Mortgage Advice

Helping you save time and money

Affordable and sustainable solutions from experienced advisers

In today’s competitive marketplace lenders are constantly reviewing and changing the range of mortgages on offer. And with a wide range of interest rate options, the benefits to you are dependent upon your personal circumstances, as well as the economic climate at the time the loan is taken out. Looking for a mortgage is not as simple as finding the lender with the cheapest interest rate, or premium. 

That’s why we review all the key factors that affect the cost to you, as well as carrying out a thorough fact-find to help clarify your financial situation, before providing a recommendation. 

Where we can help

Save you money – by carrying out a comprehensive review of all key factors that affect the real cost to you.

Save you time and money – by only approaching those lenders offering solutions most appropriate to your needs.

Structuring the term of your borrowing taking into account age, objectives and retirement plans.
Understanding the risks associated with repayment or interest-only mortgages.
Reviewing your existing provisions and recommending new solutions, if necessary.
Place your insurance in the right name, ownership and trust, so that your beneficiaries don’t pay too much tax when they inherit your estate.
Review your mortgage – if you’re not locked into your mortgage you should review your deal regularly as new products come onto the market all the time.

Our Mortgage Advice

Our mortgage advisers are friendly, experienced and act quickly to find the right mortgage to suit your needs. 

Other Key Considerations

Taking out a mortgage, or associated protection cover, is not as straightforward as simply going for the cheapest rate or premium. Other key areas to take into consideration are:

  • Are there any arrangement, booking or valuation fees to pay?
  • Interest rate rises – have you taken into account how an interest rate rise might affect your mortgage? 
  • Early repayment charges – should you want to partially or fully repay your mortgage
  • Portability – can you transfer your mortgage onto a new property should you want to move?
  • Fixed rate – would you benefit by fixing the interest rate with the lender for a set period?
  • Annual percentage rate (APRC) – this reflects the mortgage rate, plus other charges, giving you the real cost of borrowing the loan.
  • How flexible is your deal? Can you overpay, take a break from paying, or switch repayment types, or do these incur charges?
  • How often the lender calculates and adds on interest to your loan may also affect the cost.

helpful and professional…excellent service

“I just wanted to offer a compliment for Gareth Blair who managed my mortgage for me. He was very helpful and professional and I received an excellent service. I would use Gareth again and would have no hesitation in recommending him to others. Please pass on my heartfelt thanks for the care and attention received…”

J. R. Shropshire

Specialist mortgage advice

We can help with complex prime and self-build. If you require overseas lending, a commercial loan, secured loan, bridging finance or asset finance, we can refer you to our specialist lenders.

Guide to Mortgages & Protection

This covers key factors to consider when investing, understanding risk, diversification, asset allocation and fund types.

Read or download ‘Guide to Mortgages & Protection’

Read our ‘Essentially Mortgages Magazine’ Q4 – 2023

Up to date articles and commentary on everything related to mortgages in the UK housing market.

Read our Residential Property Market Review – December 2023

Our monthly property market review is intended to provide background to recent developments in property markets as well as to give an indication of how some key issues could impact in the future.


The Financial Conduct Authority does not regulate overseas mortgages, bridging finance, commercial mortgages, estate planning, trusts, inheritance tax planning and taxation advice.

The Financial Conduct Authority do not regulate commercial loans or buy to let mortgages.

Contact Form

Book a free initial consultation*, ask a question or request a call back. Call us on 0141 352 7800 or fill in the form below.

* Any work you ask us to carry out as a result of this meeting will be fee based.

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