Home Reports
In Scotland the seller provides a Home Report up front, covering a survey, a valuation and a property questionnaire. We read that valuation closely, because it is what your lender will lend against.
How we work with Edinburgh buyers
No Edinburgh high street. Just proper advice, wherever you are in the city.
Fancy a chat?
No obligation. We’ll be in touch within one working day.
Thanks, request received.
We’ll be in touch within one working day.
We'll be straight with you: we don't have an office on George Street. What we do have is an experienced advice team that helps people buy and remortgage across Edinburgh every week, by phone, video and email, and around your working day.
The mortgage market is national, so the lenders and rates available to you are exactly the ones a high-street broker would use. What changes your result is the quality of the advice and a genuine grasp of the Scottish process, and both of those work perfectly well over a video call.
Lenders compared
90+
Whole of market
Google rating
5.0
From UK-wide clients
Initial consultation
Free
No obligation, no pressure
Appointments
Evenings
Appointments to suit you
Rated 5.0 on Google
Edinburgh buyers, advised remotely
Where our Edinburgh clients buy
Across the city and the Lothians
Select an area to see the kind of buyers we help there. Every appointment is by phone or video, so where you are in the city is never a barrier.
City centre
New Town & city centre
Georgian flats and prime city-centre homes, where values run higher and lending criteria are tighter, and getting your finances straight before a closing date counts.
The advisers you'll work with
A dedicated team for your Edinburgh move
You won't be passed around a call centre. You'll be matched to one of our experienced advisers and stay with them from first call to completion.
Thorpe Bay is Glenn’s base for mortgage and protection advice. More than 10 clients have reviewed him on our site.
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Helen is based in Billericay, advising first-time buyers, movers and people remortgaging. Nearly 20 client reviews on our site.
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Leanne advises on mortgages and protection in Upminster, with more than 10 client reviews on our site.
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Stephen is our Hornchurch broker, working with local buyers, movers and homeowners.
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Tracy has over 20 years in financial services, including 13 at Barclays, and advises on mortgages and protection across Chelmsford, mid-Essex and the wider UK.
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Greg covers Kent from Rainham. Home movers, landlords and remortgages make up much of his work.
WhatsAppYour adviser is matched to your situation when you book. Every adviser here is a qualified mortgage and protection consultant who advises across the whole of the market.
Simple from the first call
How advice works when we're not down the road
Three steps, no jargon, and the same adviser throughout.
1
A free intro call or video
Tell us where you are and where you want to get to. We'll talk through your options and what you can realistically borrow, with no obligation and evening slots available.
2
We search the whole market
We compare 90+ lenders, recommend the right one for you in plain English, and arrange your agreement in principle so you're ready to offer.
3
We manage it to completion
We handle the paperwork and the chasing, and work alongside your Scottish solicitor through missives and settlement, keeping you updated at every stage.
Local knowledge that matters
Buying a home in Scotland works differently, and we know it well
The Scottish system catches a lot of buyers out, especially anyone moving up from England. See what’s different, and where we help.
Offers over & closing dates
Popular homes go to a closing date, with buyers offering over a guide price. Having your finances and agreement in principle ready means you can bid with confidence and avoid over-stretching.
LBTT, not Stamp Duty
Scotland charges Land and Buildings Transaction Tax, with an Additional Dwelling Supplement on second homes and buy-to-lets. We estimate it as part of your total costs before you commit.
Missives & your solicitor
Scottish solicitors handle the offer and missives rather than the buyer's agent. We work alongside yours so the mortgage and the legal side move together to settlement.
Why use a broker
One bank shows you its shelf. A broker shows you the market.
Going direct to your own bank isn't wrong, but it only ever shows you one lender's view. See what changes when our team is working on your side.
With City Mortgage Solutions
Whole of market- Deals compared across 90+ lenders, including broker-only rates
- Advice on which lender suits your income, deposit and credit profile
- Agreement in principle before you offer, vital for a closing date
- Application managed end-to-end, alongside your Scottish solicitor
- Protection reviewed alongside the mortgage, not as an afterthought
Going direct to one bank
- Only that bank's own products, however the market compares
- You self-select the lender before knowing if their criteria fit you
- Appointment lead times set by branch and call-centre availability
- Progress-chasing across bank, valuer and solicitor sits with you
- A declined application can leave a mark before you try elsewhere
Your home may be repossessed if you do not keep up repayments on your mortgage.
Access to over 90 lenders, including
Authorised and regulated by the Financial Conduct Authority
HalifaxNationwideNatWestSantanderBank of ScotlandBarclaysSkiptonAccordCoventryVirgin MoneyAldermoreLeeds BSTSBPreciseClydesdaleKensingtonHalifaxNationwideNatWestSantanderBank of ScotlandBarclaysSkiptonAccordCoventryVirgin MoneyAldermoreLeeds BSTSBPreciseClydesdaleKensington
Common questions
Edinburgh mortgage questions, answered straight
We're a UK-wide brokerage rather than a high-street Edinburgh office. We work with Edinburgh and Lothians buyers regularly by phone and video, and our advisers understand the Scottish home-buying process, Home Reports, offers over and LBTT, so the advice is local in knowledge even when the appointment is remote.
Yes, and for most people it's now the easiest way to get advice. Documents are shared securely online, appointments fit around work and family including evenings, and you deal with the same adviser throughout. The mortgage market is national, so the lenders and rates available to you are the same wherever your adviser sits.
Scotland uses Home Reports (the seller provides a survey and valuation up front), an offers-over system with set closing dates, and missives handled by your solicitor. Tax is Land and Buildings Transaction Tax (LBTT) rather than Stamp Duty. We factor all of this into your advice and work alongside your Scottish solicitor.
Land and Buildings Transaction Tax is Scotland's equivalent of Stamp Duty, charged in bands on the purchase price, with an Additional Dwelling Supplement on second homes and buy-to-lets. We'll estimate your LBTT as part of your overall costs before you offer.
Your initial consultation is free and without obligation. Any fee that applies to your case is explained clearly and in writing before you commit to anything.
We'll get you booked in at a time that suits you, by phone or video and including evenings, and arrange your agreement in principle so you're ready to offer.
Free, no-obligation consultation
Let’s find a time that works for you.
Tell us when suits and one of our advisers will be in touch. Prefer to talk now? Message us on WhatsApp. Evening and video appointments are available.
Thanks, your request is in.
An adviser will call you back within one working day.