First Mortgage

Business Details

Your Trusted Mortgage Broker in Edinburgh

First Mortgage has been providing free impartial mortgage advice across the UK for over 25 years. Originally established in Scotland, we have expanded our services nationwide, securing billions of pounds in mortgages for clients. Our success stems from an exceptional track record in mortgage approvals and a client-centric approach prioritising quality customer care. Over 70% of our new clients come through recommendations, reflecting our commitment to delivering value through a 100% free service.

We operate under strict regulatory oversight as an Appointed Representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited, both authorised by the Financial Conduct Authority. Our unique 'Best in Market' Mortgage Promise guarantees a 500 payment if clients find a better deal elsewhere, reinforcing our confidence in the competitiveness of our offerings.

Services

Buy to Let Mortgages First Time Buyer Mortgages Remortgage Services LIFT Mortgage Scheme New Build Mortgages Right to Buy Mortgages Shared Equity Mortgages Mortgage Calculators Property Market Guides Phone Mortgage Advice

Highlights and features

We have over 25 years of experience in UK mortgage brokering
We offer a 100% free service with no hidden fees
We compare over 10,000 mortgage products to find your best deal
We provide a 500 guarantee if you find a better mortgage elsewhere
Our success rate in securing mortgage approvals is industry-leading

Associations and certifications

Financial Conduct Authority

What people say

Award-winning service 100% free Best deals guaranteed Excellent customer care High success rate

Website

Update Listing

Services

Buy to Let Mortgages

We specialise in buy-to-let mortgages for property investors seeking competitive rates and flexible terms. Our brokers compare thousands of products to find optimal investment solutions. With expert guidance on tax implications and portfolio management, we help landlords maximise returns while navigating regulatory requirements.

First Time Buyer Mortgages

Our first-time buyer service helps new entrants access the property market with tailored mortgage solutions. We provide guidance on government schemes like LIFT and Shared Equity, assist with deposit requirements, and offer clear explanations of affordability criteria to simplify the purchasing process.

Remortgage Services

We help homeowners remortgage to better rates or release equity with minimal hassle. Our service includes penalty calculations for existing mortgages, market comparisons, and assistance with application processes. We ensure clients understand all financial implications before switching.

LIFT Mortgage Scheme

We provide expert guidance on Scotland's LIFT mortgage scheme for first-time buyers. Our brokers explain eligibility criteria, help applicants prepare documentation, and negotiate with lenders to secure the most favourable terms under this government-backed initiative.

Mortgage Calculators

Our online mortgage calculators help users estimate borrowing capacity, stamp duty costs, and repayment amounts. These tools provide instant insights into affordability and help clients prepare for formal mortgage applications with realistic expectations.

Questions

Is your mortgage advice really free?

Yes, we offer 100% free impartial mortgage advice. Our service is funded entirely by mortgage lenders through commissions, with no fees charged to clients at any stage.

How do you guarantee the best mortgage deal?

Our 'Best in Market' Mortgage Promise guarantees £500 compensation if you find a better deal elsewhere. We compare over 10,000 products to ensure competitive offers for all clients.

Do you operate outside Scotland?

Yes, while established in Scotland, we provide mortgage advice nationwide across England, Wales, and Northern Ireland through branches and phone consultations.

What mortgage products do you compare?

We compare over 10,000 mortgage products from hundreds of lenders, including exclusive deals not available through high-street banks or online comparison sites.

How are you regulated?

We are an Appointed Representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited, both authorised and regulated by the Financial Conduct Authority.

What support do first-time buyers receive?

First-time buyers receive specialist guidance on government schemes, deposit requirements, and affordability criteria, with dedicated support throughout the mortgage application process.

Reviews (5)

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Louise M.

Nov 03, 2016 Report

I would highly recommend First Mortgage to anyone looking for mortgage advice or to complete a mortgage application. From start to finish the service I received was second to none. Kirsty was so informative and provided me with all the information I needed and found me the best deal on the market for myself. The application process was so straight forward and I was kept updated regularly by Dionne on the progress of my application. In the future if I am looking for mortgage advice I wouldn't go elsewhere. Can't thank Kirsty and Dionne enough and can't wait to move into my new home

Stephanie L.

Oct 29, 2016 Report

I would definitely recommend First Mortgage - they made the process much more straightforward and did all the hard work and research so that I didn't have to! Michael and Debbie were always really helpful and answered any questions I had, and were really responsive to emails. Will definitely be back when I need to remortgage!

Barry O.

Oct 20, 2016 Report

I really couldn't rate firstmortgage.co.uk highly enough, they were excellent at helping with everyone. Michael and Debbie have guided me through my first property purchase making it easy and simple.

Stephi T.

Oct 19, 2016 Report

First mortgage was recommended to me and that is why I would like to pass on the life changing favour. The mortgage and protection advisor here, Neil did an incredible job finding me the very best option for my circumstances. He has helped me buy my first home and I could not be happier. Neil and Debbie delivered an outstanding service start to finish, which I am so grateful for. I would 100% recommend them and have already done to my friends and family.

Andrew M.

Oct 19, 2016 Report

We have now used First Mortgage twice and recommend them to anyone who will listen. From our first time mortgage to re-mortgaging and saving years off our term, the team are highly effective, keep you up to date at every turn and will get you the best deal the market can offer. Can't recommend them highly enough!