4 of the best mortgage brokers in Edinburgh

• Regulation and Qualifications: Selection is restricted to brokers authorised by the Financial Conduct Authority (FCA) holding recognised professional qualifications, ensuring reliable advice.

• Market Access: Priority is given to independent firms capable of searching the entire market rather than a restricted panel of lenders.

• Fees and Charges: Fee structures and compensation models (lender commissions or fixed advisor fees) are assessed to ensure transparency.

• Communication: Responsiveness and clarity are key metrics, ensuring clients are guided smoothly through every stage of the mortgage application.

Navigating the Scottish property purchasing system requires specialised advice, from managing home reports to coordinating with solicitors. A professional mortgage broker provides the necessary expertise to secure competitive lending rates.

To assist in selecting the right firm, the top mortgage brokers in Edinburgh have been reviewed, evaluating their market access, pricing structures, and client satisfaction.

How much do mortgage brokers charge for their services in Edinburgh?

Most mortgage brokers in Edinburgh do not charge clients directly and instead earn a commission from the lender. Where broker fees apply, they typically range from £300 to £600, or up to £1,000 for complex cases, depending on complexity.

1. First Mortgage

Phone: +44 131 220 6205 Business hours:

• Monday to Saturday: 9 am to 5:30 pm
• Sunday: Closed

Website

First Mortgage is highly regarded, particularly for first-time buyers. The service is free of charge for clients, with advisory fees covered directly by the lenders.

Compared to brokers operating on fee-paying structures, this model can represent a saving of hundreds of pounds.

The firm searches a vast database of over 10,000 mortgage products from more than 100 lenders. A selection of these deals is exclusive to the broker, offering clients a broader range of options.

Beyond identifying competitive monthly payments, the advisors tailor options to fit complex financial circumstances.

The "Best in Market" £500 guarantee highlights the firm's confidence in securing competitive rates.

Process management is a key strength. The team handles administrative paperwork, liaises with lenders, and provides regular progress updates.

Due to high demand, securing an appointment can require advance booking, which may affect those requiring immediate advice.

They made the whole experience way less stressful than I expected

“I had such a great experience working with Kathryn and Sean on our mortgage. They were both super friendly, easy to talk to, and incredibly helpful throughout the whole process. They were always patient and quick to respond. They made the whole experience way less stressful than I expected. I felt really looked after from start to finish, and they genuinely cared about finding the best option for me. I’d definitely recommend them to anyone needing mortgage advice. Thank you, Kathryn & Sean”

Megan Kempton, Google review

Everything was progressed promptly following our requests

“Sean and Kathryn were a great help when my partner and I recently reached out to First Mortgages. Nothing was too much hassle, and everything was progressed promptly following our requests. Sean took time to explain all the relevant information to us during our calls. Would recommend.”

Callum Frasser, Google review

2. Malleny Mortgage Solutions

Phone: +44 131 344 4301 Business hours:

• Monday to Friday: 9 am to 5 pm
• Saturday to Sunday: Closed

Website

Malleny Mortgage Solutions operates independently, accessing over 15,000 mortgage products from a wide range of providers.

This extensive access enables the firm to find options for clients with non-standard requirements, including first-time buyers, self-employed individuals with variable incomes, and international buyers.

Client reviews highlight the team's ability to put customers at ease, explaining complex terms in clear, accessible language.

Advisors routinely manage complex applications, including cases involving new employment contracts and foreign nationals, handling the administration behind the scenes while keeping clients updated.

The service combines technical expertise with a patient, client-focused approach.

However, isolated feedback notes instances of delayed responses to initial enquiries, though this is atypical.

Everything was explained in such understandable terms

“As a first-time buyer, I felt like a complete rookie in my approach to the property ladder. Getting in touch with the team at Malleny Mortgage Solutions could not have been a better first step. From the get-go and throughout, I was made to feel at ease in the situation and supported through every hurdle. Everything was explained in such understandable terms, and I was reassured time and again that no question was a silly question. The biggest appreciation to Karen, who is an absolute legend! Many thanks for your guidance and patience. Cannot recommend enough the quality service that Malleny Mortgage Solutions has to offer. Thank you!”

Christy Barbour, Google review

The team at Malleny were absolutely fantastic with us

“The team at Malleny were absolutely fantastic with us. We were buying our first home, and everything was so seamless. Made it easy! Thank you to Gabby and Gregor for everything! I would a million per cent recommend. True professionals.”

Shaun Maclean, Google review

3. Get Mortgage

Phone: +44 7538 190093 Business hours:

• By appointment only

Website

Get Mortgage is noted by clients for its clear communication and approachable advisory team.

Questions are resolved promptly, with complex terms explained in straightforward language.

A distinctive feature of the service is the bilingual advice offered in both English and Polish, serving Edinburgh's Polish community.

The advisory process is highly personalised, focusing on tailored solutions rather than generic packages.

The team also assists with administrative paperwork and provides solicitor recommendations, offering comprehensive support throughout the purchase.

While fee structures are higher than those of some competitors, client satisfaction remains consistently high.

Highly competent throughout every stage of the process

“Extremely well-informed and highly competent throughout every stage of the process. From the very beginning, we received clear, reliable information and support tailored to our needs. The service was outstanding - always available, quick to respond, and excellent at explaining each step and clearing up any doubts. Thanks to them, the whole mortgage process felt smooth and stress-free. I truly recommend them to anyone looking for a professional and trustworthy mortgage advisor.”

Daniel Najdrowski, Google review

These guys are outstanding at what they do

“My wife and I had a fantastic experience working with Piotr and the team at Get Mortgage. He was incredibly quick, professional, and made the mortgage process very clear and easy. From start to finish, he was responsive and kept great communication with us both. He was always one step ahead in handling everything efficiently. There is no need to look anywhere else; these guys are outstanding at what they do. Again, a huge thank you, Piotr, from both Lizanne and me.”

Peter Turner, Google review

4. New Town Mortgages

Phone: +44 131 629 1950 Business hours:

• Monday: 9 am to 5 pm
• Tuesday to Thursday: 9 am to 6 pm
• Friday: 9 am to 1 pm
• Saturday to Sunday: Closed

Website

New Town Mortgages is an independent brokerage, meaning recommendations are not restricted to specific lenders.

The firm scans the entire market to identify competitive deals tailored to each client's specific requirements.

A high rate of repeat business demonstrates strong client loyalty and ongoing satisfaction.

The advisory team is known for its patient approach, clear explanations of the mortgage journey, and accessibility.

Case histories include managing last-minute mortgage changes for first-time buyers without incurring additional fees.

Meetings can be conducted in person, by telephone, or via video conference to suit client preferences.

However, as a small team of three, response times may occasionally be longer during peak periods.

On each occasion, he and his team have been brilliant

“I have worked with Chris and his team several times. On each occasion, he and his team have been brilliant. From being patient with us while we work through the process, providing advice, explaining what is meant to happen when, and providing great quotes for mortgages and associated insurance. Really helpful. I will continue to use Chris and his team.”

Gavin McBurnie, Google review

Very knowledgeable and takes all the hassle out of the process

“I’ve been going back to Chris for mortgage advice for the last 10 or 15 years. He’s very knowledgeable and takes all the hassle out of the process. The process feels very personal and bespoke as he takes the time to really understand my needs and find the mortgage that suits me. I’ve only had incredibly professional and positive experiences every time I’ve remortgaged.”

Joe Atherton, Google review

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