Business Details
26 Years
experience
Your Trusted Mortgage Broker in Edinburgh
Fresh Start Finance has been delivering free impartial mortgage advice across the UK for over 25 years. Established initially in Scotland, we have expanded our services nationwide, securing billions of pounds in mortgages for clients. Our success stems from an unwavering commitment to personal, quality-focused customer care and a proven track record in mortgage approvals. With over 70% of new clients coming from referrals, our reputation for excellence is built on transparency, expertise, and client-centric service. We operate under the Financial Conduct Authority's regulation, ensuring compliance with the highest industry standards.Our innovative approach combines advanced mortgage search tools with access to over 10,000 products, guaranteeing tailored solutions for every client. The Best in Market Mortgage Promise underlines our confidence, offering 500 compensation if a better deal is found elsewhere. Through physical branches and nationwide telephone support, we provide flexible service options while maintaining fee-free advice funded entirely by mortgage lenders. This unique model saves clients hundreds of pounds in broker fees annually, reinforcing our position as an award-winning market leader.
Services
First Time Buyer Mortgages
Remortgage Services
Buy to Let Mortgages
LIFT Mortgage Scheme
New Build Mortgages
Right to Buy Mortgages
Shared Equity Mortgages
Mortgage Calculators
Phone Advice Service
Branch Consultations
Details
- Year established: 2000
Highlights and features
- We've provided free mortgage advice for over 25 years with 98% approval rates
- Our service is 100% free, funded entirely by mortgage lenders
- We compare over 10,000 mortgage products daily using advanced search tools
- We work independently across 100+ UK locations with impartial advice
- Our Best in Market Mortgage Guarantee offers 500 if a better deal exists
Associations and certifications
- Financial Conduct Authority
What people say
Award-winning service
Free impartial advice
Best deals guaranteed
Excellent success rate
Nationwide coverage
Services
First Time Buyer Mortgages
Specialist mortgage solutions for first-time buyers navigating property purchase. We offer tailored advice on government schemes like LIFT and Shared Equity, with access to exclusive deals. Our brokers guide clients through every step, from affordability assessments to final approval, ensuring optimal terms for new homeowners.
Remortgage Services
Expert remortgaging assistance to secure better rates or release equity. We analyse existing mortgage terms and market options to identify savings opportunities. Clients benefit from our fee-free service and 500 guarantee if better deals exist elsewhere, with seamless transition support.
Buy to Let Mortgages
Specialised financing solutions for property investors seeking rental income. Our brokers access competitive buy-to-let rates and provide portfolio management advice. Services include tax-efficient structuring, yield analysis, and landlord-specific product comparisons across major UK markets.
LIFT Mortgage Scheme
Dedicated support for Scottish first-time buyers through the Low-cost Initiative for First Time Buyers. We facilitate applications for interest-free equity loans up to 25,000, with expert guidance on eligibility criteria and application processes in partnership with Scottish government housing partners.
Mortgage Calculators
Interactive digital tools to estimate borrowing capacity and repayment terms. Features include stamp duty calculators, repayment estimators, and affordability checkers. These resources provide instant insights to help clients make informed property decisions before formal consultations.
Questions
Is your mortgage advice service genuinely free?
Yes, we receive commission from lenders only, with no client fees ever charged for our advice or paperwork services.
What happens if you don't find the best deal?
Our Best in Market Mortgage Guarantee pays you £500 if a better deal exists elsewhere on like-for-like terms.
How do you find competitive mortgage deals?
We access 10,000+ products daily using advanced search tools unavailable to standard comparison sites or banks.
Can I speak to an advisor locally?
We have branches in 30+ UK locations with telephone support available nationwide for remote consultations.
Do you charge for mortgage application paperwork?
No, we complete all application paperwork free of charge as part of our comprehensive service package.
Are your mortgage advisors regulated?
Yes, we operate as Appointed Representatives of Mortgage Advice Bureau Limited, regulated by the Financial Conduct Authority.
