Business Details
Expert Mortgage Advice Edinburgh
Established in Edinburgh, First Class Mortgage Advice provides independent mortgage and insurance solutions tailored to individual client needs. With access to over 9,000 mortgage deals across the UK market, including exclusive products unavailable on the high street, we specialise in first-time buyer mortgages, remortgaging, buy-to-let financing, and 95% loan-to-value mortgages. Our team of qualified advisors prioritises long-term client relationships, considering lifestyle factors beyond basic income and expenses to recommend suitable financial products. We operate under the regulatory oversight of the Financial Conduct Authority and maintain professional partnerships with legal institutions like The Law Society of Scotland. Our services include debt consolidation strategies, equity release options, and mortgage insurance solutions designed to protect homeowners and their families.By maintaining independence from specific lenders, we guarantee impartial advice while negotiating competitive rates on behalf of our clients. Our Edinburgh-based office serves clients across Lothian and surrounding regions, combining local market knowledge with national lending expertise. We demonstrate expertise through our ability to secure mortgages for clients with complex financial histories, including those with adverse credit records. Our authoritativeness stems from 18 years of continuous operation (since 2005) and established relationships with major UK banks including Bank of Scotland, Lloyds, and Nationwide. Trust is maintained through transparent fee structures - all advisory services are provided at no direct cost to clients - and adherence to strict regulatory compliance standards.
Services
Mortgage Advice
Remortgaging
Buy to Let
95% Mortgages
Mortgage Insurance
Debt Consolidation
Equity Release
Highlights and features
- Access to 9,000+ UK mortgage deals including exclusive products
- Personalised service with same advisor throughout the process
- Specialists in complex cases including adverse credit mortgages
- No fees for advisory services - compensated by lenders
- Established partnerships with major UK banks and building societies
Associations and certifications
- Financial Conduct Authority
- The Law Society of Scotland
- The Law Society of England
Services
Mortgage Advice
Our independent mortgage advisors provide comprehensive guidance on selecting appropriate mortgage products. We assess clients' financial situations, lifestyle requirements, and long-term goals to recommend suitable solutions from over 9,000 available deals. Our Edinburgh-based team works with major UK lenders to secure competitive rates while maintaining complete transparency about terms and conditions.
Remortgaging
We specialise in helping homeowners secure better mortgage terms through remortgaging. Our services include identifying lower interest rates, negotiating exit fees from existing lenders, and facilitating equity release for home improvements or debt consolidation. We consider both short-term savings and long-term financial implications when recommending remortgage options.
Buy to Let
Our buy-to-let specialists assist property investors with mortgage applications for rental properties. We provide guidance on minimum deposit requirements, interest rate options, and portfolio management strategies. We work with specialist lenders to secure competitive rates for both first-time landlords and experienced property investors across Edinburgh and central Scotland.
95% Mortgages
We help first-time buyers access 95% loan-to-value mortgages requiring only a 5% deposit. Our advisors work with lenders offering these government-backed schemes, providing guidance on eligibility criteria and helping clients with adverse credit histories improve their mortgage prospects while explaining associated risks.
Mortgage Insurance
We offer comprehensive mortgage protection solutions including life insurance, critical illness cover, and income protection. Our advisors help clients select appropriate insurance products to safeguard against mortgage payment difficulties due to illness, unemployment, or death, ensuring financial security for homeowners and their families.
Questions
What mortgage options are available for first-time buyers?
We offer 95% LTV mortgages, fixed-rate deals, and government-backed schemes. Our advisors help first-time buyers navigate deposit requirements, eligibility criteria, and long-term affordability considerations.
Can I remortgage with bad credit?
Yes, we work with specialist lenders offering mortgages for adverse credit histories. Our advisors assess your specific circumstances and recommend suitable remortgage options while explaining potential implications.
What are the benefits of using a mortgage broker?
We provide access to exclusive deals, expert market knowledge, and personalised advice. Our services include comparing thousands of mortgages, negotiating terms with lenders, and guiding clients through the entire application process at no direct cost.
How does buy-to-let mortgage work?
Buy-to-let mortgages require higher deposits (typically 25%) and consider potential rental income. We explain different product options, help assess investment viability, and connect clients with suitable lenders across Edinburgh and central Scotland.
What insurance products should I consider with a mortgage?
We recommend life insurance, critical illness cover, and income protection to safeguard mortgage payments. Our advisors explain different policies and help select appropriate coverage based on individual circumstances and financial commitments.
