Based in Edinburgh and covering the UK, Advantage Home Finance have been providing tailored mortgage advice for over a decade to all types of homebuyers, from first-time buyers taking their initial steps, to seasoned investors with expanding portfolios.
Based in Edinburgh and covering the UK, Advantage Home Finance have been providing tailored mortgage advice for over a decade to all types of homebuyers, from first-time buyers taking their initial steps, to seasoned investors with expanding portfolios.
2800
+
Mortgages Completed
1650
+
Ongoing Clients
£
425m
+
Lending Secured
Based in Edinburgh and covering the UK, Advantage Home Finance have been providing tailored mortgage advice for over a decade to all types of homebuyers, from first-time buyers, to seasoned investors.
2800
+
Mortgages Completed
1650
+
Ongoing Clients
£
425m
+
Lending Secured
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Why use a mortgage broker?
Why use a mortgage broker?
What are the benefits of using a mortgage broker?
What are the benefits of using a mortgage broker?
You don’t need a mortgage broker.
And you also don’t need a sat nav to drive across the country.
But when you’re juggling “offers over”, Home Reports, "true cost" calculations, and every lender seems to want something different, it helps to have someone who knows the roads.
We’ll cut through the noise, plan the right route, and guide you through the mortgage process so you can move forward with confidence.
You don’t need a mortgage broker.
And you also don’t need a sat nav to drive across the country.
But when you’re juggling “offers over”, Home Reports, "true cost" calculations, and every lender seems to want something different, it helps to have someone who knows the roads.
We’ll cut through the noise, plan the right route, and guide you through the mortgage process so you can move forward with confidence.
Straight answers
Straight answers
Navigating the mortgage landscape made simple. Our qualified advisers provide personalised recommendations tailored to your financial situation.
Navigating the mortgage landscape made simple. Our qualified advisers provide personalised recommendations tailored to your financial situation.
We handle the chasing
We handle the chasing
We handle the paperwork, application process and mortgage lender enquiries saving you the stress and worry of getting things wrong.
We handle the paperwork, application process and mortgage lender enquiries saving you the stress and worry of getting things wrong.
In your corner
In your corner
We have relationships with underwriters and decision makers at all of our lender partners, which helps get you an approval when things aren't as straight-forward.
We have relationships with underwriters and decision makers at all of our lender partners, which helps get you an approval when things aren't as straight-forward.
Access to more options
Access to more options
Many of our 80+ mortgage lenders only offer their products through brokers, and others offer exclusive products which may not be available direct.
Many of our 80+ mortgage lenders only offer their products through brokers, and others offer exclusive products which may not be available direct.
Protection that makes sense
We are part of Primis mortgage network, which ensures your interests are protected throughout the mortgage process with full transparency and professional standards.
A named adviser
From application to completion, we're with you every step, liaising with lenders, solicitors, and surveyors to ensure a smooth, stress-free mortgage journey.
Why use Advantage Home Finance?
Why use Advantage Home Finance?
Why our clients feel confident working with us
Why our clients feel confident working with us
Why our clients feel confident working with us
For over a decade, our clients have trusted Advantage Home Finance to advise them on their biggest financial commitment.
Our clients tell us the thing they value most is never having to chase updates or worry about progress. From your first call to completion, your adviser keeps you updated at every stage - no chasing, no wondering what's happening, no being left in the dark.
Mortgages are full of jargon. We break it all down, we explain trade-offs, and keep you updated from first call to completion.
For over a decade, our clients have trusted Advantage Home Finance to advise them on their biggest financial commitment.
Our clients tell us the thing they value most is never having to chase updates or worry about progress. From your first call to completion, your adviser keeps you updated at every stage - no chasing, no wondering what's happening, no being left in the dark.
Mortgages are full of jargon. We break it all down, we explain trade-offs, and keep you updated from first call to completion.
For over a decade, our clients have trusted Advantage Home Finance to advise them on their biggest financial commitment.
Our clients tell us the thing they value most is never having to chase updates or worry about progress. From your first call to completion, your adviser keeps you updated at every stage - no chasing, no wondering what's happening, no being left in the dark.
Mortgages are full of jargon. We break it all down, we explain trade-offs, and keep you updated from first call to completion.
Our Team
Our Team
Professional, fully qualified advisers with decades of experience.
Professional, fully qualified advisers with decades of experience.
Advantage Home Finance is built around an experienced, CeMAP qualified advisory team drawn from long-standing careers in banking, mortgages, property, and wider financial services. The firm itself was founded after its principal spent 12 years in the mortgage industry working for national brokerages, bringing that depth of institutional knowledge into a more personal, client-focused approach.
Advantage Home Finance is built around an experienced, CeMAP qualified advisory team drawn from long-standing careers in banking, mortgages, property, and wider financial services. The firm itself was founded after its principal spent 12 years in the mortgage industry working for national brokerages, bringing that depth of institutional knowledge into a more personal, client-focused approach.
Adam Kenyon
Adviser and Firm Principal
Adam Kenyon
Adviser and Firm Principal
Catherine Anne McDonald
Adviser and Sales & Compliance Director
Catherine Anne McDonald
Adviser and Sales & Compliance Director
Mark Forbes
Adviser
Mark Forbes
Adviser
Roger McCosh
Adviser
Roger McCosh
Adviser
Ian Cowie
Adviser
Ian Cowie
Adviser
Lynn Martin
Adviser
Lynn Martin
Adviser
Leanne Dinnigan
Adviser
Leanne Dinnigan
Adviser
Maria Lawson
Adviser
Maria Lawson
Adviser
Our Fee Structure
Our Fee Structure
How much does a mortgage broker cost?
How much does a mortgage broker cost?
Buying a home is a financial puzzle with many moving parts - from stamp duty and legal fees to valuations and lender arrangement fees. We believe the cost of your advice should be the one thing that brings it all into focus, not adds to the confusion.
We value fairness and transparency. We’ll confirm any fee payable in writing before you commit. We only charge if we succeed in securing your mortgage, meaning our goals are perfectly aligned with yours.
No hidden charges. No corporate-speak. Just straight answers on what you pay and why.
Buying a home is a financial puzzle with many moving parts - from stamp duty and legal fees to valuations and lender arrangement fees. We believe the cost of your advice should be the one thing that brings it all into focus, not adds to the confusion.
We value fairness and transparency. We’ll confirm any fee payable in writing before you commit. We only charge if we succeed in securing your mortgage, meaning our goals are perfectly aligned with yours.
No hidden charges. No corporate-speak. Just straight answers on what you pay and why.
Relationship Over Transaction
Relationship Over Transaction
In a world of "free", it’s important to remember that if you aren't paying for the product, you usually are the product. Free typically equates to high-volume call centres, automated scripts, and a revolving door of agents where you are just a file in a cabinet. We choose a different path.
Instead, we prioritise the relationship over the transaction. This allows us to give you a dedicated adviser who knows your story - someone you can reach when you actually need them and knows your story. We will help you understand Scottish Home Reports, chat through deposit options, or how to grow your current property portfolio to build for your future.
It’s the difference between being a number in a queue and having a personal advocate in your corner.
In a world of "free", it’s important to remember that if you aren't paying for the product, you usually are the product. Free typically equates to high-volume call centres, automated scripts, and a revolving door of agents where you are just a file in a cabinet. We choose a different path.
Instead, we prioritise the relationship over the transaction. This allows us to give you a dedicated adviser who knows your story - someone you can reach when you actually need them and knows your story. We will help you understand Scottish Home Reports, chat through deposit options, or how to grow your current property portfolio to build for your future.
It’s the difference between being a number in a queue and having a personal advocate in your corner.
Straight answers to common questions
Straight answers to common questions
How do I use a Home Report to decide my offer price?
A.
A Home Report is designed to give you transparency before you offer . Rather than just looking at the valuation on the front page, buyers should focus on the 'Category 2 and 3' repairs in the Single Survey . These identify urgent issues that you can use to negotiate the price or budget for maintenance after you get the keys.
How do I use a Home Report to decide my offer price?
A.
A Home Report is designed to give you transparency before you offer . Rather than just looking at the valuation on the front page, buyers should focus on the 'Category 2 and 3' repairs in the Single Survey . These identify urgent issues that you can use to negotiate the price or budget for maintenance after you get the keys.
How do I use a Home Report to decide my offer price?
A.
A Home Report is designed to give you transparency before you offer . Rather than just looking at the valuation on the front page, buyers should focus on the 'Category 2 and 3' repairs in the Single Survey . These identify urgent issues that you can use to negotiate the price or budget for maintenance after you get the keys.
Do I need to offer more than the Home Report valuation?
A.
In competitive areas like Edinburgh or Glasgow, it is very common. However, most lenders will only lend based on the Home Report value (or their own valuation if it's lower) . If you bid £10,000 over the valuation, you generally need to provide that £10,000 in cash on top of your deposit.
Do I need to offer more than the Home Report valuation?
A.
In competitive areas like Edinburgh or Glasgow, it is very common. However, most lenders will only lend based on the Home Report value (or their own valuation if it's lower) . If you bid £10,000 over the valuation, you generally need to provide that £10,000 in cash on top of your deposit.
Do I need to offer more than the Home Report valuation?
A.
In competitive areas like Edinburgh or Glasgow, it is very common. However, most lenders will only lend based on the Home Report value (or their own valuation if it's lower) . If you bid £10,000 over the valuation, you generally need to provide that £10,000 in cash on top of your deposit.
How do I compete at a 'Closing Date'?
A.
To win at a closing date, you must be 'offer-ready'. Sellers don't just look at the highest price; they look for the most secure bid . We ensure you have a same-day Mortgage in Principle and confirmed proof-of-funds so your solicitor can present your bid as the most reliable option for the seller.
How do I compete at a 'Closing Date'?
A.
To win at a closing date, you must be 'offer-ready'. Sellers don't just look at the highest price; they look for the most secure bid . We ensure you have a same-day Mortgage in Principle and confirmed proof-of-funds so your solicitor can present your bid as the most reliable option for the seller.
How do I compete at a 'Closing Date'?
A.
To win at a closing date, you must be 'offer-ready'. Sellers don't just look at the highest price; they look for the most secure bid . We ensure you have a same-day Mortgage in Principle and confirmed proof-of-funds so your solicitor can present your bid as the most reliable option for the seller.
When does my Scottish property purchase become legally binding?
A.
Your purchase becomes legally binding when your solicitor 'concludes the missives' . This is an exchange of formal letters that creates a binding contract between you and the seller . It is vital to have your mortgage offer finalized before this stage to avoid heavy financial penalties for breaching the contract.
When does my Scottish property purchase become legally binding?
A.
Your purchase becomes legally binding when your solicitor 'concludes the missives' . This is an exchange of formal letters that creates a binding contract between you and the seller . It is vital to have your mortgage offer finalized before this stage to avoid heavy financial penalties for breaching the contract.
When does my Scottish property purchase become legally binding?
A.
Your purchase becomes legally binding when your solicitor 'concludes the missives' . This is an exchange of formal letters that creates a binding contract between you and the seller . It is vital to have your mortgage offer finalized before this stage to avoid heavy financial penalties for breaching the contract.
How much deposit do I really need in 2026?
A.
While 5% to 10% is standard, the 2026 market has seen lenders become increasingly creative to support affordability. Some lenders have now launched products for qualifying buyers with deposits as low as 1% or £5000 fixed sum deposits, to help those stuck in the rental cycle take their first step.
How much deposit do I really need in 2026?
A.
While 5% to 10% is standard, the 2026 market has seen lenders become increasingly creative to support affordability. Some lenders have now launched products for qualifying buyers with deposits as low as 1% or £5000 fixed sum deposits, to help those stuck in the rental cycle take their first step.
How much deposit do I really need in 2026?
A.
While 5% to 10% is standard, the 2026 market has seen lenders become increasingly creative to support affordability. Some lenders have now launched products for qualifying buyers with deposits as low as 1% or £5000 fixed sum deposits, to help those stuck in the rental cycle take their first step.
How much can I actually borrow for a mortgage?
A.
Most lenders traditionally capped borrowing at 3.5 to 4.5 times your before tax annual income, but we are seeing these rigid limits soften. For certain applicants and first-time buyers, some lenders now offer 5.5 or even 6 times your income. We’ll check your eligibility across the our panel of lenders to find your maximum borrowing power.
How much can I actually borrow for a mortgage?
A.
Most lenders traditionally capped borrowing at 3.5 to 4.5 times your before tax annual income, but we are seeing these rigid limits soften. For certain applicants and first-time buyers, some lenders now offer 5.5 or even 6 times your income. We’ll check your eligibility across the our panel of lenders to find your maximum borrowing power.
How much can I actually borrow for a mortgage?
A.
Most lenders traditionally capped borrowing at 3.5 to 4.5 times your before tax annual income, but we are seeing these rigid limits soften. For certain applicants and first-time buyers, some lenders now offer 5.5 or even 6 times your income. We’ll check your eligibility across the our panel of lenders to find your maximum borrowing power.
Can I use an inter-company loan from my trading business for an SPV Buy to Let deposit?
A.
Yes, this is a sophisticated way for business owners to deploy capital efficiently. Instead of extracting cash personally, you can move funds from your trading company to your property Special Purpose Vehicle (SPV) as a loan. Lenders will often require a 'Deed of Subordination' to ensure their mortgage is prioritized, and they typically prefer identical director/shareholder structures across both companies.
Can I use an inter-company loan for an SPV Buy to Let deposit?
A.
Yes, this is a sophisticated way for business owners to deploy capital efficiently. Instead of extracting cash personally, you can move funds from your trading company to your property Special Purpose Vehicle (SPV) as a loan. Lenders will often require a 'Deed of Subordination' to ensure their mortgage is prioritized, and they typically prefer identical director/shareholder structures across both companies.
Can I use an inter-company loan from my trading business for an SPV Buy to Let deposit?
A.
Yes, this is a sophisticated way for business owners to deploy capital efficiently. Instead of extracting cash personally, you can move funds from your trading company to your property Special Purpose Vehicle (SPV) as a loan. Lenders will often require a 'Deed of Subordination' to ensure their mortgage is prioritized, and they typically prefer identical director/shareholder structures across both companies.
When is the best time to start looking at a remortgage?
A.
You should start reviewing your options 6 months before your current fixed-rate deal ends. Most lenders allow you to reserve a new rate in advance. If rates fall further during those 6 months, we can often switch you to an even cheaper deal before you complete, ensuring you never roll onto a more expensive default rate.
When is the best time to start looking at a remortgage?
A.
You should start reviewing your options 6 months before your current fixed-rate deal ends. Most lenders allow you to reserve a new rate in advance. If rates fall further during those 6 months, we can often switch you to an even cheaper deal before you complete, ensuring you never roll onto a more expensive default rate.
When is the best time to start looking at a remortgage?
A.
You should start reviewing your options 6 months before your current fixed-rate deal ends. Most lenders allow you to reserve a new rate in advance. If rates fall further during those 6 months, we can often switch you to an even cheaper deal before you complete, ensuring you never roll onto a more expensive default rate.
Contact Us
Contact Us
Talk to a mortgage adviser
Talk to a mortgage adviser
Choosing the right mortgage is about making confident decisions at the right time, with the right guidance behind you. That’s where we come in. No scripts, no generic advice, just thoughtful, experienced support designed to make the process feel straightforward and manageable.
If you’d like to explore what’s possible or simply have a question, we’re always happy to start the conversation.
If you’d like to explore what’s possible or simply have a question, we’re always happy to start the conversation.
If you’d like to explore what’s possible or simply have a question, we’re always happy to start the conversation.
You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with GDPR May 2018 requirements. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone.
By submitting this information you have given your agreement to be contacted by us to discuss your mortgage requirements.
Please see our Privacy Policy for further details on how we use your information.
You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with GDPR May 2018 requirements. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone.
By submitting this information you have given your agreement to be contacted by us to discuss your mortgage requirements.
Please see our Privacy Policy for further details on how we use your information.
You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with GDPR May 2018 requirements. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone.
By submitting this information you have given your agreement to be contacted by us to discuss your mortgage requirements.
Please see our Privacy Policy for further details on how we use your information.
Chat now
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
MOST BUY-TO-LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY
MOST BUY-TO-LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY
MOST BUY-TO-LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY
Advantage Home Finance is a trading name of Advantage Home Finance Limited who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of Advance Mortgage Funding Ltd. Advance Mortgage Funding Ltd is authorised and regulated by the Financial Conduct Authority.
View our complaints procedure here.
Initial mortgage consultation is free.
We may charge a fee for our advice service which will depend on what mortgage you need, your financial circumstances, and the complexity of what you want. The amount of fee will be between £0 and 1% of the value you need to borrow up to a maximum of £2,000. For example, if your mortgage was £100,000 the maximum fee you would pay would be £1,000. The minimum fee charged is £0. You need to pay the fee when your mortgage application has completed.
The guidance and/or information contained within the website is subject to UK regulatory regime and is therefore targeted at consumers based in the UK.
Registered in Scotland. Registration number – SC511364.
Registered office address – 80 George Street, Edinburgh, Scotland, EH2 3BU.