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Mortgage Broker in Aberdeen

It's Free to Speak With a Mortgage Advisor in Aberdeen
8am - 10pm, 7 Days a Week

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Learn More About Our Mortgage Advice Service in Aberdeen

Whether you are navigating the mortgage landscape for the first time or a current homeowner seeking a home move, we are here to help! We are delighted to be able to provide our mortgage broker services in Aberdeen.

From the moment you reach out to us until the completion of your mortgage process, we will be right by your side providing our full support and guidance. Our dedicated mortgage advisors in Aberdeen would love to help you through your mortgage journey.

Everyone can benefit from a free mortgage appointment with a mortgage advisor in Aberdeen. Simply book online or call our team and we can organise a date and time with you.

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Why Use a Mortgage Broker in Aberdeen?

When approaching the start of your mortgage journey, utilising the services of a mortgage broker in Aberdeen can be highly advantageous. Mortgage brokers offer access to a diverse array of mortgage products, helping you access competitive rates and favourable terms tailored to your needs.

Unlike banks or building societies, we can search 1000s of products on your behalf to find the perfect deal for your circumstances. We are not limited to specific products and deals, we can search the market to locate the most advantageous deal for you.

It’s not just about your mortgage deal though; our team will help you prepare your mortgage application so that you stand the best possible chance of being accepted!


Book Your Free Mortgage Appointment in Aberdeen

During your free mortgage appointment, your mortgage advisor in Aberdeen will get some details from you regarding your personal and financial situation. This will help them understand your situation a little better and allow them to find the perfect mortgage product for you on your behalf.

We’re available 7 days a week and work from 8am-10pm, allowing you to get in touch at a time that best suits you. Early in the morning, during the afternoon or later in the evening, pick a time that fits around your schedule!

Ask a question, send a message, book an appointment or arrange a callback – it’s your choice how you want to communicate with us.

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Common Mortgage Scenarios in Aberdeen

First Time Buyer in Aberdeen

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Are you a first time buyer in Aberdeen eager to start your mortgage process? By speaking to a mortgage broker in Aberdeen, you can receive tailored advice and support to help you on your journey towards owning your first home.

Your dedicated mortgage advisor in Aberdeen will guide you through the steps involved in securing a mortgage, simplifying industry jargon and providing clear explanations along the way. You will know what is going on throughout the whole process.

During your first mortgage appointment with your mortgage advisor in Aberdeen, they will evaluate your financial situation and offer an estimate of the maximum amount you could potentially borrow.

Moreover, they can assist you in obtaining a mortgage agreement in principle promptly, often within 24 hours of your meeting. This essential document can greatly boost your property search by showing sellers that you are a committed buyer with financing arranged.

By working with one of our mortgage advisors in Aberdeen, you can navigate the mortgage process with ease and experience a stress-free move into your first home.

Moving Home in Aberdeen

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If you’re thinking of moving home in Aberdeen, have you considered seeking mortgage advice before starting your process? Getting mortgage advice in Aberdeen could be crucial when it comes to moving home and getting a new mortgage.

Understanding your mortgage options is crucial. With a variety of mortgage products available, navigating these choices can be complex. A mortgage advisor in Aberdeen can help identify the most suitable options based on your financial situation and long-term goals.

In some cases, it may be possible to port your current mortgage over to your new home. This could save you from facing potential early repayment charges and fees involved in taking out a new mortgage. This is something we can look at with you as your mortgage broker in Aberdeen.

If it is not possible to port your mortgage in Aberdeen, we will look at your other moving home mortgage mortgage options. This may just mean following the traditional mortgage route.

Remortgage in Aberdeen

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If you’re nearing the end of your fixed mortgage term, it’s time to consider your remortgage in Aberdeen. Our team of experts specialises in providing customised remortgage advice in Aberdeen.

If you do not remortgage and your fixed mortgage term ends, you will fall onto your lender’s standard variable rate of interest. It is more than likely that this interest rate is much higher than your current rate, meaning that your monthly payments may see an increase.

You can start your remortgage process up to 6 months prior to your deal expiring, so make sure to get in touch with our team nice and early!

We take a thorough look at your unique situation to help you make well-informed decisions for the road ahead. If you looking to remortgage for other reasons such as releasing equity, funding home improvements or consolidating debts, we can also help with that too!

Buy to Let in Aberdeen

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If you’re looking for buy to let mortgage advice in Aberdeen, our team of mortgage advisors are dedicated to supporting you at every stage of the process. We take pride in offering clear and dependable advice that is tailored to your individual requirements. Keeping up-to-date with the latest buy to let lending criteria is a top priority for us.

Whether you are a first time landlord or an experienced investor, our mortgage advisors in Aberdeen have the expertise to guide you through the complexities of buy to let mortgages. Our goal is to help you make informed decisions, maximising your investment potential while minimising risks.

Help to Buy in Aberdeen

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Looking to buy a property in Aberdeen and struggling to save for the deposit? One of the government’s mortgage schemes could help you buy a property.

There are many government schemes available, here are a few that you may benefit from:

Shared Ownership

Shared Ownership in Aberdeen allows you to buy a share of a property (between 25% and 75%) and pay rent on the remaining share. Over time, you can buy more shares in the property, a process known as “staircasing,” until you own the property outright. This scheme is ideal if you cannot afford the deposit and mortgage payments for 100% of a home.

Right to Buy

If you are a council or housing association tenant in Aberdeen, the Right to Buy scheme allows you to purchase your home at a discount. The size of the discount depends on how long you have been a tenant and the type of property you are buying. This scheme is an excellent opportunity for tenants to own their homes.

Lifetime ISA (LISA)

The Lifetime ISA is a savings account designed to help first-time buyers save for a deposit. You can save up to £4,000 a year, and the government will add a 25% bonus to your savings, up to a maximum of £1,000 per year. The LISA can be a valuable tool to boost your deposit savings more quickly.

95% Mortgage Guarantee Scheme

The 95% Mortgage Guarantee Scheme helps both first time buyers and existing homeowners secure a mortgage with just a 5% deposit. The government provides lenders with a guarantee to encourage them to offer high loan-to-value mortgages, making it easier for buyers to get the financing they need.

Self Employed in Aberdeen

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Navigating the mortgage process as a self employed applicant can be slightly more complicated than those in traditional employment. However, fear not, as your mortgage broker in Aberdeen we are here to help!

If you own a significant share (20-25% or more) in your business, you will likely be considered as a self employed applicant when applying for a mortgage. To be eligible for a mortgage as a self employed individual, it is generally required to have been self employed for at least two years.

Lenders will primarily review your income over this period to assess your eligibility and borrowing capacity. When tackling the challenges of obtaining a mortgage while self employed in Aberdeen, having the right guidance and support is crucial.

Our dedicated team not only understands the unique hurdles faced by self employed individuals but also has the expertise to navigate the specific criteria set by mortgage lenders. By speaking to our team of mortgage advisors in Aberdeen, you can access tailored insights based on your self employment status and receive personalised advice on improving your mortgage application.

Right to Buy in Aberdeen

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If you are renting your home in Aberdeen from a local authority, like the council or a housing association, as a home buyer, you may be eligible for the Right to Buy Scheme. This government scheme aims to assist first time buyers in acquiring the property they currently live in.

Eligibility for this scheme is determined by factors such as your length of residency and the value of the property. Successful applicants often receive a discounted purchase price, potentially removing the need for a deposit. Nonetheless, it is wise to have some savings set aside just in case.

Arrange a free mortgage appointment with a mortgage advisor in Aberdeen to find out whether the Right to Buy Scheme is something you’re eligible for.

Mortgages for Over 50s in Aberdeen

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Securing a mortgage when you’re over 50 in Aberdeen can be a different experience compared to younger borrowers. Lenders may have stricter criteria, considering factors like retirement age and income stability post-retirement.

However, there are tailored mortgage products designed to meet the needs of older borrowers. For instance, lenders might offer shorter-term mortgages, equity release schemes, or retirement interest-only mortgages, which allow you to pay only the interest on the loan. These options ensure that repayments remain manageable and align with your financial situation as you approach retirement.

Speaking with a specialist mortgage broker in Aberdeen like us can be extremely beneficial when trying to get a mortgage over 50. We can help you navigate the various options available and identify the best mortgage products tailored to your needs.

Reasons to Choose Us in Aberdeen

Providing mortgage advice in Aberdeen, 7 days a week

Speaking to a mortgage broker in Aberdeen can provide valuable insights and save you time. Our team is here to assist you every step of the way, from comparing mortgage deals to securing the best rates available.

Book your free mortgage appointment in Aberdeen

As a mortgage broker in Aberdeen, we work on a payment-on-results basis. You can speak with an advisor for free by booking online or giving our team a call.

You'll be paired with a dedicated case manager

Your case manager will provide you with valuable guidance and support to help you navigate through the mortgage process smoothly.

We're on your side and we work for you!

By working with a mortgage broker in Aberdeen, you can access a range of tailored options designed to meet your unique financial situation and goals.

Protecting you and your family

We also have access to a range of insurance options tailored to fit your specific requirements and financial constraints.

We search 1000s of mortgages in Aberdeen

By having a professional guide you through the process, you can gain valuable insights and access to a wider range of mortgage products available in the market.

Experienced and knowledgeable mortgage advisors in Aberdeen

Don't navigate the complexities of mortgages alone – speak to a knowledgeable mortgage broker in Aberdeen today to embark on your home buying journey with confidence.

We will be with you throughout your entire mortgage journey

We're here to help you overcome any obstacles that may come your way! We will be on hand to answer any questions that you have in the process.

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Common FAQs in Aberdeen

What do I need to buy my first home in Aberdeen?

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When starting your home search in Aberdeen, there are key steps to consider. To begin, you’ll need a mortgage deposit sourced from savings, equity, or a gifted deposit from the family.

It’s also essential to obtain a mortgage agreement in principle from a mortgage broker in Aberdeen early on. We can arrange this for you within 24 hours of your free mortgage appointment.

You will also need to provide a set of documents to evidence who you are and your overall affordability:

– Personal identification like a passport or driving licence
– Recent proof of address
– Three months’ worth of income evidence
– Bank statements spanning three months
– Proof of deposit such as savings account statements

Our committed team will support you at every stage, making sure that you are aware of everything that is going on in the background. Start your mortgage process today and get the advice that you need for your specific situation.

Can I port my existing mortgage to a new property in Aberdeen?

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If you’re moving home in Aberdeen and are looking at transferring your mortgage to a new property, you need to find out whether this is possible before doing so.

Our team of mortgage advisors in Aberdeen are here to assist you through this process, helping make an informed decision when it comes to porting your mortgage.

If you cannot port your existing mortgage to your new property, we will look at your other mortgage options with you and see what you can access.

How many buy to let mortgages in Aberdeen can I get?

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The number of buy to let mortgages you can obtain isn’t fixed.

It’s important to understand that the number of mortgages you can acquire varies from person to person. While some investors might build a large portfolio of properties, others may own just a few.

Whether you invest in properties individually, with a partner, or through a limited company, the number of mortgages you can secure depends largely on meeting your lender’s eligibility criteria. It’s essential to speak with a mortgage broker in Aberdeen who can guide you through this process and help you understand your options.

When deciding on the number of properties to invest in, consider factors such as your risk tolerance and long-term financial goals. These objectives might include generating income for retirement, replacing current earnings, capitalising on property value appreciation, or creating assets for future generations.

Speaking with a mortgage broker in Aberdeen can provide valuable insights and tailored assistance to meet your specific needs and aspirations. Book an appointment today to explore how you can make informed decisions regarding your buy to let investments.

When should I look to remortgage in Aberdeen?

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Usually, you have the flexibility to remortgage at any point. If you’re currently on a fixed-rate mortgage, it’s wise to start thinking about remortgaging approximately six months before your current deal expires.

Even if you find yourself needing to remortgage while still under a fixed-rate agreement, it is possible. However, it’s important to be aware of potential early repayment fees that may apply.

In such situations, our team of mortgage advisors in Aberdeen can help explore alternative solutions. This might involve looking into options like a second charge mortgage (secured loan) or securing an additional advance from your existing lender to identify the most financially advantageous path for you.

Can I get a mortgage in Aberdeen if I'm aged over 50?

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Did you know that there are numerous mortgage options available for home buyers aged 50 and above? As a dedicated mortgage broker in Aberdeen, we specialise in offering customised mortgage solutions tailored for those in later stages of life.

Our services cater to a variety of needs:

– Assistance with remortgaging for individuals aged 50 and over
– Guidance on property purchases for those aged 50 and above
– Support with capital release options
– Help with poor credit situations and debt consolidation for clients in the 50+ age group

If your specific circumstances do not fall into these categories, feel free to get in touch with us. Our team is here to assist you, no matter what your financial situation entails.

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