Business Details
28 Years
experience
Award-Winning Mortgage Brokers in Glasgow
Established in 1998, Independent Mortgage Store has built a reputation as Glasgow's leading award-winning mortgage brokerage. With over 26 years of experience and a team boasting 90+ combined years in the industry, we specialise in impartial, whole-of-market mortgage advice for clients across Scotland and the UK. Our privately owned, independent status ensures we prioritise client needs over product sales, offering access to thousands of mortgage products - including exclusive broker-only deals. Recognised with multiple industry awards, including Best Regional Broker Glasgow (2024-25) and Independent Mortgage Broker of the Year (Scotland 2021/22), we combine technical expertise with personalised service.Our team of CeMap-certified advisors, including senior professionals like Gerry Hughes and Paul McGowan, provides tailored solutions for complex cases, first-time buyers, and property investors. Backed by 272 five-star Google reviews, we maintain longstanding client relationships through transparent communication and a commitment to finding the most appropriate mortgage solutions.
Services
First Time Buyers
Remortgaging
Buy-to-let
Professional Mortgages
Student Mortgages
Retirement Mortgages
Offset Mortgages
Life Assurance
General Insurance
Credit Check Services
Details
- Year established: 1998
Highlights and features
- 26 years of specialist mortgage advisory experience since 1998
- Whole-of-market access including exclusive broker-only mortgage deals
- Award-winning service with 5-star Google reviews and industry recognition
- Team with 90+ combined years in mortgage and property markets
- Personalised service with transparent fee structures and no hidden agendas
Associations and certifications
- Financial Conduct Authority
What people say
Excellent service
Highly recommend
Professional and friendly
Saved thousands
Stress-free process
Services
Mortgage Brokering
As award-winning mortgage brokers, we provide impartial access to the entire UK mortgage market. Our CeMap-certified advisors specialise in finding tailored solutions for first-time buyers, property investors, and complex cases. With access to exclusive broker-only deals and private bank products, we ensure clients receive the most appropriate mortgage solutions while handling the entire application process on their behalf.
Remortgaging
Our remortgaging service helps clients secure better rates and terms on existing mortgages. We analyse current deals, market opportunities, and individual circumstances to identify savings potential. With expertise in navigating changing interest rates and regulatory environments, we've helped clients save hundreds of pounds monthly through strategic remortgaging while ensuring smooth transitions without early repayment penalties.
Buy-to-let
Specialising in buy-to-let mortgages, we offer expert guidance for property investors at all levels. Our service includes portfolio strategy development, access to specialist landlord products, and tax-efficient structuring advice. With experience handling complex cases involving multiple properties and self-employed landlords, we help investors maximise returns while navigating the evolving buy-to-let regulatory landscape.
Life Assurance
Our independent protection advisors provide whole-of-market life assurance solutions tailored to individual needs. We offer comprehensive coverage options including term life, critical illness, income protection, and unemployment cover. By maintaining no product sales quotas, we ensure unbiased recommendations that prioritise client financial security over commission-driven products.
First Time Buyers
Tailored support for first-time homebuyers navigating their initial property purchase. We explain mortgage options clearly, assist with government schemes like Help to Buy, and provide step-by-step guidance through the buying process. Our service includes budgeting advice, deposit strategies, and stress-free application handling to make homeownership accessible and straightforward.
People
Gerry Hughes
Senior Mortgage and Protection Advisor
With over 35 years in financial services, Gerry specialises in mortgages and protection. Formerly with Northern Rock and Bradford & Bingley, he brings extensive underwriting expertise. A passionate musician and family man, Gerry joined IMS in 2017 and focuses on complex cases.
Laura Carson
Office Manager
Laura has managed mortgage applications for 25+ years alongside Paul McGowan. With property industry experience since 1992, she ensures meticulous application handling. Outside work, she enjoys family time in Spain and active involvement in local bowling clubs.
Questions
What mortgage options are available for first-time buyers?
We offer comprehensive first-time buyer mortgages including government schemes, 95% LTV options, and guarantor mortgages. Our advisors help navigate deposit requirements, budgeting, and long-term affordability.
How do you differ from high-street banks?
As whole-of-market brokers, we access thousands of products banks can't offer. Our independent status means no sales targets, focusing solely on finding your best mortgage deal.
Can you help with complex mortgage cases?
Yes, our team specialises in complex cases including self-employed mortgages, overseas income verification, and adverse credit history. We've successfully arranged mortgages others deemed impossible.
What fees apply to your mortgage services?
Our standard fee is £399, or £1,500 if you prefer to receive lender commission. We guarantee no hidden fees, with all costs explained upfront during your free initial consultation.
Do you offer protection insurance alongside mortgages?
Yes, we provide independent life assurance, critical illness cover, income protection, and unemployment insurance. Our protection advisors ensure appropriate coverage without commission-driven recommendations.
How do you stay updated with mortgage market changes?
We use Mortgage Brain - a system updated twice daily with 18,000+ product changes. This ensures we always offer current, competitive deals while tracking market trends affecting your mortgage.
