Malleny Mortgage Solutions
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Malleny Mortgage Solutions Malleny Mortgage Solutions is an independent, whole of market mortgage and protection broker based in Edinburgh with mortgage advisers through central Scotland serving clients across Scotland and the UK. Our professional, qualified mortgage advisers will guide you through the mortgage process and minimise the stress and hassle for you. You can benefit from face to face advice tailored to your needs, and a first class service to help you achieve your financial goals.

Support from application to completion, helping to make your mortgage as easy as possible. Malleny Ltd is Registered in Scotland. Company Number SC325695. Registered Office address: Suite 411, Baltic Chamber, 50 Wellington Street, Glasgow, G2 6HJ. The guidance and or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted to customers in the UK.

If you wish to register a complaint, please write to contact@mallenymortgagesolutions.com or telephone 01313 444 301.
Highlights

read more › Malleny Mortgage Solutions specialise in providing the very best in mortgage and insurance. If you talk to your bank - they can only advise you on their own products and one size doesn't fit all. Because we are independent, we are able to search the whole of market giving us access to over 100 lenders and over 1,200 mortgage products. That means more choice and more options to find a deal that works for your particular circumstances - whether you are a first time buyer, re-mortgaging, a home mover, buy-to-let, professional landlord, ex-pat or seeking bridging finance.

read more › Gregor is the company principal and specialises in complex mortgage solutions, bridging, equity release, commercial finance and helping clients to protect not only themselves but also their families, homes and businesses. When out of the office, Gregor loves being in the mountains with his mad spaniel or in his garden. Nicola has worked in financial services her whole career, having worked for Nationwide and Skipton before becoming independent and whole of market mortgage adviser. Her clients benefit from the breadth and depth of her experience in mortgage, equity release and insurance.

read more › At Malleny Mortgage Solutions, we believe getting your mortgage should be a straightforward and stress-free process. Our goal is to simplify your mortgage application experience, whether you are a first time buyer, or someone who's already had a mortgage. As well as making it a smooth process, we aim to find you a mortgage that fits your individual needs. Being independent and whole of market, we have access to over 150 different lenders providing over 15,000 different deals so you can be confident that we will get you a great rate.

read more › Public liability, professional indemnity, fleet insurance, buildings insurance, plant and tools, working at heights, and many many other types of insurance. Whether you are a sole trader, SME, large company or have an expanding property portfolio, we can arrange cover to suit all requirements. And our service doesn't end there; we are always on hand to give advice as your business grows and should the worst happen, we are always available to make sure the claims process goes as smoothly as possible.

read more › Talk directly to a named mortgage broker who can answer your questions and help you through the process. Our mortgage adviser will chat over your circumstances and your plans for the next few years to get the mortgage that best fits your needs. Make sure you get the best deal by providing advice about the rates and products that are best for you. Chatting to you about how you want to protect your new home, new mortgage, yourself, your family and then providing solutions for you to choose from. Contacting you when your mortgage deal is finishing to help you get the best mortgage deal next time.

read more › Bridging finance has become more mainstream and competitive resulting in more customers taking it up. Once upon a time, bridging finance used to be something people only took out as a very last resort as it was considered very expensive. But nowadays lenders offer a wide range of bridging products to cater for almost any scenario that requires short term property backed finance. There is a wider choice of lenders and with increased competition, bridging rates have come down and can now be seen as an attractive alternative in the short term.

read more › The demand for rental property is still strong in many parts of the country, especially Edinburgh. However, buy to let mortgages can be harder to secure now than in previous years, with lenders requiring larger deposits of around 25% of a rental property's value in return for a buy to let mortgage (the best deals are available for buyers who have a deposit of 40% or more). Also, recent changes in legislation means that you will be paying a higher rate of stamp duty for an investment property. When you apply for a buy to let mortgage, the amount a lender will be willing to offer will depend on the property's rental yield.

read more › Edinburgh is now Europe's leading destination for Air B&B so there is a big demand for this type of property locally. This is a specialist type of lending which is separate from traditional buy to let or holiday let mortgages. Being independent and whole of market mortgage brokers, we have access to these lenders and can advise on which mortgage is best suited to your needs. Malleny Ltd is Registered in Scotland. Company Number SC325695. Registered Office address: Suite 411, Baltic Chamber, 50 Wellington Street, Glasgow, G2 6HJ.

read more › Tax changes mean that people planning to buy more than a few buy to lets may want to do so via a Ltd Co. The additional complexity of a Ltd Co mortgage means that it is important to get the best advice. We have many years experience of this type of mortgage. There are two broad types of lending - individual mortgages per property, or a portfolio lending facility. We can help with both. Call us now to chat through your options. Malleny Ltd is Registered in Scotland. Company Number SC325695. Registered Office address: Suite 411, Baltic Chamber, 50 Wellington Street, Glasgow, G2 6HJ.

read more › Later Life Lending is a specialist area with three main options. The benefit of coming to an independent broker like us is that we will look at all three to work out which is best for you. If you go to an equity release specialist then you will only get equity release. That may not be the best option for you. A normal mortgage supported by income whether that be employed, self-employed or pensions etc. This type of mortgage is available on an Interest Only basis (if criteria are met) but affordability is assessed on a repayment basis so this may not be affordable for everyone.

read more › Malleny Mortgage Solutions regularly help UK expats from across the globe to purchase or refinance UK property for family use or buy to let. If you are considering buying a property in the UK, or would like to release equity from a property you already own, talk to us for independent advice about your options. We make sure we understand your personal requirements and gather as much information as we can before searching the whole expat mortgage market. We are independent and whole of market so we can help you to get the best deal as we will normally have access to expat mortgage products which you cannot access directly.

read more › Not all mortgages are the same. If you go to your bank they can only talk to you about their own mortgage range so there may be a choice of approx. But as impartial, independent whole of market brokers we have access to around 1200 deals from over 100 lenders. That gives us much more choice and flexibility to get the best deal for your first home! And as a small company we work hard to give you great service throughout and ensure that you get the keys to your first home as stress free as possible.

read more › The first meeting you have with us is to discuss what you are looking to do - whether it is a new purchase/re-mortgage/capital raise/BTL/lifetime mortgage or commercial finance. We will assess your current work and financial situation to source the most suitable lender and mortgage to meet your needs and circumstances. Proof of address for each applicant (e.g. a printed bank statement or utility bill less than 3 months old or card driving licence* or your latest council tax bill). Proof of income (Last P60 and last 3 month's payslips if employed or last 2 years accounts, SA302 and tax year overview if self-employed).

read more › We will help reduce the stress of buying your first home. A good starting point is to understand the process for a typical first time buyer. Buying your first home can seem like a daunting process, especially if you're unfamiliar with the process. Come in and have a chat with us about what you're looking to do. Make sure you have everything you need with you for the meeting by reading our 'Be prepared' guide. We will then carry out thorough research across all the lenders (more than 100) in order to find you the best deal for your situation.

read more › First Home Fund Scheme is a Shared Equity Scheme that the Scottish Government created. This 150 million pot will provide first-time buyers with up to 25,000 towards the purchase of a home or 49% of their purchase price, whichever is lower. Shared equity means the Scottish Government will keep a financial stake in the property so you do not have to fund all of it. You will own the property outright but the Scottish Government will have security over the percentage provided. There are many lenders that will not lend in conjunction with the First Home Fund Scheme.

read more › You've decided to move. When you find the right property though, finding the right mortgage and arranging it quickly is essential. Have you outgrown your home, or your circumstances require you to move. Let us help take the stress out of the mortgage side to enable you to focus on the other logistics of buying and selling. Malleny Mortgage Solutions are independent, whole of market mortgage advisers with well established relationships to principal UK lenders. We can access all currently available mortgages including exclusive deals that aren't accessible to the general public.

read more › Your current deal is about to end and you want to see if you can save money by switching mortgage lenders? Want to discover if you can borrow more from your lender? Talk to us!. Many people choose to re-mortgage at the end of a fixed rate tie-in period or at the end of a special deal. If you do not re-mortgage then you will revert to your lenders standard variable rate, which is normally much higher than the rate you were previously on during your deal period. It may suit some borrowers to revert to a standard rate with no tie-ins, for example if you are thinking of moving home in the near future, or perhaps aren't sure of your shorter term plans.

read more › Whether you're looking to build a dream home for you and your family from scratch, work on converting a property or if you plan to build a new property to sell on once completed- understanding the type of finance you'll need is vital. Self-build mortgages work a little differently to a traditional residential mortgage. For a self-build mortgage, the loan is released in stages as the build progresses rather than in one large payment. Most lenders will lend a maximum of 75-80% of the total land and build costs subject to an affordability assessment.

read more › The law on workplace pensions has changed - all UK businesses, who employ at least one member of staff, must now put a workplace pension scheme in place - and contribute towards it. The auto-enrolment process is highly complex. Firms will need to implement a scheme by a particular date, called their "staging date" which is determined by their payroll size in 2012. To do this, you need to assess which employees will need to be enrolled in the scheme and this is based on employees' ages, wages and opt in or opt out choices.

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