Lost in a mortgage maze and in need of trustworthy independent financial advice? 

Mortgage calculator | Paperwork checklist | Jargon buster | First time buyers | How to get a mortgage

Whether you're a first time buyer, looking to move home or interested in becoming a buy-to-let investor, ESPC Mortgages are here to help you clearly understand the mortgage market and ensure that you get the best deal.

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Our mortgage team will use their expert knowledge to your advantage. As independent mortgage brokers, we have a detailed knowledge of the mortgage market and can access suitable mortgage deals from a variety of trusted lenders to quickly make your dream home a reality.

ESPC Mortgages can help you with:

- Understanding your budget 

- Providing impartial advice on getting a mortgage 

- Applying for a mortgage 

- Arranging relevant property and personal insurance requirements

Simply, a mortgage is a loan that is secured against a property to enable you to purchase a home. Your chosen lender will typically request monthly repayments from you to pay back both the balance of the mortgage and interest of the loan. Your monthly repayments are agreed at the start of your mortgage for a set term but may vary as interest rates can increase or decrease. So long as all your property payments are paid on time, by the end of your term, you will fully own the property.

One of the easiest ways to work out how much you can afford to borrow or what your monthly repayments will be is by using our handy ESPC Mortgage Calculator.

Understand what the mortgage lenders will check from you during the application process with our convenient mortgage paperwork checklist

Pop along to our ESPC Property Information Centre on George Street, Edinburgh and meet our dedicated team keen to chat about all things mortgage related and how to take that first step into the mortgage market.

ESPC Mortgages team

Murray Souter - murray.souter@espcmortgages.com /07734 866 411

David Lauder - david.lauder@espcmortgages.com / 07810 522 422

Peter McGregor - peter.mcgregor@espcmortgages.com / 07884 185 576

Paul Demarco - paul.demarco@espcmortgages.com / 07778 066 595

Articles and advice

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


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.


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.


Mortgage calculator

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




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

If you are an existing client of ESPC Mortgages and would like help with remortgaging or anything else then get in touch! Give us a call on 0131 253 2920 or email us at fsenquiries@espc.com. Or visit us at the ESPC Property Information Centre at 107 George Street, Edinburgh, EH2 3DS.

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 www.financial-ombudsman.org.uk