Mortgage Advisors Edinburgh

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Are you looking for a mortgage advisor in Edinburgh? We are here to help! Bespoke Home Finance has a team of mortgage advisors, who are ready to provide you with professional guidance. Whether it’s a commercial or residential property, we take the stress out of getting a mortgage.

Whatever you are looking to do, we will find the right solution and help you throughout the process. Contact Bespoke Home Finance today.

Our team will help you find what you are looking for. Call us on 0330 111 2477 or fill in a contact form below.

mortgage advisors edinburgh

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    First Time Buyer Mortgage Advisors

    At Bespoke Home Finance we can advise you on the purchasing of a property for the first time. Our mortgage advisors Edinburgh know how stressful it can be for a first-time buyer & all the information about getting a mortgage. We also understand how exciting this is, as this is something you have been working towards for a long time.

    Our mortgage advisors team at Bespoke Home Finance are here to help you by explaining everything that first-time buyers need to know. We offer a free, no-obligation consultation and advice that won’t affect your credit score. Our dedicated first-time buyer mortgage advisors are there every step of the way, to guide you to buy your first property. It is our aim to streamline the back office process as much as possible to get you an offer on your mortgage in the quickest possible time. 

    At Bespoke Home Finance we are constantly looking at the market to ensure that we get the best rates for you. As highly trained and experienced mortgage experts, we can provide you with professional, affordable and reliable mortgage advice. We are there to help you every step of the way.

    Buy-to-Let Mortgage Advisors Edinburgh

    When considering a buy-to-let mortgage there is a lot to take into account, especially if you plan on renting out the property to a third party. At Bespoke Home Finance, our mortgage advisors are here to help you with the process. We aim to find you the best deal possible and we understand that everyone’s circumstances are different, but this investment can make a huge difference to you and your family. That’s why we are here to help you with all the facts and information we have, not only that but you will receive the best information from our mortgage advisors Edinburgh, who have many years of experience within the industry. 

    mortgage advisors edinburgh
    mortgage advisors edinburgh

    Moving Home

    If you are in need of an upgrade or fancy a change of scenery we can help. Our mortgage advisors can make the process a little easier. What a great opportunity to review your mortgage arrangements, so we can find the best deal for you. At Bespoke Home Finance, we take great pride in our work. Knowing we have taken every consideration into detail when searching for the mortgage, we know that you will be more than happy with the outcome. Our mortgage advisors will always provide you with honest and transparent information, to assist you in finding the best deal.

    Looking for a First-Class Plan for your Mortgage?

    Commercial Mortgage Advisors

    If you are looking for a commercial mortgage, then our mortgage advisors are the team for you! We have the right experts at Bespoke Home Finance to ensure that you find the right commercial mortgages. Our mortgage advisers in Edinburgh can also assist you with bridging finance and development finance. We give you a tailored service throughout. We know that fees and interest rates on a commercial mortgage will depend on the level of security offered such as property portfolios or residential properties, so get in contact with us now to organise your commercial mortgage.

    mortgage advisors edinburgh
    mortgage advisors edinburgh

    Remortgage Advisors Edinburgh

    Remortgaging can be a real nightmare, but our team of mortgage advisors can solve that problem for you. We are here to help you with that if you are trying to raise a large sum of money, consolidate debts or to pay for an extension to your existing home rather than having to move. 

    We are here to help you navigate a remortgage as there are a few things to think about first. If you remortgage your home there may be penalties for leaving a mortgage before it comes to term and a higher lending charge. We are here to guide you through the process to ensure that you get the best deal possible. With our team and their years of experience in the industry, we can secure better rates than most. For every remortgaging opportunity, speak to our team today.

    Mortgage Advice From Bespoke Home Finance

    If you are looking for mortgage advisors who are trustworthy and provide professional advice to guide you every step of the way, then look no further than Bespoke Home Finance. If you are looking to move home or even buy your first, we are here to help. Call us today on …… or fill in a contact form below. We look forward to hearing from you and remember, there is no obligation or no high-pressure tactics on ours. We will provide you with quality service throughout, you can count on our mortgage advisor services for the best.

    Our advisors are just a phone call away for any queries or advice.

    Mortgage Advisors Edinburgh FAQs

    Our mortgage advisors act as the middleman between the lender (banks and building societies) and the borrower (you). We are completely independent meaning that we act in the interests of the borrower and not the lender, while offering the widest possible consumer protection.

    In the past you could speak to your bank manager about getting a mortgage, but this is less common nowadays. Additionally, unlike banks, our mortgage advisors provide advice from products across more than one lender, offering a much wider choice.

    As qualified mortgage specialists, it’s our responsibility to search the mortgage market to find you the best and most suitable product for your circumstances. Choosing to take on a mortgage is one of life’s big decisions and we are the authoritative experts on the subject; let our mortgage advisors in Edinburgh help you make the right choice.

    No. Comparison sites might be useful for conducting some initial self research, but they aren’t nearly as sophisticated as the specialist mortgage search tools designed and used by our advisors.

    As leading mortgage advisors, we have access to exclusive deals which are not generally available to the public directly. Unlike arranging your car insurance, matching a client with exactly the right mortgage requires huge expertise and in-depth knowledge of the financial markets and of each lender’s specific underwriting criteria. Because small differences in rate can result in huge differences in repayments, the cost of getting it all badly wrong can be quite substantial.

    Above all else is the personal service that our mortgage advisors offer here in Edinburgh. There is a lot of complex paperwork involved in the mortgage process that we will expertly complete for you. This is something that cannot be done via a comparison site.

    Yes. Before showing you the products available, our mortgage advisors will look at your circumstances in order to find a deal that works for you and your family. We’ll assess what you can demonstrably afford and give advice accordingly, with the logic that you will be able to comfortably afford repayments on recommended products for the duration of the mortgage.

    In order to give tailored, comprehensive advice on mortgage products directly suited to your individual circumstances, our Edinburgh mortgage advisors will look to understand your situation and needs. With this information, the challenge of choosing the right mortgage becomes that little bit easier.

    We’ll start the process with an extensive conversation with you to establish what you are borrowing for, what your budget is, and any individual circumstances that may affect your ability to borrow. Remember, the more information we have, the more we can personalise the deal to you!

    The short answer – as early as possible! Enlisting our help early on in the application process maximises our opportunities to help you, and allows you to reduce the risk of frustration, disappointment, and rejection while finding and applying for your mortgage.

    Because our mortgage advisors help you to understand what you can afford, the information we give will ultimately dictate the price range of properties you can look to buy. If you’ve already got your heart set on a new home before speaking to an advisor, there is every possibility that you may have overestimated what you can afford, rendering your choices unsuitable. This can be deeply demoralising and frustrating, not to mention a waste of your time.

    And it’s not just your price range that we advise on. We’ll also offer a more comprehensive understanding of the other costs involved in the application process: things like mortgage account fees, arrangement fees, booking fees, legal fees, local authority fees, and more.

    Speaking to an advisor early in the process is recommended. Contact us today or at your next earliest convenience to speak to one of our mortgage advisors.

    Once you have booked your appointment with one of our mortgage advisors, there are a few documents you’ll need to bring with you.

    1. Proof of ID (This could be either a driving licence or a passport)
    2. Proof of address (For example: utility bill, bank statement, most recent council tax bill. Dated within the last three months).
    3. Most recent credit card and loan statements for any outstanding credits or loans.
    4. Last annual mortgage statement (This may not be applicable to you).
    5. Proof of deposit funds.
    6. Any current income protection, life insurance or critical illness schemes.
    7. Last 3 months of payslips, most recent P60 and evidence of employee benefits (only for those who are employed).

    If you are a limited company director or are self-employed, you may be required to bring additional documents to your mortgage advisor Edinburgh appointment. If you are still confused or unsure of what you need, don’t hesitate to contact us with any questions.

    There is little differentiation between an independent mortgage advisor and a mortgage advisor Edinburgh , they are almost one in the same. Mortgage advisors are professionals with an abundance of knowledge surrounding the housing market, who can help guide you and recommend a vast range of mortgage products. 

    The only contrast between the two is that independent advisors are able to access special offers and products, including second charge mortgage loans. Whereas mortgage advisors can only acquire the general range of products available on the market. 

    Often people confuse the two, but it’s key to be aware of what your mortgage advisor can and can’t offer you. 

    There are multiple benefits to be mindful of if you’re questioning whether a mortgage advisor is right for you.

    With our years of expertise, we can help choose a mortgage that suits you. We do this by assessing what repayments you are capable of making, looking at your debts and income, and calculating what mortgage would benefit you more. 

    Without a mortgage advisor Edinburgh, you wouldn’t be able to find the best value deals on the market, which could affect your future income. By choosing us, we can help increase your prospects of securing a mortgage and provide you with an accurate sense of stability. 

    We will talk you through the entire process, answering any questions or queries you might have, and we are proud to provide expert advice for each and every client.

    Both independent and non-independent mortgage advisors will charge clients a small fee, which is usually a percentage of the final loan. On average this could be anywhere between 0.3% and 1% of the finalised mortgage, so be wary if an advisor is expecting you to pay a higher percentage.  

    With the average UK house costing approximately £250,000, and 95% mortgage loans slowly making a comeback, you could be asking for a maximum loan of £237,500. Meaning the topmost fee you’d pay a mortgage advisor for an average costing property in the UK would be £2,375.

    Mortgage advisors can also receive commissions from mortgage lenders, so keep in mind that this could sway an advisor in a certain direction and may impact your final deal. Be reassured that we excel at customer care and thrive on providing our clients with the best possible outcomes.

    Our aim as mortgage advisors Edinburgh is to assess whether or not you can afford the repayments needed in order to secure your mortgage. Therefore, the majority of our questions will be financially based. 

    We want to determine what your income is and what expenses you may have, so we will ask about any outstanding loans that could impact your chances of procuring a mortgage. 

    At your first meeting, you will be asked some personal questions, such as: what property you’d like to purchase and what your personal circumstances are. This can provide us with the initial information we need to guide you in the right direction. 

    We will also ask about the documentation you are required to provide, talking through your income and credit history so we can secure you a mortgage that suits your needs.

    The titles “loan officer” and “mortgage advisor” are used interchangeably, so it’s easy to misinterpret their job roles. Both professions are actually different, but do tend to cross over at certain points. 

    Loan officers work for a company, and can only offer mortgage options from that specific business. Unfortunately, this often means that loan officers can be limited with their choices for clients. 

    Mortgage advisors work for themselves, and therefore can scour the market for mortgage deals from a variety of different businesses. With mortgage advisors, it’s probable that you will get a superior deal, only because they are given more freedom.

    A mortgage advisor is someone who helps clients find the ideal mortgage for them and helps throughout the application process. These professionals specialise in mortgage advice, with extensive knowledge of the housing market. Their purpose is to assist those looking for the right mortgage, searching through a range of available mortgage products so you can see what is on offer.

    Mortgage advisors will work with you as the client. When you seek the assistance of a mortgage advisor, there are certain documents you will need to provide and certain questions you will need to answer. Once this step has been completed, mortgage advisors can advise you on the right mortgage choice for your financial situation.

    Mortgage advisors will need to know about your financial situation before advising you on your mortgage. Firstly, they’ll need an ID, either a passport or a valid driving license, before asking for proof of address. Mortgage advisors will also need to know about any savings you have, as well as looking at bank statements. This is all necessary information needed for mortgage advice.

    You should visit a mortgage advisor when you’re looking to apply for a mortgage. The sooner you visit, the better. The more time you spend with your mortgage advisor, the easier the process will be. Knowing how much you are allowed to borrow before house hunting can save you time and money. Mortgage advisors will be well versed on any fees you may encounter when applying for a mortgage, and can advise you accordingly.

    Mortgage advisors Edinburgh don’t just offer their services to those looking for a mortgage, they can also assist you with a current one. If your mortgage rates have changed and you are struggling to make the new payments, mortgage advisors can help you with remortgaging. Whether it’s to save money or to reduce debt, these professionals will work with you to search for the perfect mortgage. 

    Mortgage advisors will also work with both parties, the client and the loan provider, throughout the mortgage application process.

    Bespoke Home Finance recommends seeking the advice of a mortgage advisor. Mortgage advisors are experts in the UK housing market and will be able to offer you different deals for your mortgage, ones you wouldn’t have found on your own. They help you throughout the mortgage application process, increasing your chances of approval and saving you money in the long run.