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Mortgage Brokers Scotland

Deedle Finance can help you find the best mortgage deals in Scotland. We work hard to understand your needs and find you affordable local deals at competitive rates.

Whether you are based in Edinburgh, Glasgow, Aberdeen or anywhere else in Scotland, our advisers can get you the best mortgages. We are determined to help you secure your property as soon as possible!


Begin Your Mortgage Journey In Scotland

How To Get A Mortgage in Scotland

Step 1
Complete Deedle's Form
Enter key details on our online form including your name, date of birth, contact information and requirements.
Step 2
Receive A Callback
After submitting the form, our team will reach out to you with a callback. Our skilled experts will be there to assist you every step of the way with guidance and support
Step 3
Check If You Qualify
Our advisors will ask you for important information which plays a crucial role in determining your borrowing capacity and finding the most suitable interest rates for you.
Step 4
Receive Your Mortgage
Once we have found a loan to suit your borrowing requirements, our advisers can submit your mortgage application and help you purchase a property ASAP!
Are Mortgage Brokers Regulated in Scotland?

Are Mortgage Brokers Regulated in Scotland?

Yes, mortgage brokers in Scotland are regulated by the Financial Conduct Authority (FCA). The FCA sets rules and standards to ensure that mortgage brokers act in the best interests of their clients and maintain ethical practices.

Brokers must be registered with the FCA and follow its guidelines, which include providing clear and fair advice, handling customer complaints, and maintaining proper professional indemnity insurance.

How Long Does the Mortgage Process Take in Scotland?

On average, it can take between 6 to 8 weeks from the initial consultation with a mortgage broker to receiving a mortgage offer from a lender. The timeline may be longer if there are additional complexities involved or delays in providing required documentation.

To simplify the process and make sure it goes as quickly as possible, Deedle will find you the best quote and even handle your paperwork. Simply fill in our quick form and we can guide you through the mortgage process for free.

How Long Does the Mortgage Process Take in Scotland?

Difference Between the Scottish and English Mortgage Markets

Buying a house in Scotland can be slightly quicker on average than in England or Wales. From the point of having an offer accepted you can expect the process to take around 6-8 weeks. Here are some other factors to consider…

Key Differences

Scottish Mortgage Market

English Mortgage Market

Legal System Governed by Scottish laws Governed by English laws
Home Reports Seller provides home report No legal requirement for home reports
Land Registration Land Register and Sasine Register Land Registry
Property Taxes Land and Buildings Transaction Tax (LBTT) Stamp Duty Land Tax (SDLT)

Get The Best Rates For Scottish Mortgages

Why Should I Get A Mortgage in Scotland Through Deedle?

At Deedle, our dedicated team of mortgage advisors is here to offer unlimited support throughout the entire mortgage process. From the initial consultation to the completion of your mortgage, we will provide guidance and assistance at every step.

Drawing on our extensive experience in the Scottish mortgage market, we search through thousands of mortgage deals to find the one that best matches your specific circumstances and requirements. Our goal is to make the process as smooth as possible for you. We take care of all the necessary paperwork, handle communication with lenders on your behalf, and ensure a seamless experience.

Whether you have a poor credit history, are self-employed, or are in retirement, our team of experts specialises in finding mortgages that suit a wide range of needs.

Where Can I Get a Mortgage Broker in Scotland?

Deedle can help you get a mortgage from anywhere in Scotland. Locations include:










East Kilbride












Find The Cheapest Mortgage Deals In Scotland

Can Foreign Residents Buy Property in Scotland?

Yes, there are no restrictions on non-UK residents purchasing residential or commercial properties in Scotland. However, additional considerations such as visa requirements and currency exchange, may apply. Deedle can provide guidance on the specific requirements and assist you in obtaining a mortgage as a foreign buyer.

Can a Mortgage Broker Help Me With Currency Exchange When Purchasing a Property in Scotland?

Yes! We can help you access competitive exchange rates and navigate the currency exchange process when transferring funds for your property purchase. This can potentially save you money and ensure a smoother transaction.

Frequently Asked Questions About Scottish Mortgages

Are There Any Legal or Tax Considerations for Buying Property in Scotland?

Yes, buyers should be aware of:

  • Land and Buildings Transaction Tax (LBTT): Similar to Stamp Duty in England, LBTT is a tax payable on property purchases above a certain threshold.
  • Legal representation: If you choose to work with a solicitor experienced in Scottish property law to handle the legal aspects of the purchase and ensure compliance with all legal requirements.

Can I Switch My Mortgage to a Different Lender in Scotland?

Yes, you can switch your mortgage to a different lender in Scotland. This process is known as remortgaging.

Are There Any Government Schemes or Programs in Scotland to Assist First-Time Buyers With Getting a Mortgage?

Yes, there are government schemes and programs in Scotland designed to assist first-time buyers with getting a mortgage. One popular example is Help to Buy (Scotland).

Can I Make Overpayments on My Mortgage in Scotland?

Yes, many mortgages in Scotland allow for overpayments. Overpayments are additional payments made towards your mortgage principal, which can help you pay off your mortgage faster and potentially save on interest costs.

Can I Get a Mortgage if I Have a Poor Credit History in Scotland?

Yes, you can get a mortgage in Scotland even if you have bad credit. Deedle works with people of all credit scores, even if you have weak credit history. We will keep it in mind and find you the best deals possible. One option is to get a mortgage with a guarantor.