LMS
Lenders

Helping you move forward with confidence 

We work in partnership with Lomond Mortgage Services, giving you access to a wide range of mortgage products from over 90 lenders. This means we can help identify the right option for your needs, your circumstances and your budget. From explaining your options and supporting you in choosing the right mortgage, to arranging suitable protection for you and your family, we guide you through every stage.

Speak to an advisor

Your journey to home ownership

Owning a home is an important step and we’re here to help make the journey feel clear and straightforward. With thoughtful guidance and experienced advisers, you’ll have the support you need to move forward with confidence.

Understand your budget

Start by speaking with one of our advisers to understand what you can comfortably afford. It’s also a great opportunity to ask questions and get a clear view of the process ahead.

Looking at options

We’ll take the time to explore the options available to you, helping find a mortgage that suits your needs and circumstances, with clear advice throughout.

Secure a mortgage

Once the right option is in place, we’ll guide you through securing your mortgage, so you’re ready to begin viewing properties and making offers.

Moving into your home

With everything in place, the last step is collecting your keys and settling into your new home.

Guidance tailored to your next move 

Whether you’re buying your first home, moving on, investing in buy‑to‑let or looking to remortgage, our team is here to support you at every stage. We take the time to understand your circumstances and guide you through the options available, helping you make informed decisions with clarity. From your first conversation through to completion, our approach is designed to keep things straightforward, supported and aligned with your plans.

get started

Frequently Asked Questions

Find answers to some of the most common questions about buying, selling, letting and renting with Julian Wadden. If you need more help, our local team is always happy to assist.

Get in touchbook a valuation

A Mortgage in Principle (MIP) is an indication from a lender of how much they may be willing to lend you, based on your income, outgoings and overall financial position. It isn’t a formal mortgage offer, but it does give you a clearer understanding of your budget and helps you focus your search on properties within reach. Having a MIP in place can also reassure sellers that you’re in a strong position to proceed, which can be helpful when making an offer.

The amount you can borrow depends on several factors, including your income, credit history and your deposit amount. To get a quick idea of what you could borrow, use our mortgage calculator. Simply enter your income, deposit amount and repayment term to receive an estimate tailored to your situation.

The process can vary depending on your individual circumstances, the lender and how quickly each stage progresses. Factors such as providing documentation, the complexity of your application and the property chain can contribute to the pace. Our advisers will keep you updated throughout the process, with clear communication to help everything stay on track.

Yes, being self‑employed doesn’t prevent you from getting a mortgage, but the way lenders assess your application can be slightly different. You may be asked to provide documents such as tax returns or accounts to show your earnings. With the right support and guidance, many self‑employed applicants secure mortgages successfully. Our advisers can help you understand what lenders are looking for and guide you towards options that best suit your circumstances.

No, you can arrange your mortgage directly with a lender if you prefer. However, working with an adviser can help make the process clearer and more straightforward. They’ll guide you through your options, give you access to a wider range of lenders and help you find a solution that suits your circumstances, while keeping everything progressing smoothly along the way.