Business Details
Your Trusted Mortgage Advisor in Edinburgh
Established in Edinburgh, First Class Mortgage Advice has built a reputation for delivering tailored mortgage solutions to clients across Scotland and beyond. With access to over 9,000 mortgage deals from major UK lenders, we specialise in helping first-time buyers, home movers, and investors navigate complex financial landscapes. Our team of qualified advisors prioritises long-term client relationships, offering free, impartial guidance that considers individual lifestyles and financial goals. We maintain compliance with regulatory standards through partnerships with the Financial Conduct Authority and The Law Society of Scotland, ensuring transparent, ethical practices.From fixed-rate mortgages to niche products for clients with adverse credit histories, our expertise spans remortgaging, buy-to-let financing, and 95% loan-to-value arrangements. By combining market access with personalised service, we aim to secure optimal financial outcomes while maintaining affordability and risk mitigation for our clients.
Services
First Time Buyer Mortgages
Remortgaging Services
Buy to Let Mortgages
95% Mortgages
Mortgage Insurance
Highlights and features
- We offer free, impartial mortgage advice with no upfront fees
- Access to 9,000+ mortgage deals including exclusive products
- Personalised service from FCA-authorised mortgage professionals
- Specialist expertise in adverse credit mortgage solutions
- Partnerships with major UK banks including Bank of Scotland
Associations and certifications
- Financial Conduct Authority
What people say
Free expert guidance
Competitive mortgage deals
Personalised service
Excellent support
Regulatory compliance
Services
First Time Buyer Mortgages
Specialist mortgage solutions for first-time buyers in Edinburgh and surrounding areas. We provide access to exclusive 95% LTV deals and fixed-rate options while considering lifestyle factors beyond basic income calculations. Our advisors help clients navigate Help to Buy schemes and Mi New Home initiatives, working with major banks to secure competitive rates. With no upfront fees, we focus on long-term affordability and future financial planning for new homeowners.
Remortgaging Services
Comprehensive remortgaging solutions to reduce payments or release equity in Edinburgh properties. We compare 9,000+ deals including no-cost options with free surveys and legal fees. Our team helps clients evaluate early repayment charges against potential savings, specialising in complex cases involving shared ownership or Help to Buy equity loans. We ensure compliance with Scottish legal requirements while securing optimal terms for both residential and buy-to-let portfolios.
Buy to Let Mortgages
Tailored financing solutions for property investors in Edinburgh's rental market. We assist both novice and experienced landlords with 25%+ deposit requirements and higher interest rate considerations. Our services include portfolio analysis, cash flow projections, and risk assessment for buy-to-let investments. We maintain relationships with specialist lenders to secure competitive rates while ensuring clients understand the unregulated nature of this mortgage type and associated tax implications.
95% Mortgages
Specialist high LTV mortgage arrangements requiring only 5% deposits for eligible applicants. We work with lenders offering guarantor options and government-backed schemes to assist first-time buyers in Edinburgh. Our advisors provide detailed affordability assessments and credit history evaluations, particularly for clients with adverse credit histories. We ensure clients understand the higher risk profile of these mortgages while exploring available insurance protections.
Mortgage Insurance
Comprehensive insurance solutions to protect mortgage commitments against unforeseen circumstances. We offer critical illness cover, life insurance, and income protection policies tailored to Edinburgh homeowners. Our advisors help clients evaluate appropriate coverage levels for buildings, contents, and financial contingencies like redundancy. We work with major insurers to provide packages that safeguard both borrowers and their families against property damage, health issues, or employment changes.
Questions
What mortgage options exist for first-time buyers in Edinburgh?
We offer 95% LTV mortgages, fixed-rate deals, and Help to Buy schemes with no upfront fees. Our advisors help Edinburgh first-time buyers navigate affordability assessments and government schemes.
Can I remortgage with bad credit history?
Yes, we specialise in adverse credit remortgaging. While options may be limited, our Edinburgh-based team works with specialist lenders to secure competitive rates based on individual circumstances.
What are the benefits of using a mortgage broker?
We provide free access to 9,000+ mortgage deals including exclusive products, expert guidance through application processes, and ongoing support tailored to Edinburgh's property market conditions.
How does buy-to-let mortgage financing work?
We help Edinburgh investors secure buy-to-let mortgages starting at 20% deposits for experienced landlords. Our services include portfolio analysis, cash flow projections, and compliance guidance for rental property investments.
What insurance protections should homeowners consider?
We recommend critical illness cover, life insurance, and income protection policies alongside buildings and contents insurance to protect Edinburgh homeowners against financial emergencies.
How can I check mortgage eligibility before applying?
We offer free initial consultations and online Agreement in Principle assessments to help Edinburgh residents understand their mortgage eligibility without affecting credit scores.
