Fee Free Mortgage Service | Expert Advice | We Do Everything For You
Fee-Free Mortgage Advisor Edinburgh
- Expert Mortgage Advice
- We Complete Your Application
- Access To The Best Mortgage Rates
- Fee Free Service
- Fully Protected
- Trustpilot - 5 Star
Our Fee-Free Mortgage Services
Remortgage
Renew your mortgage to a better deal
Be it for a better deal or for equity release, we can help you get the right deal on your remortgage. Our team will offer you free impartial advice according to your personal circumstances, making sure you benefit from an interest rate that is better than that on your current mortgage.
First Time Buyers
Not sure where to start with you first mortgage?
Deciding on the right mortgage can be difficult as a first-time buyer, especially if you're unsure about the jargon mortgage lenders use. But that is where our team of mortgage advisors can help with your first mortgage. We simplify the mortgage process and support you every step of the way.
Moving Home
Mortgages to move home
Are you currently browsing the local property market for your next home? If so, you need mortgage advice you can rely on. We will explore the mortgages that are right for your financial situation, and will ensure this part of the moving process is as stress-free as possible.
Buy To Let
Mortgages for Buy-To-Lets
With years of experience helping landlords in Edinburgh, we'll help you secure the mortgage deal that is primarily targeted toward your buy-to-let mortgage needs. Your appointed representative will provide a tailored service to ensure you achieve the best Buy to let mortgage deals
Fee-Free Mortgage Broker Edinburgh
How to get a mortgage in Edinburgh
We really do make getting a mortgage seem easy.
Step 1: Get in touch
Call us on 033 0088 4407 or message us here. We will then make contact and ask you a few questions about your situation and arrange a call or video call meeting. Remember we charge. NO FEE for our service!
Step 2: Mortgage Advice
A local online mortgage advisor will contact you to have a chat over the phone. This will allow us to get a clear understanding of what you want to achieve and how we can help. We communicate online.
Step 3: We Compare
We will search the WHOLE mortgage market and get you the best rates and deals. We look at the best overall value of the home loan deal for you and your situation. Get the best rates and deals!
Step 4: Mortgage Ready
Once you choose your best available deal, we will get the application for your mortgage started for you. Once your application is successful you will receive a decision in principle (DIP). Most estate agents require a DIP to accept an offer.
What YesCanDo Money Offers
What You Can Expect From Our Mortgage Advisors
With so many different lenders out there, finding the right mortgage can be a time-consuming and stressful process. But this is where we come in. Our team of mortgage consultants support Edinburgh with a tailored personal service that ensures your mortgage experience is both stress and hassle-free.
From the initial consultation where we get to learn more about your needs, to the application process where we help you with all the paperwork that is involved, you can be assured of our professional support. And as we are a ‘whole of market’ broker, you will have access to deals from across the entire mortgage market.
We ensure that you always fully understand all of your available mortgage options and that you NEVER pay more than you need too.
Highly Rated Mortgage Service
With over 30 years of experience serving our Edinburgh mortgage clients, we have secured a strong reputation for helping people get the lowest mortgage deal. Check out the reviews we have received on TrustPilot as evidence of the excellent services we have provided for all of our clients.
We Compare 14,000+ Mortgage Deals
As a ‘whole of market’ broker, we can compare the vast range of mortgages that are out there, from both niche and high street lenders, as we work to find the best mortgage product for your particular need.
Mortgage brokers that give expert mortgage advice
We understand how difficult it can be to get the best deal on a mortgage. However, we can make the process easier for you. Customer care is at the heart of everything we do, which is why our mortgage consultants will work tirelessly on your behalf. We are here for you at every step of your mortgage journey, so get in touch with us and benefit from advisors that put your needs at the heart of everything they do.
Mortgages In Edinburgh
Mortgage Rates In Edinburgh
Mortgage rates in Edinburgh normally depend on the current Bank of England base rate, the economic climate, and your individual financial circumstances. Lenders will take these factors into account when determining the interest rates that will form part of the repayments on your mortgage.
As whole of market mortgage brokers, we can help you secure the perfect mortgage rate. We will look at all your mortgage options and give you free impartial advice once you are mortgage application, with suggestions on what you can do to improve your chances of being offered the lowest mortgage rates in Edinburgh available.
Property Prices In Edinburgh
The average price for a property in Edinburgh during 2022 was £333,935. For those looking to purchase property in this area, you should know that various types of properties come with their own associated average sold prices over the last year.
The table below indicates the average property prices in Edinburgh as well as mortgage payments.
| Property Type | Average Property Price | Monthly Mortgage Repayment * |
|---|---|---|
| Flat/apartment | £265,726 | £1,690 pcm * |
| Terraced House | £422,934 | £2,690 pcm * |
| Semi-Detached House | £416,780 | £2,651 pcm * |
| Detached House | £645,111 | £3,064 pcm * |
* (Monthly mortgage payments based on a 90% Loan To Value – 4% two year fixed rate – 25 year term)
Average property prices based on Zoopla figures posted at here »
House Price to Income ratio in Scotland
In Scotland, affordability of housing is defined by comparing the price range of houses to average household incomes.
This graph was created by YesCanDo | Data Source: Office of National Statistics (ONS)
Keypoints
- In Scotland, the median house price is a staggering £166,000 while the median income sits at £30,300. This presents an intimidating ratio of 5.5 years worth of earnings needed to purchase a home!
- At the end of the financial year 2021, houses in England cost a mean 8.7 times more than an average annual disposable family income; Wales saw 6.0 and Scotland had 5.5 ratios respectively for house pricing versus salary earnings per household!
- Evidently, Scotland’s lower-cost homes are more accessible to low-income households than mid-priced housing is for middle income households or high priced housing would be to higher earners – all this according to the same percentile ratio of affordability.
Our Mortgage Reviews
Our customer reviews make us blush 😊
We have many happy customers from across the majority of the UK. Take a moment to read our customer reviews below or alternatively visit our reviews page. We have thousands of reviews across our Google, Facebook, and Trustpilot pages.
I built YesCanDo Money from 20 years of being a local independent financial advisor where customer service was of utmost importance to me. Around 7 years ago my sons (Matthew & Sam) joined the business and since then we have grown our fee free mortgage broker to provide the same level of service but online and to the whole of the UK. We are proud to have looked after the people of Edinburgh and around the UK for over 30+ years. We hope we can help you soon too.
Our expert mortgage advisers help you to achieve your best mortgage.
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Meet Our Mortgage Team
Expert Mortgage Advisors in Edinburgh
At YesCanDo, we are authorised and regulated by the Financial Conduct Authority (FCA), so you can be guaranteed a professional and impartial service. With over 30 years of experience providing impartial advice to customers in Edinburgh, we will make sure you get the right mortgage deal.
