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.
- Expert Mortgage Advice
- We Complete Your Application
- Access To The Best Mortgage Rates
Free Mortgage Advice Edinburgh
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!“
- A TREE PLANTED FOR EVERY MORTGAGE
Edinburgh Mortgage Advisor Reviews
Our customer reviews make us blush 😊
Mortgage Advisor Edinburgh
Remortgage Solutions
Life's circumstances change, and so do mortgage needs. Our team's expertise ensures you get the best remortgaging solutions tailored to your evolving requirements.
- Tailored advice based on market trends and individual needs.
- Seamless transition with minimal paperwork.
- Access to the best remortgage deals in the market.
Guidance for First-Time Homebuyers
Buying a home for the first time is both exciting and challenging. We guide first-time buyers through the complexities of the mortgage process, ensuring a smooth journey.
- Comprehensive guidance tailored for every first-time buyer.
- Access to the best deals and rates in the market.
- Over 30 years of experience ensuring a seamless process.
Moving Home Mortgages
Relocating can be complex. We guide you through the financial aspects of the whole process of moving, ensuring a smooth house purchase in Edinburgh.
- Expert guidance on borrowing limits and best mortgage deals.
- Insights into Edinburgh's property market and neighbourhoods.
- Seamless transition with minimal paperwork.
Buy-to-Let Mortgages
Edinburgh's buy-to-let market offers promising opportunities. We guide investors through property selection, understanding rental yields, and securing the best mortgage deals.
- Expert insights into rental yields and buy-to-let affordability.
- Tailored and best advice for maximizing rental returns.
- Access to the best buy-to-let mortgage deals.
Our Mortgage Brokers Success Stories
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.
Educational Content and Resources
2 or 5 Year Fixed Mortgage: The Best Choice for You
Do mortgage brokers charge a fee?
How long does a mortgage application take?
Understanding Remortgage Valuation: Is It Necessary for You?
How long does a remortgage take?
Mortgage Affordability: What Mortgage Can I Afford?
Discover How Much Can You Borrow for a Mortgage UK
Frenquently Asked Questions
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.
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Contact YesCanDo Money
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.
