Business Details
28 Years
experience
Trusted Mortgage Brokers in Glasgow
Established in 1998, Independent Mortgage Store is a multi-award-winning Glasgow-based mortgage brokerage with over 26 years of industry expertise. Our team of independent advisors, including colleagues at Pacitti Jones, collectively boast more than 90 years of experience in property and mortgage markets. We specialise in impartial, whole-of-market mortgage advice, offering access to thousands of products - including exclusive broker-only deals - that aren't available on the high street.As a privately-owned firm regulated by the Financial Conduct Authority, we prioritise client needs through our personalised service approach. Our advisors hold prestigious qualifications including CeMap 1,2&3, and we've consistently been recognised as Top 3 Best Rated Brokers in Glasgow. We serve clients across Scotland and throughout the UK, with a particular focus on complex cases where our expertise has repeatedly delivered successful outcomes.
Services
First Time Buyer Mortgages
Remortgaging
Buy-to-Let Mortgages
Offset Mortgages
Professional Mortgages
Student Mortgages
Retirement Mortgages
Life Assurance
General Insurance
Credit Check Services
Details
- Year established: 1998
Highlights and features
- 26 years of specialist mortgage advisory experience
- Team with combined 90+ years in property markets
- Whole-of-market access to thousands of mortgage products
- Award-winning service (Best Regional Broker Glasgow 2024)
- FCA regulated for client protection and compliance
Associations and certifications
- Financial Conduct Authority
What people say
Professional and friendly service
Excellent communication
Saved thousands of pounds
Stress-free process
Personalised approach
Services
First Time Buyer Mortgages
Specialist guidance for first-time property purchasers navigating the mortgage process. Our advisors simplify complex procedures while securing competitive rates. With extensive experience in student mortgages and guarantor arrangements, we've helped hundreds achieve homeownership. Our service includes property search support, mortgage product selection, and application management, with particular expertise in challenging cases requiring non-standard solutions.
Remortgaging
Expert remortgaging solutions to secure better rates and financial positions. We analyse existing mortgage arrangements to identify savings opportunities, including complex cases with unusual circumstances. Our team has consistently delivered significant savings - up to 300 monthly reductions - while managing the complete transition process. We also advise on associated insurance products and market timing considerations.
Buy-to-Let Mortgages
Specialised financing solutions for property investors across Scotland and the UK. Our expertise covers portfolio management, tax-efficient structures, and commercial buy-to-let arrangements. We provide market analysis, cashflow projections, and access to exclusive investor products. With experience in complex cases including international investors and non-resident landlords, we ensure compliance with evolving regulatory requirements.
Life Assurance
Comprehensive life insurance solutions tailored to individual circumstances. We offer whole-of-market comparisons to find appropriate coverage levels at competitive rates. Our advisors explain policy terms clearly, including critical illness cover and income protection options. We've successfully arranged policies for clients with pre-existing conditions and complex financial arrangements, ensuring adequate family protection.
General Insurance
Tailored home insurance solutions using the Source Home Insurance comparison system. We provide comprehensive coverage assessments for residential properties, including unique requirements for listed buildings and high-value homes. Our service includes policy term explanations, claims process guidance, and regular coverage reviews to ensure ongoing suitability as circumstances change.
People
Gerry Hughes
Senior Mortgage and Protection Advisor
Senior advisor with CeMap qualifications and over 35 years' financial services experience. Specialises in complex mortgage cases and protection products. Formerly with Northern Rock and Bradford & Bingley, joining Independent Mortgage Store in 2017. Combines technical expertise with personal service approach.
Laura Carson
Office Manager
Key operational lead with 25+ years' experience supporting mortgage applications. Manages administrative processes while maintaining client relationships. Joined in 1998, ensuring meticulous application handling and regulatory compliance. Provides continuity through direct client communication during mortgage processing.
Questions
What mortgage types do you offer?
We provide first-time buyer, remortgage, buy-to-let, offset, professional, student, and retirement mortgages, along with specialist products for complex situations.
How are your fees structured?
Our standard mortgage advice fee is £399, with an option to pay £1,500 for commission transparency. Fees depend on case complexity and service requirements.
Can you help with difficult mortgage cases?
Yes, our team specialises in complex cases including non-standard income, overseas buyers, and unique property types, with proven success in challenging situations.
Do you offer insurance products?
We provide life assurance and general insurance through whole-of-market comparisons, ensuring appropriate coverage at competitive rates using Source Home Insurance system.
How long does the mortgage process take?
Typical processing takes 2-3 months, but we've completed urgent cases in 10 days. Timelines depend on lender requirements and application complexity.
Are you regulated by financial authorities?
Yes, we're authorised and regulated by the Financial Conduct Authority (FCA register No. 301002) for your protection and compliance assurance.
Reviews (7)
Andrew Parker
May 30, 2022
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Lewis at the independent mortgage store was extremely helpful in navigating my mortgage - as a consultant on variable income it was very important to me to have this support. I chose them on the back of a recommendation from a family member, and I would in turn gladly recommend using their service.
Colin Lipsey
Apr 25, 2022
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Paul and co have been organising our mortgages for over 10 years. Paul and his team Gerry, Laura and Lewis are extremely professional, efficient and helpful and are always on hand to make the process easier. I would and have already recommended the independent mortgage store to friends and family without hesitation. Well done team!
Philip Collins
Apr 07, 2022
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Definitely made the correct choice in choosing the Independent Mortgage Store. Lewis uses his knowledge and experience to provide an excellent service. From the structured way he approached the initial information gathering, to his excellent advice throughout, and finally to the fast approval of our mortgage.
Barry Phillips
Mar 10, 2022
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Independent Mortgage Store have my very highest recommendation. Their mortgage advisor, Lewis Campbell, has been an absolute superstar in helping me and my family buy our first home. Professional, knowledgeable, personable, totally on the ball throughout the whole process. Thank you, Lewis!
Chris Miller
Feb 19, 2022
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Would highly recommend getting in touch with the Independent Mortgage Store if you are looking for assistance in securing a mortgage. Lewis was incredibly helpful and supportive, as well as reliably informed and made the entire process very straightforward. He guided us through all of the options available and was always on hand to answer any questions that we had, which was especially appreciated given the change to our circumstances over the course of our application. Overall, very impressed with the service offered!
Jane McDevitt
Feb 03, 2022
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Lewis at the Independent Mortgage Store is friendly, patient, brilliant at explaining everything and we are really happy with the mortgage he found for us. I'd be more than happy to recommend him to friends and family. Thank you so much for making a stressful time so much easier!
Martin Gilfillan
Feb 03, 2022
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Incredibly quick and easy service. Highly recommend and will definitely use again. Lewis dealt with all issues making it the easiest mortgage application possible.
