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Mortgage Broker Inverness

One of the most-reviewed fee-free mortgage brokers used by Inverness buyers and remortgagers.

From Inverness city centre to areas like Crown, Merkinch and Culloden, we help buyers, homeowners and landlords across IV1 and IV2 with clear, fee-free mortgage advice. Whether you’re buying your first home, moving or looking to remortgage, we compare mortgage lenders across the market to find a deal that fits your situation.

5★ Trustpilot | Whole-of-market | Rates same or better as going direct

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Free Mortgage Broker in Inverness

It comes up in almost every first conversation. If the advice is genuinely free, where’s the catch? There isn’t one.

You won’t be charged for the mortgage advice, the application work or any of the chasing that goes on in between. When a mortgage completes, the mortgage lender pays the broker a fee. That’s how the industry operates. Some firms then add their own charge on top of that. We don’t. And the lender paying us makes absolutely no difference to the rate or deal we find for you.

Hi, we’re YesCanDo Money

At YesCanDo Money, we keep mortgage advice straightforward and practical. The Highlands property market has its own rhythm and lender criteria can vary considerably depending on where a property sits. What’s straightforward for a city centre flat in Inverness can be a very different conversation for a rural cottage twenty miles up the glen, so we look carefully at the property, the borrowing and how lenders are assessing cases before anything is submitted.

Inverness and the surrounding Highlands present some of the most varied mortgage scenarios we encounter. Modern estates on the city’s edge are usually the most straightforward to place. Stone-built Victorian properties in Crown, rural cottages in surrounding villages, crofts and properties with agricultural ties all require careful lender matching before a mortgage application goes anywhere near an underwriter. That preparation is what keeps things moving and avoids unnecessary declines.

You won’t pay us a fee. All mortgage brokers are paid by mortgage lenders when a mortgage completes. Some firms charge clients on top. We choose not to.

When you’re ready, we handle the mortgage application, the paperwork and the lender contact so the process keeps moving. If you’re moving home, we can also compare porting your current mortgage with switching lender so you know exactly where you stand.

You focus on finding your perfect Highland home. We’ll deal with the mortgage.

Trusted mortgage advice in Inverness

We’re a mortgage broker used by customers across Scotland and the surrounding areas. You can read our independent reviews from people we’ve arranged mortgages for, which gives a good sense of how we work.

We compare around 14,000 mortgage products from more than 99 mortgage lenders, covering high street banks as well as specialist lenders. In Scotland, where property types like tenements, crofts and non-standard construction can narrow lender choice, that breadth becomes particularly important. Whether it’s income structure, credit history or the way a specific property is assessed, having options across the market makes a real difference.

With access to over 99 mortgage lenders, we’re not limited to the criteria or products of any single bank.

We work with over 99 Mortgage Lenders

Why Choose YesCanDo Money for your Inverness Mortgage?

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At YesCanDo Money, we’re a fee-free mortgage broker working in Inverness and across Scotland. We compare high street banks and more than 99 mortgage lenders, matching each case to the criteria that fit rather than pushing it through one bank’s rules.

We handle the mortgage application, the lender contact and the back and forth that tends to slow things down. From your first enquiry through to mortgage offer, you have a real adviser managing the process, so you’re not left trying to make sense of lender questions or paperwork on your own.

What you can expect from us

Choosing the right mortgage broker makes a difference to how the whole thing feels. People in Inverness and across Scotland often mention the same things when they talk about working with us, so here’s a sense of what you can expect.

Access to over 99 mortgage lenders

We work with high street lenders such as Halifax, Nationwide, Barclays and NatWest as well as specialist lenders that only accept applications through brokers. In Scotland, where certain property types can limit your options with mainstream lenders, that wider access makes a genuine difference.

Clear, straightforward advice

Before anything is submitted, we tell you how a mortgage lender is likely to view your application and what’s genuinely achievable. You get a straight answer on what’s realistic for your property and circumstances, not a sales pitch.

We handle the paperwork

Mortgages involve more back and forth than most people anticipate. We take care of the forms, deal with lender queries and keep things moving so nothing gets missed and the process doesn’t stall.

Matching you with the right lender

Not every lender is comfortable with every property type, and in Scotland that matters more than most. We look at where your case fits best before submitting anything rather than finding out the hard way after a decline.

Updates as things progress

We stay in contact throughout so you’re never left wondering where things stand. If something needs your attention we’ll tell you straight away rather than waiting for you to chase us for an update.

Flexible appointments

We fit around your schedule whether that’s a phone call, an online meeting or WhatsApp. Most of our clients never need to visit us in person and the advice is exactly the same either way.

What Our Inverness Clients Say About Us

At YesCanDo Money, the feedback we receive means a lot to us. Hundreds of clients have left five-star reviews on Trustpilot and we’re ranked among the top 10 mortgage brokers in the UK. It’s a reflection of how seriously we take every case, from the first conversation through to the day the mortgage completes.

Worked with us before? Feel free to leave us a review on either Google or TrustPilot.

Our Inverness Mortgage Services

At YesCanDo Money, we help buyers, homeowners and landlords across Scotland with clear, fee-free mortgage advice. Scotland has its own property laws, buying process and property types, and we factor all of that into the advice we give and the lenders we recommend.

First-time Buyer Mortgages Inverness

Buying your first home in Scotland means navigating Home Reports, the Scottish offer system and a conveyancing process that works differently to the rest of the UK. We explain what’s realistic and handle the full mortgage application from start to finish.

Remortgage Services in Inverness

Whether your fixed rate is ending or you want to check you’re on the right deal, we compare current rates across 99+ lenders and handle the whole remortgage process so you’re not left doing the legwork yourself.

Moving Home Mortgages in Inverness

If you’re upsizing, downsizing or relocating within Scotland, we compare porting your existing deal against switching to a new lender and manage the full application through to mortgage offer, working around the Scottish legal process as we go.

Buy-to-let mortgages Inverness

Scotland’s rental market is strong, particularly in Edinburgh and Glasgow. We look at rental income, lender criteria and the right application structure from the outset, as buy-to-let properties are assessed differently to residential mortgages.

Bad Credit Mortgages Inverness

A missed payment or an old default doesn’t close the door on a mortgage in Scotland. We look at the full picture rather than just a credit score and place cases with lenders who take a more considered view of your file.

Mortgage Protection Services Inverness

A mortgage is a long term commitment and a lot can change. We advise on life cover, critical illness cover and income protection so that if something unexpected happens, your home and finances aren’t left exposed.

Our Inverness Mortgage Case Studies

Our team goes above and beyond for our customers. Below are some examples of real situations on how we helped people get a mortgage in Inverness

Case Study 1 – First-Time Buyers in Culloden, Inverness

The situation

A couple had an offer accepted on a three-bedroom new-build house in Culloden for £245,000. They had a £15,000 deposit saved and were buying through the Scottish offer system for the first time, with a developer deadline adding pressure to the timeline.

The challenge

The developer was offering a deposit contribution incentive which some mortgage lenders treat as a reduction in the buyer’s effective deposit, pushing the loan-to-value higher than it appeared. The couple had been quoted a higher rate by their bank as a result and were unsure whether their deposit was going to be enough.

What we did

We reviewed the incentive structure, deposit position and both incomes and identified mortgage lenders comfortable with the incentive type without penalising the loan-to-value. We secured an agreement in principle and submitted the mortgage application for £230,000 on a five-year fixed rate with a lender comfortable with the development.

The outcome

The mortgage offer was issued within three weeks. The couple met the developer deadline, kept the deposit contribution and paid no broker fee throughout the process.

Case Study 2 – Rural Property Purchase Outside Beauly

The situation

A couple relocating from central Scotland had an offer accepted on a four-bedroom stone-built farmhouse outside Beauly for £385,000. They had significant equity from their previous property sale and were looking to borrow around £200,000 to complete the purchase.

The challenge

The property was a rural stone-built farmhouse with a small amount of land attached. Several mainstream mortgage lenders declined to consider the application due to the rural location, the construction type and the land element. The couple had been through two lender declines before coming to us and were concerned the purchase might fall through entirely.

What we did

We reviewed the full property details including the land element, construction report and location, and identified specialist mortgage lenders with experience of rural Highland properties. We placed the mortgage application with a lender whose criteria genuinely fitted the property profile and submitted with a detailed explanation of the construction and land position.

The outcome

The mortgage offer was issued and the couple completed on their Highland farmhouse without any further lender complications. They paid nothing for the broker advice or the mortgage application work.

Case Study 3 – Remortgage in Crown, Inverness

The situation

A homeowner in Crown contacted us as their fixed rate was coming to an end. Their Victorian stone-built property was valued at around £320,000 with an outstanding mortgage balance of approximately £175,000.

The challenge

Their existing lender had offered a product transfer but the rate was higher than expected given the loan-to-value position. They were also unsure whether the age and construction of the property might complicate switching to a new lender, having heard that some lenders are cautious about older stone-built homes in the Highlands.

What we did

We checked which mortgage lenders were comfortable with Victorian stone construction in the Highlands and compared the product transfer against remortgage options across the wider market. We identified a lender offering a lower five-year fixed rate who covered standard legal costs as part of the remortgage package.

The outcome

The remortgage completed before the existing deal expired, reducing monthly payments compared to the product transfer offer. The homeowner paid nothing for the broker advice or mortgage application work.

Local mortgage advice about Inverness

Buying property in Inverness is unlike almost anywhere else in the UK. As the capital of the Highlands, the city sits at the heart of one of the most breathtaking landscapes in the world, and its property market reflects that unique position. From modern new builds on the city’s southern fringe to Victorian villas in Crown, traditional stone cottages in surrounding villages and remote rural properties deep into the Highlands, the range of what’s available is extraordinary.

Crown and Drummond are among the most sought-after residential areas, with period properties and well-maintained homes attracting strong demand. The Merkinch and Dalneigh areas offer more accessible prices and a different buyer profile. To the east, Culloden and Balloch have seen new development attract families looking for modern homes within easy reach of the city. Further out, villages like Beauly, Dingwall and Nairn extend the Inverness market into genuinely rural territory where lender criteria can differ significantly from urban norms.

That variety has a direct impact on how a mortgage lender assesses a property.

Rural and remote properties in the Highlands can narrow lender choice considerably. Crofts, properties with agricultural ties, timber frame construction and homes in very isolated locations are all assessed differently and some mainstream lenders simply won’t consider them. Non-standard construction is more prevalent across the Highlands than in most parts of the UK and that matters when it comes to lender selection. Properties in Inverness city itself are generally more straightforward, but older stone-built homes and converted properties can still raise questions around construction and condition.

Prices in Inverness are considerably more accessible than Edinburgh or Glasgow. One-bedroom flats typically start from around £90,000 to £130,000, while family homes commonly sit between £200,000 and £350,000. Properties in prime areas like Crown or larger rural homes further into the Highlands can go significantly higher. Many mortgage lenders cap borrowing at around 4.5 times income, although some will stretch further depending on profile.

Inverness is one of the fastest growing cities in Scotland, driven by its position as the economic hub of the Highlands, improving transport links and a quality of life that continues to attract buyers from across the UK.

Knowing Inverness helps. Knowing which mortgage lender will accept the property and borrowing structure in the Highlands is what really makes the difference.

Frequently Asked Questions

Do I pay a fee for mortgage advice in Inverness?

No. Our mortgage advice and application service is completely fee-free. We're paid by the mortgage lender when your mortgage completes, which is how most brokers are funded. Some firms charge their clients on top of that. We don't, and it makes no difference to the rate or deal we find for you.

Can you help with rural and remote properties in the Highlands?

Yes, and it's something we have real experience with. Rural properties, crofts, properties with agricultural ties and homes in remote Highland locations can narrow mainstream lender choice significantly. Some lenders simply won't consider them. We identify which lenders are genuinely comfortable with the property before anything is submitted, which avoids wasted time and the cost of a declined application.

Can you help with crofts and properties with agricultural ties near Inverness?

Yes, though these require very careful lender matching. Crofts and properties with agricultural restrictions are assessed very differently to standard residential properties and only a limited number of mortgage lenders will consider them. We review the full property details before recommending any lender so you're not left discovering the restrictions are a problem after an application has already been submitted.

How does buying in the Highlands differ from the rest of the UK?

Buying in Scotland works differently to England and Wales, and the Highlands adds further considerations on top of that. Home Reports are required before a property is marketed, the offer process works differently and rural properties often come with additional legal and planning considerations around land, access and agricultural ties. We factor all of this into the advice and the lender selection from the start.

Do I need to use a mortgage broker based in Inverness?

No. You don't need a local broker to get good mortgage advice in Inverness or across the Highlands. We're based in Portsmouth but help buyers and homeowners across Scotland remotely, with everything handled by phone, email and WhatsApp. The rural location of a property doesn't affect our ability to help, and most of our clients never need to meet us in person.

Ready to start your mortgage process? Contact us

If you’re buying or remortgaging in Inverness the starting point is a conversation. We talk it through, look at what’s realistic, and explain the options before anything moves forward. There’s no charge for that initial discussion. If it makes sense to proceed, we handle the application and the lender side through to offer.

What’s next?

1. We talk it through

We start with a short call to understand your situation and what you’re looking to achieve. Income, deposit, the property and anything specific to buying in Scotland that might affect mortgage lender choice. From there, we give you a clear picture of what’s realistic.

2. We find and secure the deal

We search across the market, including mortgage lenders you can’t reach by going direct. Once you’re happy with the recommendation, we secure the rate, arrange an agreement in principle and submit the full mortgage application.

3. We see it through to completion

When the mortgage lender is satisfied, they issue the formal mortgage offer. We stay involved through to completion, and if a better rate becomes available before that point we’ll look at whether switching makes sense.

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Local mortgage expertise in Inverness

Inverness sits at the gateway to the Highlands and its property market is genuinely unlike anywhere else in the UK. The combination of city centre homes, rural cottages, crofts, timber frame properties and remote Highland locations means that lender knowledge isn’t just helpful here, it’s essential. Getting the wrong lender involved at the wrong stage can cost weeks and in some cases, the property itself.

We work with buyers and homeowners across Inverness and the wider Highlands, placing mortgage applications with lenders whose criteria genuinely fit the property and income involved. A modern new build in Culloden is a completely different conversation to a stone cottage outside Beauly or a croft in the Black Isle.

We’re a family-run mortgage broker, not a call centre. You deal with a real adviser throughout, someone who takes the time to understand your situation and the specific property involved before working out which lender is most likely to say yes.

We also think ahead. The Highlands property market attracts buyers with longer term plans, whether that’s a forever home, a holiday let or a rural retreat. If your plans for the property might change, that conversation is worth having now so the mortgage structure supports what you want to do further down the line.

It’s not just about the rate. In the Highlands, it’s about knowing which lender understands the market well enough to say yes in the first place.

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