Mortgages
Find Your Perfect Mortgage with Best Mortgage Direct.
Expert mortgage advice tailored to your unique circumstances. We search the whole market to find you the best deals, saving you time, money, and stress. Whether you’re a first-time buyer, moving home, remortgaging, or investing in property, we have the expertise to guide you through every step of the process.
Why Choose Best Mortgage Direct?
Whole Market Access – We’re not tied to specific lenders, meaning we find the best mortgage deals across the entire market
Exclusive Rates – Access broker-only deals not available directly from high street lenders.
Personalised Service – Tailored advice based on your unique financial situation
End-to-End Support – Guidance from initial consultation through to completion
No Upfront Fees – We only charge when your mortgage completes successfully
We were first time buyers, so had little knowledge of the mortgage process. Damon and his team were encouraging and reassuring throughout the entire journey, and even beyond it! Always willing to go the extra mile and liaise with us on any questions or topics we wanted to discuss. They have fountains of knowledge about the property industry, which was well tested in this outing!
Couldn’t be happier with our experience and was great to support a local business who really care about their clients. Will only be using them going forward!
Could not get a better team to work with.
Highly recommend the services of what is Best Mortgage Direct.
His communication was excellent — he explained every option clearly, kept me updated throughout the process, and was always quick to respond to my questions. Most importantly, he genuinely cared about helping me achieve my goal, going above and beyond to make it happen.
If you’re taking on a complicated project and need someone who truly knows their stuff, Guy is the mortgage advisor you want in your corner.
A
Would highly recommend due to the efficiency and eagerness to provide as much assistance as possible.
I would recommend.
First-Time Buyers
Taking your first step onto the property ladder can feel overwhelming. Our expert advisers specialise in helping first-time buyers navigate the process with confidence.
We’ll explain everything in plain English, help you understand what you can afford, and find mortgage products specifically designed for first-time buyers, including those with smaller deposits.
How We Help First-Time Buyers :
Remortgaging
When your current mortgage deal comes to an end, considering a remortgage could save you thousands of pounds. Our advisers will review your current mortgage, search the market for better deals, and handle the switching process.
Why Remortgage?
How We Work
1. Initial Consultation (Free, No Obligation)
We’ll discuss your requirements, review your financial situation, and explain how we can help. This can be done in person, over the phone, or via video call.
2. Research and Recommendation
We’ll search the whole market to find the most suitable mortgage products for your circumstances, then present you with clear, jargon-free recommendations.
3. Application and Submission
Once you’ve chosen a mortgage product, we’ll complete all the paperwork and submit your application to the lender, ensuring everything is presented perfectly.
4. Case Management
We’ll liaise with the lender, estate agents, and solicitors throughout the process, keeping you updated and dealing with any queries that arise.
5. Completion
We’ll ensure everything proceeds smoothly through to completion, so you can move into your new home or complete your remortgage with minimal stress.
6. Ongoing Support
Our relationship doesn’t end when your mortgage completes. We’ll stay in touch and contact you when it’s time to review your deal.
Frequently Asked Questions
How much can I borrow?
The amount you can borrow depends on several factors, including your income, outgoings, credit history, and the size of your deposit. As a rule, most lenders will offer between 4-4.5 times your annual income, but this can vary. During our initial consultation, we’ll provide a more accurate assessment of your borrowing capacity.
Do I need a big deposit?
While having a larger deposit (20% or more) will give you access to better interest rates, there are mortgage products available for those with smaller deposits. Currently, many lenders offer 90% and 95% mortgages, meaning you need just a 5-10% deposit. There are also government schemes like Help to Buy and Shared Ownership that can help those with smaller deposits.
Why use a mortgage broker instead of going directly to my bank?
Unlike your bank, who can only offer their own products, we have access to the whole market. This means we can find you the most competitive deals from hundreds of lenders. We also handle all the paperwork, liaise with all parties, and have specialist knowledge of lender criteria – often helping clients who have been rejected when applying directly.
How long does the mortgage process take?
On average, the mortgage process takes 4-6 weeks from application to offer, though this can vary depending on the complexity of your case and the lender’s current processing times. The entire home buying process typically takes 2-3 months from having an offer accepted to completion.
Can you help if I have bad credit?
Yes, we specialise in finding solutions for clients with less-than-perfect credit histories. While adverse credit can limit your options, there are specialist lenders who consider applications from those with CCJs, defaults, or even past bankruptcies. The key is matching you with the right lender for your specific circumstances.
Working with Best Mortgage Direct
We offer help to make your house purchase, as fast, simple and stress free as possible. Once we find you the most suitable mortgage for your needs we will follow your journey from start to finish to give you help and information and advice at crucial stages of your move.
We help you every step of the way, after all we have been helping customers like you for over 25 years. Best Mortgage Direct also set each client with their own client portal where they can follow the progress of their mortgage in real time, upload documents and leave messages.
We can do evening and weekend appointments to suit you, so please call us now on 0131 463 5678 or simply use our quick contact form and one of our team will be in touch – We look forward to hearing from you.