Business Details
39 Years
experience
Expert Mortgage Advisors in Dalgety Bay, Fife
Mortgage Help Scotland has been providing mortgage advisory services since 1987, combining over three decades of industry expertise with a client-focused approach. Our team of qualified professionals operates from Dalgety Bay, Fife, serving clients across Scotland and the UK through face-to-face consultations or virtual meetings. We specialise in whole-of-market mortgage solutions, including residential mortgages, remortgaging, buy-to-let properties, and shared ownership schemes. Our commitment to transparency ensures clients receive clear, jargon-free advice without pressure sales tactics.With Chartered Insurance Institute-certified advisors and partnerships with leading financial institutions, we deliver tailored solutions that prioritise client needs while maintaining compliance with Financial Conduct Authority regulations. Our local market knowledge and dedication to continuous professional development enable us to navigate complex mortgage landscapes effectively.
Services
Mortgages
Remortgages
Protection Insurance
Buy To Let
Shared Ownership
Details
- Year established: 1987
Highlights and features
- 30+ years of mortgage advisory experience since 1987
- Whole-of-market mortgage comparisons with no hidden fees
- FCA-authorised advisors with Chartered Insurance Institute qualifications
- Local Fife market expertise with nationwide service coverage
- Transparent, jargon-free advice tailored to individual circumstances
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Incredible support
Excellent remortgage service
Super responsive
First class service
Stress free process
Services
Mortgages
We provide comprehensive mortgage advisory services across Scotland, searching the entire market to find suitable residential mortgage solutions. Our FCA-regulated advisors help first-time buyers, home movers, and investors secure competitive rates while explaining all associated risks. With local market knowledge and partnerships with major lenders, we guide clients through the complete mortgage process from initial application to completion.
Remortgages
Our remortgage specialists help homeowners secure better mortgage terms by exploring the whole market for competitive rates. We assist clients in reducing monthly payments, shortening loan terms, or releasing equity while explaining potential early repayment charges. Using up-to-date market data and lender criteria, we provide tailored recommendations that align with individual financial circumstances and long-term property goals.
Protection Insurance
We offer independent advice on protection insurance products including life assurance, critical illness cover, and income protection. Our advisors use specialist comparison tools to identify policies that provide appropriate financial security for clients' families. We work with top-rated insurers to find solutions that balance comprehensive coverage with affordability, ensuring clients understand policy terms, exclusions, and claim processes.
Buy To Let
Specialist mortgage advice for property investors seeking buy-to-let financing solutions. We help both first-time and experienced landlords navigate the unique requirements of investment mortgages, including higher deposit requirements and stress testing criteria. Our advisors source competitive buy-to-let products while explaining tax implications and regulatory requirements, ensuring clients understand the financial commitments involved in property investment.
Shared Ownership
Guidance for first-time buyers exploring shared ownership schemes with lower deposit requirements. We explain how partial property ownership works, including rent payments on the unowned share and eligibility criteria. Our advisors help clients understand staircasing options and the long-term implications of shared ownership mortgages, working with housing associations and specialist lenders to find suitable affordable housing solutions.
People
Steve McAvoy
Director
Qualified mortgage and insurance adviser since 1987 with Chartered Insurance Institute accreditation. Combines estate agency experience with mortgage expertise to provide practical property market insights.
Martyn Curtis
Director
Financial industry professional since 2006 with mortgage advisory experience since 2015. Brings extensive knowledge of house buying processes and lender requirements to client consultations.
Michael McKenna
Mortgage Adviser
Fully qualified mortgage and protection advisor since 2020. Focuses on delivering exceptional customer service while helping clients achieve their property ownership goals through tailored mortgage solutions.
Shona McColl
Mortgage Adviser
Passionate about simplifying mortgage processes for clients. Specialises in transforming complex mortgage journeys into positive experiences that help clients achieve their property aspirations with confidence.
Paul Roberts
Mortgage Adviser
Financial services professional with experience since 1989. Holds a Diploma in Financial Planning and specialises in providing comprehensive mortgage and protection advice tailored to individual client circumstances.
Questions
Do you charge fees for mortgage advice?
We don't typically charge fees for residential mortgage advice. However, we charge £295 for specific cases like buy-to-let mortgages, adverse credit cases, and small mortgages under £40,000.
What areas do you cover?
We operate from Dalgety Bay, Fife, providing mortgage advice across Scotland including Edinburgh, Dunfermline, Falkirk, and Central Scotland, with virtual consultations available UK-wide.
How do mortgage appointments work?
All appointments are conducted via Zoom. We'll contact you beforehand to discuss your requirements and prepare relevant mortgage options tailored to your financial situation and property goals.
What mortgage types do you offer?
We provide advice on residential mortgages, remortgages, buy-to-let mortgages, shared ownership schemes, and adverse credit mortgages, working with major UK lenders to find suitable solutions.
Do you offer protection insurance advice?
Yes, we offer independent advice on life insurance, critical illness cover, and income protection policies from leading UK providers, using specialist tools to compare policy features and benefits.
Are your advisors qualified?
All our advisors hold relevant mortgage advisory qualifications. Steve McAvoy is a Chartered Insurance Broker, and our team includes advisors with Diplomas in Financial Planning and FCA-regulated experience.
Reviews (5)
Rory Macdonald
Dec 31, 2021
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As a first time buyer I was unsure of what was required for the buying process, however Steve was a great help in navigating this. He gave guidance throughout the process and also invaluable advice on the property market. Would highly recommend Mortgage Help Scotland to anyone.
Debbie McCarthy
Aug 06, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
China was extremely helpful and knowledgeable with our remortgage. She was able to answer all of our questions in a way that was easy to understand. I would highly recommend her services to anybody needing mortgage advice.
China was extremely helpful and knowledgeable with our remortgage. She was able to answer all of our questions in a way that was easy to understand. I would highly recommend her services to anybody needing mortgage advice.
Robert Pruteanu
Jul 27, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Nathan Hunter was amazing in helping me get my first mortgage. He was informative and extremely helpful. Would highly recommend to anyone!!!!! Thank you again
Nathan Hunter was amazing in helping me get my first mortgage. He was informative and extremely helpful. Would highly recommend to anyone!!!!! Thank you again
Colin Lafferty
Jul 19, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
China-Jane Newton was very professional in walking us through our options for mortgages. China is very knowledgeable which made the whole experience undaunting and easy to understand. We definitely will be using her services in the future. Highly recommended.
China-Jane Newton was very professional in walking us through our options for mortgages. China is very knowledgeable which made the whole experience undaunting and easy to understand. We definitely will be using her services in the future. Highly recommended.
Adam Gatens
Jul 03, 2021
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Craig is extremely knowledgeable, professional, and responsive. He bent over backwards and went above and beyond to ensure our mortgage was in place prior to move in date, and sorted our life and home insurance seamlessly. Cannot thank him enough for his efforts.
