The 5 best mortgage brokers in Edinburgh to guide you through the process
Buying a new home is one of those moments where you think, “Okay, I’m officially an adult now,” and it’s true. And while that’s exciting, there’s no doubt the process can be a bit overwhelming.
That’s where a mortgage broker comes in. Getting one doesn’t make you any less capable—it’s actually a smart move. They take care of all the tricky details so you can focus on the bigger picture.
If you’re thinking about it, here are some of the best mortgage brokers we found in Edinburgh.
How much do mortgage brokers charge for their services in Edinburgh?
Most mortgage brokers in Edinburgh don’t charge clients directly and instead earn commission from the lender. Others may charge a flat fee of around £300–£600, or in some cases up to about £1,000, depending on complexity.
1. First Mortgage
Address: 30 Walker St
Phone: +44 131 220 6205
Business hours:
- Monday to Saturday: 9 AM – 5:30 PM
- Sunday: Closed
If you’re a first-time buyer, we’ve heard a lot of great reviews about First Mortgage. Their service is completely free for clients, with all fees covered by lenders.
Compared to many brokers who charge a lot, choosing them can save you hundreds.
From what we’ve heard, they search through a huge range of options, with over 10,000 mortgage products from more than 100 lenders. Some of these deals aren’t even available elsewhere, so the client has that power of choice.
It’s not just about choosing the cheapest monthly payment too. They even tailor options to fit complex financial situations, which is something we noticed in client stories.
Their “Best in Market” £500 guarantee shows confidence. While most people probably won’t need to use it, we think it’s actually reassuring to know it’s just there.
Process management is where they really shine. They handle the paperwork, chase lenders, and keep clients updated throughout.
We really like how proactive they are in keeping clients in the loop too.
That said, their popularity in the area makes them a bit harder to book. For people in a hurry, that wait could be frustrating.
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
Address: 19 Rutland Square
Phone: +44 131 344 4301
Business hours:
- Monday to Friday: 9 AM – 5 PM
- Saturday to Sunday: Closed
Malleny Mortgage Solutions isn’t tied to a single bank or a small pool of lenders. Instead, they have access to over 15,000 mortgage products from different providers.
We think this is what allows them to find solutions for people who don’t fit neatly into the standard boxes. That includes first-time buyers, self-employed people with unpredictable income, or foreigners trying to buy in a market that can be unforgiving.
What we kept noticing in reviews was how often clients felt at ease with their team.
They seem to focus on breaking things down in plain language and never making clients feel like their questions are silly.
One person we spoke to mentioned how Shirley, an advisor, took on a complicated case involving a new job contract and foreign nationals.
Not only did she take it on, but she handled things behind the scenes while keeping them reassured.
The big advantage here is the combination of expertise and empathy. You’ve got fully-qualified advisors, but they’re also patient and genuinely invested in helping you.
But it’s not all perfect. We heard one complaint of someone not hearing back after an inquiry. It seems to be a rare thing, but still worth mentioning.
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. Mortgage Advice Bureau (MAB) – Edinburgh West End
Address: Orchard Brae House, 30 Queensferry Rd
Phone: +44 800 652 6649
Business hours:
- Monday to Thursday: 9 AM – 8 PM
- Friday to Sunday: 9 AM – 5 PM
MAB takes a lot of the hassle off their client’s plate. They don’t just find you a deal; they also manage the paperwork, talk to lenders, and even coordinate with surveyors.
If you’re someone who doesn’t have the time to juggle all of that, they’re a good option.
We also liked the tech side of their service. The MY MAB app does more than just track the process. It also works like a digital coach. It helps you budget, save, and stay on top of your mortgage journey.
Pair that with their free mortgage monitoring service, which checks for better deals even after you’ve signed, and it feels like they’re thinking beyond just “getting the mortgage” and more about the long-term.
They’re also fairly upfront. You’re usually looking at around 0.3% of the loan amount, and the fee never goes above 1%.
They also offer a free first consultation, so you can also test the waters.
However, we did hear some reviews where people were left hanging after their first call, with no follow-up despite chasing.
They made everything very easy for us
“We utilised the services of the Mortgage Advice Bureau for our recent mortgage application. From the initial phone call, they made everything very easy for us. They were able to deal with all our questions and were able to provide us with our desired product in a very timely manner. Through our application, we liaised with Sean, who was excellent throughout and even when he was on holiday, Erin stepped in and made sure that nothing was slowed down and our application kept on moving. Sean was very knowledgeable and extremely professional, making this a pain-free experience during a very stressful time. Thanks to Sean and the rest of the team at the Mortgage Advice Bureau, it was a pleasure”
Nicholas Mucha, Google review
I highly recommend them to any future first-time buyers
“The service provided by Mortgage Bureau has been outstanding. They were thorough and detailed in their explanations, keeping me consistently updated every 2–3 days. Their support was incredibly helpful and truly eased the stress that often comes with buying a property. I highly recommend them to any future first-time buyers. Erin,Jake and Jordan were amazing their support made a real difference in managing the process smoothly. I’m extremely grateful to them. Top-notch customer service—thank you so much!”
Typotine Sabumba, Google review
4. Get Mortgage
Address: 47 Newington Rd
Phone: +44 7538 190093
Business hours:
- Contact for more info
One of the biggest pros we’ve heard from clients about Get Mortgage is how communicative and approachable they are.
People mentioned that every question was answered quickly, and explanations were always given in easy-to-understand language.
It might sound small, but when you’re buried in complicated mortgage terms, it’s nice to feel that you have someone willing to break down the jargon for you.
Something we thought was particularly unique is their bilingual service in English and Polish. It’s a nice touch, especially for the Polish community in Edinburgh.
Very few brokers in the area offer that, so it’s a smart move that makes them more inclusive.
We also noticed how personalised their advice is. They don’t offer you a genetic deal, but take the time to tailor the advice to your situation and goals.
On top of that, they go beyond the mortgage itself by helping with paperwork and even recommending solicitors. That way, you don’t feel like you’re being left to figure things out on your own.
To be fair, there’s a downside. Their fees are a little pricier compared to some other brokers, but it seems like people are happy to pay because of the quality of their service.
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
5. New Town Mortgages
Address: 5A Newhaven Rd
Phone: +44 131 629 1950
Business hours:
- Monday: 9 AM – 5 PM
- Tuesday to Thursday: 9 AM – 6 PM
- Friday: 9 AM – 1 PM
- Saturday to Sunday: Closed
The big selling point about New Town Mortgages is that they’re independent, so they’re not tied to any bank.
They can scan the whole market and find the best deal for you. It’s reassuring because you know the advice is based on what’s right for your situation—not what’s right for a lender’s pocket.
We noticed that most of their clients have returned to work with them more than once.
This honestly leaves a good impression on us. It just shows people were satisfied enough the first time that they trusted the team again for future mortgages.
When we tried to dig deeper, we understood why. Chris and his small team are really patient, clearly explain the process, and are very approachable.
One story that stood out: a first-time buyer had to switch their mortgage at the last minute, and the team managed it without charging additional fees. We really appreciate that.
Plus, they’re pretty flexible in how they meet you (in person, over the phone, or on video).
That said, you have to remember that their team is only three people. If they’re busy, you might wait a bit longer for a response.
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