak to our whole of market, independent Edinburgh mortgage experts today to ensure you are getting the best possible mortgage advice.

    You have nothing to lose by arranging a free consultation with one of our experienced mortgage advisers, and it could end up saving you tens of thousands of pounds over the lifetime of your mortgage repayments.

    Simply fill out the form at the top of this page, it only takes 10 seconds. One of our Edinburgh mortgage adviser experts will be in touch with you shortly after you submit the form. Alternatively, give us a call now on 0131 564 1940.

    Here are the answers to some of the most frequently asked questions we receive about our Edinburgh mortgage advisors:

    When should you talk to a mortgage advisor?

    It is usually a good idea to talk to an independent mortgage advisor before you decide what type of mortgage is best for you.

    They will help you make this decision based on your finances. Therefore, it's probably best to talk to one before you even begin your search for a property.

    You want to know what you can afford and so you can narrow down your search for a home or a new home, saving you time and potential heartache. You do not want to find a house that is "just perfect" for you only to discover later that you can't afford it. Or, while you're going through your finances, somebody might jump in with a better offer and snatch the property you've found from under your nose.

    For these reasons, it's better to know exactly what you can afford and what financial products are available to you so you can match this information with what's on the housing market. An independent mortgage advisor is a perfect choice for this job

    To help you get the most accurate information possible, your mortgage advisor will probably ask to see the following:

    - Your last three months' bank statements.
    - Your last three months' wage slips or last three years' accounts if you're self-employed
    - Details of any current mortgages, loans or credit cards
    - Proof of identification such as a driving licence
    - Proof of address such as a current utility bill
    - Details of any life insurance policy
    - Details of any county court judgements, defaults on payments etc.

    What does a mortgage advisor do?

    An independent mortgage advisor is basically a financial advisor who specialises in mortgages.

    Their role is to advise clients on the best mortgage to suit your financial circumstances. They can give you advice on the various options open to you and explain the pros and cons of each one. That is why you will be asked to take with you the items stated above.

    They have expert knowledge of the mortgage market and you can feel reassured that they will offer you the best advice.

    They will be selling Financial Conduct Authority (FCA) regulated products. And you can also feel reassured that should anything go wrong, you can go to the FCA with your concerns or complaints. Your independent mortgage advisor will fill you in on the full details of the protection you have. It also means your advisor has a duty of obligation and care to you and should offer you the best advice for, not only your current financial situation but also your projected future financial situation.

    Also, they will explain the safeguards and options should your financial situation unexpectedly change.

    What are the benefits of using a mortgage advisor?

    It's a good idea to get advice on such a large and important financial transaction.

    The mortgage market is a complex arena and your independent advisor can tailor your mortgage not only to your current financial circumstance, but also towards market projections and they can advise you what will happen with each product should the market change drastically.

    They will save you time and money. The paperwork involved in a mortgage transaction is vast and time-consuming; your advisor will help deal with all of that while you concentrate on preparing for your move. Moving house is a stressful time and you want to remove as many worries as possible from the equation. That is where the mortgage advisor can help. They can deal with the paperwork for you.

    You are also getting a personal service with a mortgage advisor. Everybody's circumstances are different and it can be complicated looking at the hundreds of mortgage deals out there and trying to marry them up to these circumstances. That is the advisor's job, they take away the legwork and stress of doing this and leave you secure in the knowledge that the mortgage they have found is the one that best matches your unique situation.

    Is a mortgage broker the same as a mortgage advisor?

    More often than not, the terms are interchangeable. Mortgage advisors and brokers are often the same.

    However, to others who use the terms, there can be slight differences in the approach.

    You can research the advisor/broker you choose beforehand to see if the following difference applies in your instance.

    Advisors can get paid for giving you mortgage advice, brokers are salespeople who wish to sell you financial products.

    Brokers will only get paid when they sell a product. Of course, many mortgage brokers have access to a wide range of products, but they may have access to some exclusive deals too.

    However, as a tied broker or advisor, they will want to sell you a mortgage product that they are tied to. Although, as an independent broker, they may have access to many different products, the advice you receive from an advisor will have your best interests at heart.

    Should I use a mortgage broker or go directly to the bank?

    A broker can, in some instances, be more expensive than a bank in the short term when it comes to these fees.

    But, in the long term, if they find you a better deal than the bank can, they can save you many thousands over the term of your mortgage.

    Some brokers have exclusive deals with lenders and you will only have access to these deals if you use that broker.

    But, the advice you get from a bank will only cover their financial products, they will not take a whole market view when presenting you with the options, which means you'll likely be missing out.

    Borrowers who have trouble in obtaining a mortgage or are trying to finance a more difficult deal are more likely to be turned away by the big banks which may not specialise in mortgages.

    Brokers deal solely with mortgages and will have access to a greater range of financial products than the bank.

    You can ask a broker how many lenders they work with. Being so blunt will give you an idea of the number of options that will be open to you if you work with that particular option. The more lenders they work with the better.

    Why Use Us?

    Completely free and unbiased

    You will not be charged for us matching you with a mortgage adviser.

    Advisers local to Edinburgh

    We only work with advisers who are local to Edinburgh and surrounding areas.

    Fully FCA regulated

    All our mortgage advisers are regulated by the Financial Conduct Authority.

    Experienced and qualified

    We ensure our mortgage advisers are properly qualified to provide the best advice to you.

    Quick and hassle free

    You can be matched with your mortgage adviser in less than a minute!

    Our Edinburgh Mortgage Brokers...


    Our mortgage brokers are experienced and well versed in all aspects of financial planning.


    Every single one of our mortgage brokers are FCA approved.


    We have many, many happy customers who happily refer us to their friends and family.


    You can easily contact us and your adviser once matched so you are never in the dark.

    mortgage advisors Edinburgh satisfaction guarantee

    100% Satisfaction Guarantee

     At Edinburgh IFA, all our mortgage advisers are experts with many years of experience under their belt. However, if for whatever reason you are unsatisfied with the adviser we have matched you with, then we promise we will find another adviser to assist you.

    Also remember that there is absolutely no obligation that you have to use the services of any adviser we match you with after you have had your free initial consultation.

    What Our Current Clients Say

    "I always knew I needed to seek financial advice and I always knew I needed to use an independent financial adviser so the advice I was receiving was completely impartial and unbiased.

    I found Edinburgh IFA when searching Google and from start to finish the experience has exceeded my expectations.

    The adviser they matched me with had 8 years of experience in the industry and a vast knowledge when it came to pensions and investments, he also got me so many additional benefits that I would never have known about without his advice. I couldn't be happier with the service provided."

    Keith - Leith, Edinburgh

    "Edinburgh IFA made it really easy to find me the most suitable Edinburgh financial adviser for my specific needs.

    Was quick and easy, and after completing the quick form on their website, I got a call back from the adviser almost straight away.

    Would recommend them to anyone looking for an independent financial adviser in Edinburgh."

    Mark - New Town, Edinburgh

    "The financial advisor Edinburgh IFA provided me with did a great job in taking me through my pension options step by step and clearly explaining everything every step of the way.

    I would not hesitate to recommend Edinburgh IFA to friends and family if they needed independent financial advice."

    Anne - Loanhead, Edinburgh

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