ESPC Mortgages


A great mortgage service to all those in need of independent financial advice. All you need is ESPC!

How ESPC Mortgages can help |  What is a mortgage |  Jargon buster |  Useful articles

Mortgage site cover image 887 x 300 new

What is a mortgage?

You might be wondering though, just what is a mortgage? Well, a mortgage is essentially a loan that is secured against a property to enable you to purchase a home. You need to make repayments to the lender usually on a monthly basis to pay back both the balance of the mortgage and interest of the loan.

The monthly repayments are worked out at the start of the mortgage and agreed for a set term. At the end of the term, provided all the payments are made on time, you will own the property outright.

Whether you are a first time buyer, buying a new home or are simply looking to remortgage, the thought of getting a mortgage can be baffling and daunting. But our team at ESPC Mortgages are here to help!

How ESPC Mortgages can help

The mortgage market can be a pretty complicated place. To ensure that you get the best deal it is important to do your research. The quickest and easiest way to do this is to get someone else to do it for you!

We have a detailed knowledge of the mortgage market and can access mortgage deals from a variety of lenders. We know the lenders criteria well so can find the mortgage company to best suit you quickly.

As independent mortgage brokers, ESPC Mortgages can help with:

  • Understanding your budget
  • Providing impartial advice on getting a mortgage
  • Applying for a mortgage
  • Arranging relevant property and personal insurance requirements.

But don’t just take our word for it. Find out what some of our customers have to say.

Meet the team

ESPC Mortgages team

Brian McCarthy - /07956 969 859
David Lauder - / 07810 522 422
Paul Demarco - / 07778 066 595
Peter McGregor - / 07884 185 576


Get in touch

For help with any mortgage related enquiry give us a call on 0131 253 2920, email at or visit us at the ESPC Property Information Centre at 107 George Street, Edinburgh, EH2 3ES.

Useful help and advice

Articles and advice

Check out the ESPC Mortgage blog which is packed full of useful information and advice.

Useful info

Free events

Come along to one of our free events where you can meet experts to talk you through all aspects of getting a mortgage and buying a home.

Free events

Ask the experts

Pop in and speak with us! We are in the ESPC showroom on George Street, Edinburgh six days a week and we are always ready to talk about all things mortgage related.

Ask the experts

Mortgage calculator

Work out how much you can afford to borrow or what your monthly repayments will be.

Mortgage calculator



The initial consultation with an adviser is free and without obligation. Thereafter, ESPC Mortgages charges for mortgage advice are usually £350 (£295 for first-time buyers). YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOANS SECURED AGAINST IT.

Where reference is made to Independent and/or Individual advice, this will be provided by ESPC Mortgages which is a trading style of ESPC (UK) Ltd. ESPC (UK) Ltd is a wholly owned subsidiary of Edinburgh Solicitors Property Centre Limited and is an Appointed Representative of Lyncombe Consultants Limited which is Authorised and Regulated by the Financial Conduct Authority.

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at