Business Details
Expert Mortgage Brokers in Ardrossan, Ayrshire
Pelican Finance is a family-run mortgage advisory service based in Ardrossan, Ayrshire, serving clients across Scotland and the UK. With over 30 years of combined industry experience, we specialise in providing whole-of-market mortgage solutions tailored to individual circumstances. Our FCA-regulated team prioritises clear communication, offering direct personal service without call centres or handovers. We support clients through every stage of the mortgage process, from first-time buyer schemes to complex buy-to-let portfolios, while maintaining strict compliance with financial regulations.Our extended availability from 9am to 9pm seven days a week ensures clients receive timely guidance. We differentiate ourselves through access to exclusive broker-only products, comprehensive administrative support, and a commitment to long-term client relationships beyond initial transactions.
Services
Mortgage Advice
First-Time Buyer Mortgages
Buy-to-Let Financing
Remortgaging Solutions
Specialist Mortgages
Highlights and features
- We provide whole-of-market mortgage advice across 30+ years of industry experience
- Our FCA-regulated service ensures compliance with strict financial standards
- Direct personal service with 9am-9pm availability seven days a week
- Access to exclusive broker-only mortgage products unavailable through high-street lenders
- Comprehensive support from application through to post-completion mortgage management
Associations and certifications
- Financial Conduct Authority
What people say
Quick and honest service
Excellent advice
Helpful and informative
Solid recommendations
Services
Mortgage Advice
Our FCA-regulated mortgage advisory service provides impartial guidance across the complete market. We assess individual financial circumstances to recommend suitable residential and investment property financing options. With access to exclusive broker-only deals, we specialise in complex cases including self-employed applicants and adverse credit histories.
First-Time Buyer Mortgages
Tailored support for first-time property purchasers navigating the home buying process. We explain available schemes like Help-to-Buy and Shared Ownership while securing competitive rates. Our service includes step-by-step guidance through mortgage applications and associated legal requirements for new property owners.
Buy-to-Let Financing
Specialist advice for property investors seeking buy-to-let mortgages. We provide guidance on limited company structures, portfolio management, and tax-efficient strategies. Our service includes rental income assessment, lender selection, and assistance with corporate property transactions for landlords.
Remortgaging Solutions
Expert remortgaging advice to help clients secure better rates or release equity. We analyse existing mortgage terms, assess eligibility for new deals, and manage the transition process. Our service includes penalty calculations and recommendations for improved financial positioning.
Specialist Mortgages
Support for non-standard mortgage applications including contractor income verification, adverse credit situations, and self-certified earnings. We work with niche lenders to find solutions for clients who may struggle with traditional high-street offerings, ensuring appropriate affordability assessments.
People
John
Mortgage Advisor
With over 30 years' experience in mortgage advisory services, John provides FCA-regulated mortgage solutions tailored to individual client needs across Ayrshire and the UK.
Questions
What mortgage types do you specialise in?
We specialise in first-time buyer mortgages, buy-to-let financing, remortgaging solutions, and complex case mortgages for self-employed individuals or those with adverse credit.
Are you regulated by financial authorities?
Yes, we are authorised and regulated by the Financial Conduct Authority (FCA) under reference 731937, ensuring compliance with strict financial services regulations.
Do you offer evening and weekend appointments?
Yes, we offer extended availability from 9am to 9pm seven days a week to accommodate client schedules outside standard business hours.
Can you help with limited company buy-to-let mortgages?
Yes, we specialise in limited company buy-to-let mortgages, providing guidance on property portfolio structuring and tax-efficient investment strategies.
What areas do you cover?
While based in Ardrossan, Ayrshire, we support clients across Scotland and the UK, including Glasgow, Edinburgh, and southern regions like Kent and Essex.
How do you charge for mortgage advice?
Most advice is funded through lender procuration fees, though any client charges are clearly disclosed upfront with no hidden costs involved.
