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Business Details
Expert Mortgage Advisers in Buckie & Moray
Established to provide expert mortgage advice and insurance solutions, Moneywise Mortgages has supported clients across the UK since its inception. With over 25 years of industry experience, our team specialises in guiding first-time buyers, remortgagers, and buy-to-let investors through complex financial decisions. We offer access to a comprehensive range of mortgage products, including fixed-rate, interest-only, and tracker mortgages, alongside tailored protection and insurance services. Our commitment to transparency ensures clients receive clear explanations of all processes, from property valuations to legal requirements.

As an appointed representative of PRIMIS Mortgage Network, we maintain strict adherence to Financial Conduct Authority (FCA) regulations, prioritising client interests at every stage. Our fee structure remains transparent, with charges payable only upon successful completion of transactions. By combining technical expertise with personalised service, we aim to simplify mortgage acquisition while maintaining the highest standards of professional conduct.
Services
First Time Buyer Mortgages Remortgaging Services Buy to Let Mortgages Fixed Rate Mortgages Tracker Mortgages Offset Mortgages Life Assurance Health Insurance Critical Illness Cover Income Protection
Highlights and features
  • We offer 25+ years of mortgage advisory experience in the UK market
  • Our FCA regulation ensures adherence to strict financial conduct standards
  • We provide comprehensive mortgage solutions from first-time purchases to buy-to-let portfolios
  • Our transparent fee structure includes no upfront charges
  • We maintain partnerships with leading UK mortgage lenders and insurance providers
Associations and certifications
  • Financial Conduct Authority (FCA)
What people say
Second to none Massive credit to you Personal touch Forever home Recommend without hesitation
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Services
First Time Buyer Mortgages
We specialise in guiding first-time property purchasers through the mortgage process. Our advisors help clients understand eligibility criteria, loan-to-value ratios, and government schemes. We provide access to exclusive deals unavailable through high-street banks, ensuring competitive rates for new buyers.
Remortgaging Services
Our remortgaging experts help homeowners secure better rates and terms. We analyse existing mortgage arrangements, calculate potential savings, and manage the transition process. We specialise in complex cases including early repayment charges and equity release scenarios.
Buy to Let Mortgages
We provide tailored financing solutions for property investors. Our services include portfolio management, tax-efficient structuring, and access to specialist lenders. We advise on yield calculations, deposit requirements, and regulatory compliance for rental property acquisitions.
Fixed Rate Mortgages
We offer fixed-rate mortgage products with terms from 2 to 15 years. Our advisors help clients determine optimal rate locks based on market forecasts and personal circumstances, providing payment certainty in fluctuating economic conditions.
Life Assurance
We provide comprehensive life cover solutions to protect mortgage obligations and family finances. Our offerings include level term, decreasing term, and family income benefit policies, tailored to individual protection requirements.
People
Lorraine Morrison
Owner
With over 25 years of mortgage industry experience, Lorraine leads Moneywise Mortgages' advisory team. Her expertise spans residential and commercial lending, with a focus on client education and transparent financial solutions.
Questions
What mortgage types do you offer?
We provide first-time buyer mortgages, remortgaging, buy-to-let, fixed-rate, tracker, and offset mortgages across the UK.
Are your services regulated?
Yes, we operate as an appointed representative of PRIMIS Mortgage Network, regulated by the Financial Conduct Authority (FCA).
What fees apply to your services?
Our standard fees range from £50 for rate switches to £997 for self-build mortgages, payable upon transaction completion.
How do you help first-time buyers?
We explain mortgage options, assist with affordability calculations, and access exclusive deals unavailable through direct lenders.
Can you assist with buy-to-let mortgages?
Yes, we specialise in investment property financing, offering portfolio management and tax-efficient structuring options.
What protection products do you offer?
We provide life assurance, critical illness cover, income protection, and private medical insurance to safeguard mortgage commitments.