Business Details
28 Years
experience
Award-Winning Mortgage Brokers in Glasgow
Independent Mortgage Store is a Glasgow-based, multi-award-winning mortgage brokerage with 26 years of experience in providing impartial, whole-of-market mortgage and insurance advice. Established in 1998, we serve clients across Scotland and the UK, offering bespoke solutions tailored to individual needs. Our team, with over 90 years of combined experience in property and mortgage markets, specialises in navigating complex scenarios to secure optimal deals.Privately owned and independent, we prioritise client interests by accessing thousands of mortgage products, including exclusive broker-only options. Our commitment to transparency, ethical practices, and long-term client relationships has earned us recognition as a trusted industry leader. We pride ourselves on simplifying the mortgage process, ensuring affordability and efficiency while maintaining rigorous compliance with regulatory standards.
Services
First Time Buyers
Remortgaging
Buy-to-let
Offset Mortgages
Professional Mortgages
Student Mortgages
Retirement Mortgages
Help Your Children
Life Assurance
General Insurance
Details
- Year established: 1998
Highlights and features
- We have 26 years of experience in the mortgage industry
- Our team possesses over 90 years combined experience in property markets
- We offer whole-of-market access including exclusive broker-only deals
- Award-winning service with multiple industry recognitions
- Bespoke solutions for complex financial situations and niche requirements
Associations and certifications
- Financial Conduct Authority
What people say
Excellent service
Highly recommend
Stress-free process
Expertise and professionalism
Tailored solutions
Services
First Time Buyer Mortgages
Specialised guidance for first-time property purchasers navigating their initial mortgage journey. We simplify complex processes while securing competitive rates tailored to individual financial circumstances. Our advisors provide comprehensive support with deposit requirements, government schemes, and affordability assessments. This service ensures clients receive optimal deals while maintaining clear communication throughout the application process.
Remortgaging Solutions
Expert assistance for homeowners seeking better mortgage terms or equity release. We analyse existing agreements to identify savings opportunities while considering early repayment charges. Our team secures competitive rates and facilitates seamless transitions between lenders. This service helps clients reduce monthly payments, consolidate debts, or fund home improvements with minimal disruption.
Buy-to-Let Mortgages
Specialist financing solutions for property investors seeking rental income portfolios. We access landlord-specific products with favourable terms for multiple properties. Our advisors evaluate portfolio strategies while addressing tax implications and regulatory requirements. This service supports clients in building wealth through property investments with appropriate risk management frameworks.
Offset Mortgages
Innovative mortgage products linking savings accounts to loan balances for interest reduction. We help clients optimise financial resources while maintaining liquidity. This service benefits those with fluctuating incomes or significant savings, allowing faster capital repayment without fixed overpayment penalties. Our expertise ensures proper structuring for maximum financial efficiency.
Retirement Mortgages
Tailored financing options for older borrowers seeking property solutions post-retirement. We address unique income considerations while securing appropriate loan terms. This service supports equity release, downsizing, or intergenerational financial planning with specialist products designed for mature clients' specific needs.
People
Gerry Hughes
Senior Mortgage and Protection Advisor
With over 35 years in financial services, Gerry specialises in mortgages and protection. He joined Independent Mortgage Store in 2017 after working with major UK building societies. His expertise covers mortgage underwriting processes and complex lending scenarios.
Laura Carson
Office Manager
Laura has managed mortgage applications for over 25 years alongside Paul McGowan. She ensures meticulous processing and client communication throughout the mortgage journey. Her experience spans various client profiles from first-time buyers to complex cases.
Questions
What mortgage options exist for first-time buyers?
We offer tailored first-time buyer mortgages with competitive rates, including government schemes and specialist products for unique circumstances.
Can you help with complex mortgage situations?
Yes, our team specialises in complex cases including non-standard income, overseas buyers, and challenging credit histories.
Do you offer buy-to-let mortgage solutions?
We provide comprehensive buy-to-let mortgage options with access to specialist landlord products and portfolio financing strategies.
What insurance products do you offer?
We provide life assurance, income protection, and general insurance solutions through whole-of-market comparisons to suit individual needs.
How do your mortgage fees work?
Our standard advice fee is £399, or £1,500 if you choose to receive lender commission instead of paying the full fee.
Are you regulated by financial authorities?
Yes, we are authorised and regulated by the Financial Conduct Authority (FCA register No. 301002).
