Whether you are a first time buyer, remortgaging, moving house, or considering buy to let to building a property portfolio, we can offer the most suitable & cost efficient mortgage. The Independent Mortgage Store is a Glasgow based award winning mortgage company specialising in impartial mortgage advice giving advice offered throughout Scotland and whole of the UK.

Over the last 24 years we have built an enviable reputation for reliable and trustworthy mortgage and insurance services. We specialise in providing a bespoked and personalised service to each and every client.

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About Us

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I attended Earnock High School in Hamilton before moving to the west end of Glasgow in 1982 and completing an honours degree in Cell Biology at Glasgow University in 1986. After a major review of my career options I moved into financial services starting in 1986 with Financial Planning Services. After rising to a Senior Unit Manager looking after a team of 12 IFA's I chose to specialise in the mortgage market and became a mortgage broker.

Mortgages

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The Credit Crunch had a major impact on the range of mortgages on offer to house buyers. It is likely to rise twice more over the next three years, according to Bank of England governor Mark Carney. With the combination of Brexit and the potential effects of uncertain political times ahead this leaves the markets with an uncertain future.

First Time Buyers

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Over recent years there's been a steady increase in the number of people purchasing their first home. While the financial crisis of 2008 resulted in to 'generation rent', financing options have responded to the needs of first time buyers in the current climate. These options have helped first time buyers increase by 75% since the year of the recession.

Home Buyers

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If you have previously owned a property and you want to buy a new property, then you could be classed as a "second time buyer" for mortgage purposes. If you sold your previous property and made a profit then hopefully you will have saved this money to be used as a deposit. The bigger the deposit you have the better; firstly because your monthly repayments will be less and secondly because mortgage lenders look more favourably on people borrowing a smaller proportion of a property's value, called the loan-to-value (LTV).

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