Fee Free Mortgage Broker Edinburgh

Edinburgh, the historic capital of Scotland, is renowned for its rich heritage, stunning architecture, and vibrant culture. As a leading mortgage broker Edinburgh, we at YesCanDo Money have been privileged to serve this beautiful city, offering our mortgage advice and experience to its residents for over three decades.

We Do It All For You, Fee-Free Including:

Home » Areas We Serve » Mortgage Broker Scotland » Mortgage Broker Edinburgh

Free Mortgage Advice Edinburgh

WE WORK WITH 90+ MORTGAGE LENDERS

1. Fee-free mortgage service

Confident and reassuring. For over 25 years, we have been committed to a predominantly fee-free mortgage service. Unlike many mortgage brokers who charge additional fees, YesCanDo Money does NOT charge a fee in 9 out of 10 cases. Our commission-based model ensures transparency, and we firmly believe that professional advice should be accessible to everyone.

2. Whole of Market for the Best Mortgage Deal

Expert and informative. The mortgage market is vast and complex, with over 14,000 mortgage products from 90+ mortgage lenders. Basic comparison sites often fall short. Our mortgage advisors use advanced tools to navigate this dynamic landscape, ensuring you get the best deal and lowest interest rate. We even handle all the necessary paperwork from mortgage application through to completion, offering unparalleled convenience.

3. Catering to Unique Mortgage Needs

Empathetic and Expert. Every mortgage scenario is unique. With over 30 years in the mortgage market, our whole-of-market access ensures we find the right mortgage deal tailored to your specific needs. We prioritize your interests, ensuring you get the best mortgage solution.

4. Stress-Free Mortgage Process

Reassuring and Client-Centric. We are dedicated to making your mortgage process straightforward and stress-free. Our team ensures clear communication at every phase, from consultation to liaising with mortgage lenders. As one Edinburgh mortgage client put it, “The entire process was seamless!“

Start Mortgage Journey Learn what your mortgage options are

Edinburgh Mortgage Advisor Reviews

We are a highly rated mortgage broker - Rated 5 on TrustPilot

We take immense pride in the positive feedback we receive, especially having over five-star Trustpilot reviews putting us in the top ten brokers in the whole UK. These testimonials reflect our dedication to providing a smooth and exceptional service. Don't just take our word for it; we encourage you to read the reviews for yourself.

Our customer reviews make us blush 😊

Mortgage Advisor Edinburgh

Our range of mortgage solutions is tailored to diverse needs, ensuring convenience and personalised mortgage advice.

Mortgage Lenders

0 +

Mortgage Products

0 +

Customers Helped

0 +

Our Mortgage Brokers Success Stories

Helping the people of Edinburgh with their mortgage and property goals

Success in the mortgage industry means more than simply finding a suitable mortgage; it means making dreams come true for our clients. Below are three case studies illustrating our dedication to excellence and its positive effects on their lives.

John and Sally, recently relocated to Edinburgh, faced the challenges of their first mortgage process. With our expert guidance, they confidently navigated the system and secured their first home in a desirable city location, marking a significant milestone in their journey.

The Campbells, an established family in Edinburgh approached us with the intent to remortgage their residence. Through our streamlined services and timely advice, they successfully secured a competitive rate before rates climbed even further, reflecting our commitment to client satisfaction.

Dr. Douglas and his wife, Clara, were eager to upsize to their dream home in Edinburgh. However, they faced a significant setback when their mortgage application was declined by another broker and lender. The primary challenge was Dr. Thompson's unique pay structure, owing to his profession as a doctor. Undeterred, the Thompsons approached us, seeking a solution to their predicament. Drawing on our deep understanding of diverse income structures and our extensive lender network, we identified a lender that recognised and accommodated Dr. Douglas's unique earnings. This understanding paved the way for the Douglas family to secure a mortgage, enabling them to purchase their dream "forever home".

Mortgages In Edinburgh

There are many different types of mortgages in Edinburgh. This includes fixed mortgages and variable rate mortgages. Variable-rate mortgages include both discount mortgages and tracker mortgages. We will help you to understand all of your options so you can determine which one is right for you.

Mortgage Rates in Edinburgh

Mortgage rates in Edinburgh depend on the Bank of England base rate, your affordability rating, and the type of property you are considering. Mortgage lenders will take these factors into account before deciding how much to lend you and at what rates. The type of mortgage you choose and the mortgage term you decide on can also affect your mortgage offer.

According to ONS data, the average price of a property in Edinburgh in 2024 is £332,000. The table below shows the current mortgage rates for this average property price with a 80% loan to value £257,600 mortgage.

Mortgage Calculators

Making informed financial decisions is crucial when considering a mortgage. Our suite of calculators is designed to provide clarity:

Mortgage Affordability Calculator: This tool was created to assist potential buyers in assessing their borrowing power. By entering details such as income, monthly expenses and loan term information into this calculator, users can get an estimate of the mortgage amount they may qualify for.
Mortgage Repayment Calculator: This tool helps with budgeting and financial planning require knowing monthly mortgage repayments in order to create a realistic estimate of costs, with this calculator offering estimates based on the loan amount, interest rate, and term.

Interpreting the results of both calculators in light of your personal finances is key to their accuracy and usefulness. Should any queries arise or clarification be required, our fee-free mortgage advisors are on standby.

Edinburgh Property Landscape

Edinburgh’s property market is diverse, offering opportunities for all.

Most Expensive Area: Located in the heart of Edinburgh, Morningside is a testament to the city’s rich history. With its lush green parks, historic landmarks, and upscale amenities, it’s no wonder it’s one of the most sought-after areas in the city.
Least Expensive Area: Leith, once a bustling port area, has transformed into a vibrant community offering excellent value for money. With its waterfront views, diverse culture, and thriving arts scene, it’s a hidden gem in Edinburgh’s property market.
Commute Time: From the historic heart of Edinburgh, commuting to nearby cities is both swift and convenient. A train journey to Glasgow, Scotland’s largest city, takes just about 48 minutes on the fastest services. For those venturing further south to Manchester, the vibrant hub of the North West of England, the journey is approximately 3 hours and 13 minutes on the quickest routes.
Rental Market: Edinburgh’s educational institutions, including its renowned universities, coupled with a growing workforce, have led to a surge in rental demand. The city’s dynamic and diverse population ensures a robust and thriving rental market.

Start Mortgage Journey Disover your mortgage options

Educational Content and Resources

Stay informed about the mortgage process through our insightful articles and guides on this site. From understanding the basics to diving deeper into specific topics, our resources aim to empower you. Whether it's your first-time buying experience, remortgaging opportunities or buy-to-let investment ideas you're pursuing - our content offers clarity and insights!

Frenquently Asked Questions

Navigating the mortgage landscape can be daunting. Our FAQs address common queries, ensuring you have all the information you need:

Is it cheaper to use a mortgage broker?

Using a broker for mortgages can be cost-effective as they often have access to exclusive deals not available to the public. While some charge fees, many choose not to as all brokers earn a commission paid by lenders.

Is it best to go with a mortgage broker?

A broker offers the advantage of comparing multiple lenders and getting the best mortgage product, ensuring you get a tailored solution. Their expertise can simplify the entire mortgage process, making it easier to find the perfect mortgage fit for your needs.

Are brokers better than banks for mortgages?

Brokers provide a broader view of the market compared to banks, which offer only their products. While banks can give competitive rates, brokers can find specialised deals and lenders that might better suit individual circumstances.

How much would a mortgage broker charge?

Mortgage broker charges vary. Some offer fee-free services as all brokers earn commissions from lenders. Others might charge a flat fee or a percentage of the mortgage amount. It's essential to clarify fees upfront to ensure transparency.

Mortgage Insights

Stay up-to-date with industry trends, market analysis and personalised advice tailored specifically to Edinburgh residents with our regularly updated blog and updates.

Will mortgage rates go down or up in 2023?

Will mortgage rates go down in 2024 UK?

On the 19th of September 2024, when the Bank of England (BOE) last had a committee, they chose keep the ...

Secure the Best Mortgage Rate Guaranteed

Securing the best mortgage rate can be daunting, especially with the ever-changing interest rates in the market. At YesCanDo Money, ...

Perenna’s Zero Bills Mortgage Partnership with Octopus

As we all look for ways to save money and reduce our impact on the planet, Perenna’s Zero-Bills Mortgage offers ...

Gen H Enhanced Criteria for Foreign Nationals in Lending Policy

Generation Home known as Gen H has announced an updated mortgage policy aimed at making homeownership easier for foreign nationals ...

halifax's enhanced shared ownership scheme

Halifax Takes Bold Step Towards Easier Home Access Through Shared Ownership

In a significant move to make homeownership more accessible, Halifax has updated its shared ownership criteria. This policy change is ...

UK’s 99% Mortgage Scheme: Key Impacts & Insights

In a bold move to tackle the housing affordability crisis facing many Britons, the UK government, led by Prime Minister ...

Fastest Mortgage Lenders UK: 2023’s Speedy Leaders Analysed by YesCanDo Money

In the dynamic UK property market, timing is everything. Securing a mortgage promptly can be the key to landing your ...

Introducing Perenna: A New Dawn in UK Mortgage Lending

Revolutionising Homeownership with Long-Term Fixed-Rate Mortgages In a bold move that’s set to shake up the UK mortgage market, ...

Contact YesCanDo Money

Fee Free Mortgage Advisors Ready To Help

Have questions, need advice or simply want to chat about mortgage options? Our team is ready and willing to provide tailored guidance and support - reach out today for personalised guidance and support!

Expert Mortgage Advice Across Scotland

We provide mortgage advice across Scotland and throughout the UK. Advisers ready to help!

Written by Steve Roberts

Steve Roberts started as a Financial Adviser in 1992, earning the MAQ and founding YesCanDo Money, a leading UK mortgage broker. With digital expansion and his sons, Matthew and Sam, as co-directors, the company doubled in size, even amidst the 2020 pandemic. Under Steve's lead and his sons' input, YesCanDo remains a trusted financial guide. Off-duty, Steve values family and enjoys seaside walks and photography.