Find expert mortgage advice

Our sister company Mortgage Scout gives you access to over 90 of the UK's top lenders and 12,000 mortgage products, allowing us to find the most suitable mortgage deal for you.

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90+

UK lenders available

12,000+

Mortgage products

98%

Application success rate

£0

Initial consultation fee

Discover the best mortgage products

Buying a property is probably the biggest purchase you'll ever make. Having the right mortgage product to suit your financial situation and future plans is essential.

Through our sister company Mortgage Scout, we have strong relationships with over 90 UK lenders. Our experienced mortgage advisors work with hundreds of clients, securing great mortgage deals and arranging the entire application process on your behalf – whether you're a first-time buyer, moving home, or remortgaging.

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Our buyers benefit from

We offer comprehensive support throughout your property journey with services tailored to your specific needs.

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Bespoke mortgage advice

Our partner company, Mortgage Scout, gives you access to 90 lenders and 12,000 mortgage products.

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Home Search account

Create a home search account and keep track of properties you like, book viewings and give feedback.

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Shared Ownership and new homes

Access shared ownership opportunities and new build developments. - Create a home search account and keep track of properties you like, book viewings and give feedback.

How much is your property worth?

Get an accurate valuation. Discover the true market value of your property with our expert valuation service.

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Why choose scottfraser for mortgage advice?

Over 5,000 clients have found their perfect mortgage through us.

Our Mortgage Scout advisors have extensive experience with all types of mortgages, from first-time buying to complex investments.

With relationships with over 90 lenders and 12,000 mortgage products, we can find options that high street banks often can't.

We handle the entire application process for you, from initial paperwork to completion, making your journey stress-free.

Our relationship doesn't end after your mortgage is approved—we're here for remortgaging, additional borrowing, and future moves.

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Recently sold properties

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Want to ask an expert?

Speak to one of our friendly agents for tailored advice.

4.6/5

rating from 1381 reviews

Google Reviews
We had such a positive experience buying our new home, and a huge thank you has to go to Owen for all his help throughout the process. From the very beginning, Owen was friendly, helpful and incredibly proactive. He kept us updated every step of the way, was always happy to answer our questions and regularly chased things up to keep everything moving. Having someone who communicated so well made such a difference, particularly towards the end when things became a little stressful! We really felt that Owen went above and beyond to help us get over the finish line. We’re so grateful for all his help and would absolutely recommend him to anyone buying or selling a home. Thank you, Owen, for helping us get the keys to our new home! 🏡🔑
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April Walshaw
1 day ago

Mortgage Advice FAQs

The right mortgage depends on your financial situation, future plans, and attitude to risk. Factors to consider include fixed vs. variable rates, term length, and whether you need flexibility for overpayments or payment holidays. Our Mortgage Scout advisors assess your circumstances and preferences to recommend the most suitable options.

Typically, you'll need proof of ID, address history for the last three years, three months of bank statements, proof of income (payslips, tax returns for self-employed), details of existing debts, and information about the property. Mortgage Scout will provide a comprehensive checklist tailored to your situation.

Most lenders calculate your maximum borrowing as 4.5-5 times your annual income, though this can vary based on your credit score, existing commitments, and the lender's criteria. Our partners at Mortgage Scout can provide a personalized affordability assessment and help you secure the best possible terms.

The process typically takes 4-6 weeks from application to offer, though this can vary depending on the lender and the complexity of your circumstances. Having your documentation prepared in advance can help streamline the process, and Mortgage Scout will guide you through each step.

An agreement in principle is an indication from a lender about how much they might be willing to lend, based on basic information. It's not a guarantee. A formal mortgage offer comes after the full application process, including credit checks and property valuation, and represents a legally binding offer of a loan.