Business Details
Your Trusted Mortgage Advisor in Edinburgh
Established as a trusted mortgage advisory service in Edinburgh, First Class Mortgage Advice has been providing independent financial guidance for over two decades. Our team of certified mortgage advisors specialises in navigating the complex UK mortgage market to secure optimal solutions for clients across Scotland and beyond. With access to over 9,000 mortgage products including exclusive deals unavailable on the high street, we offer tailored advice for first-time buyers, home movers, and property investors. Our FCA-authorised status ensures compliance with strict regulatory standards while our partnerships with major UK banks and building societies enable comprehensive market coverage.We maintain transparent operations through collaboration with The Law Society of Scotland and England, delivering consistent service quality through dedicated advisors who support clients from initial consultation to completion. Our fee-free advisory model removes financial barriers to expert guidance, supported by a reputation built on successful mortgage placements and client-centric service delivery.
Services
Mortgage Advice
Remortgaging
Buy-to-Let Mortgages
95% Mortgages
Mortgage Insurance
Highlights and features
- We offer free, expert mortgage advice with no hidden fees
- We have access to 9,000+ mortgage deals including exclusive products
- Our advisors provide personal service from initial consultation to completion
- We partner with major UK banks and building societies
- Our FCA-authorised status ensures regulatory compliance and client protection
Associations and certifications
- Financial Conduct Authority
- The Law Society of Scotland
- The Law Society of England
Services
Mortgage Advice
Our independent mortgage advisors provide expert guidance on residential mortgage products. We assess clients' financial circumstances to recommend suitable mortgage solutions from our panel of 9,000+ lenders. Our FCA-authorised advisors explain complex mortgage terms in plain language while considering clients' long-term financial goals. We maintain partnerships with major UK banks to ensure competitive rate access.
Remortgaging
We help homeowners secure better mortgage terms through remortgaging. Our advisors analyse current mortgage arrangements to identify potential savings. We consider exit fees, new mortgage costs, and long-term financial benefits when recommending remortgage options. Our service includes assistance with legal transfers and survey arrangements to simplify the process.
Buy-to-Let Mortgages
Our specialist buy-to-let advisors help property investors secure financing for rental properties. We explain the higher deposit requirements and interest rate structures associated with investment mortgages. We work with lenders offering portfolio management solutions and provide guidance on tax implications and regulatory requirements for landlords.
95% Mortgages
We assist first-time buyers with minimal deposits through 95% mortgage solutions. Our advisors explain the eligibility criteria and credit requirements for low-deposit mortgages. We help clients understand the additional insurance requirements and interest rate implications associated with these products. We maintain relationships with lenders offering government-backed mortgage schemes.
Mortgage Insurance
We provide comprehensive mortgage insurance solutions including life cover and income protection. Our advisors explain different policy terms to ensure adequate coverage against unforeseen circumstances. We help clients understand the relationship between insurance premiums and mortgage terms. We work with major insurance providers to secure competitive rates for our clients.
Questions
Do you charge fees for mortgage advice?
No, our mortgage advisory services are completely free with no hidden charges or commissions.
Can you help with bad credit mortgages?
Yes, we specialise in finding mortgage solutions for clients with adverse credit histories.
What areas do you cover?
While based in Edinburgh, we provide mortgage advice to clients across Central Scotland and Lothian.
Are you regulated by financial authorities?
Yes, we are authorised and regulated by the Financial Conduct Authority (FCA).
Can you help with buy-to-let mortgages?
Yes, we offer specialist buy-to-let mortgage advice including portfolio management solutions.
Do you offer insurance products?
Yes, we provide mortgage-related insurance including life cover and income protection.
Reviews (4)
Irene Winters
Jun 25, 2021
Report
I couldn't recommend Paul more. He's very knowledgeable and puts you at ease. Has a can do plan for even the most difficult mortgage.
Allan White
Apr 17, 2020
Report
Absolutely as it says on the tin, "First class mortgage advice" from Mr Homan. I'd highly recommend anyone looking for the best advice in the City to contact Paul.
John Mcdonald
Dec 01, 2018
Report
Great advice! Was made very easy and stress free. Would advise to anyone looking to get on a better rate or first time buyer!
Kevin Homan
May 30, 2015
Report
I found everything was explained to me in a way I could understand and make informed decisions. Friendly and approachable people with a real interest in doing the best they can for me.
