About The Mortgage Advice Service
The Mortgage Advice Service helps people across Scotland with first-time buyer, remortgage and buy-to-let mortgages, alongside poor-credit cases and insurance. Advisers research a comprehensive range of products and can access lenders and deals unavailable on the high street.
A dedicated adviser can complete mortgage paperwork and liaise with lenders, solicitors and surveyors. Appointments are available seven days a week, including evenings and weekends, with advice offered face to face or by phone. Advice is generally free, although fees apply in specified circumstances, including some smaller loans and debt-consolidation cases.
Before you choose The Mortgage Advice Service
5.0 on average from 59 reviews
In its favour
- Dedicated adviser seven days a week
- Poor-credit mortgage advice
- High-street lender alternatives
Worth asking about
- Fees apply in some cases, including specified smaller loans and debt consolidation.
Typical client: Scottish borrowers needing support with complex mortgage applications
Specialties
Also works on: first-time buyers
Key facts
- Type
- Mortgage broker
- Rating
- 5.0 on average from 59 reviews
Prices
Prices published on its website, checked on 31 October 2026.
- Loan value between £75,000 and £120,000£235
- Loan value between £50,000 and £74,999£285
- Loan value under £50,000£325
- Debt consolidation case£325
Featured in
Questions and answers
Is mortgage advice free?
Usually, yes. The Mortgage Advice Service says its advice is completely free unless the loan is below £100,000 or the application falls into a specified fee category.
What fee applies to a debt consolidation mortgage?
A £325 fee applies to cases involving debt consolidation.
What are the mortgage broker fees for smaller loans?
A loan between £75,000 and £120,000 carries a £235 fee, a loan between £50,000 and £74,999 carries a £285 fee, and a loan under £50,000 carries a £325 fee.
Does the broker arrange buy-to-let mortgages?
Yes. The service arranges buy-to-let mortgages for people buying property or properties with the objective of renting them out.
Can I get a mortgage with poor credit?
Yes, the service says mortgages are available for people with missed payments, County Court Judgments or previous bankruptcy, although interest rates tend to be higher.
