Expert Mortgage Advice
At HBR Financial Services, we provide clear, honest mortgage advice tailored to you. Whether you're a first-time buyer, moving home, or remortgaging, we help you find the right deal without the stress. Based in Edinburgh, we combine local knowledge with access to a wide range of lenders to support you every step of the way.
Our Services
Buy-to-Let Mortgages
Maximize your property portfolio potential. We offer specialized advice for investors seeking competitive Buy-to-Let and investment mortgage solutions in a complex market.
Life Assurance
Providing financial security for your loved ones in the event of your death, helping to pay off a mortgage or provide an inheritance.
Protecting What Matters
At HBR Financial Services, we believe that securing your family's future is just as important as securing your home. We provide expert, advice-based guidance to help you find the right level of protection through Life Assurance, Critical Illness cover, and Income Protection, ensuring you have the support you need when it matters most.
Critical Illness
A tax-free lump sum payment upon the diagnosis of a specified illness, supporting you and your family during recovery.
Income Protection
Designed to pay out a regular income if you are unable to work due to illness or injury, maintaining your standard of living.
Mortgage Advisor in Edinburgh
Navigating the Edinburgh property market requires deep-rooted local insight and a personal touch. At HBR Financial Services, we leverage our long-standing relationships with a vast network of lenders to secure competitive deals for our local clients. Whether you are stepping onto the ladder or expanding your portfolio within the capital, our dedicated team provides the professional advocacy and bespoke support you need in your home city.
What Our Clients Say
“
Sarah was incredibly helpful throughout my recent mortgage renewal process. She was patient & well prepared through each step of the journey and I was delighted with the outcome she found for us. I highly recommend Sarah and will continue to return to her in the future.
Sarah P.
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Thanks to Bruce, I secured a great mortgage that suited my needs, and I really appreciated his honest advice and support throughout. I would definitely use him again in the future and wouldn’t hesitate to recommend Bruce to anyone looking for a mortgage adviser.
James D.
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I can’t recommend Neil highly enough. From the very first conversation, he was friendly, professional, and incredibly knowledgeable. He took the time to understand my circumstances and explained all of my mortgage options in a way that was easy to understand.
Mark R.
60+ Years of Experience
HBR Financial Services is a trusted mortgage brokerage founded on the extensive local knowledge and combined 60-year industry experience of Bruce, Neil, and Sarah. Our team provides professional, clear, and reassuring advice, helping you navigate the mortgage process with total confidence. We focus on building long-term relationships through honest guidance, ensuring you receive the support you need at every stage of your property journey.
Frequently Asked Questions
How much can I borrow as a first-time buyer?
The amount you can borrow typically depends on your income, outgoings, and credit history. Most lenders offer between 4 and 4.5 times your annual salary, but we can help you understand the specific criteria used by different providers.
When should I start the remortgage process?
It is generally advisable to start looking at remortgage options about six months before your current deal expires. This allows sufficient time to review the market and complete the necessary paperwork without rushing.
Can I get a mortgage if I am self-employed?
Yes, many lenders offer mortgages to self-employed individuals. You will typically need to provide at least two years of certified accounts or tax year overviews to demonstrate a stable income history.
How much deposit do I need for a Buy-to-Let property?
Requirements vary, but most Buy-to-Let lenders require a minimum deposit of 20% to 25% of the property value. The specific amount will also depend on the projected rental income of the property.
What is the difference between a fixed and variable rate?
A fixed-rate mortgage keeps your interest rate and monthly payments the same for a set period. A variable-rate mortgage means payments can change if interest rates rise or fall, according to the lender's terms.
Some forms of Buy to Let Mortgages are not regulated by the Financial Conduct Authority. Mortgages on and equity released from your home or property, will be secured against it and it could be repossessed if you do not keep up the mortgage repayments. The guidance contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.