Remortgage review
Timed around your fixed-rate end date so you can compare product transfers and new-lender deals without last-minute pressure.
From £195 per review
UK financial advice · Scotland
Mortgage numbers you can live with month to month
Marlowe sits with first-time buyers, remortgagers, and landlords to translate lender criteria into a borrowing range that still leaves room for the rest of life — council tax, childcare, and the boiler that will eventually fail.
Flagship consultation
First-time buyer mortgage advice — from £295, 90–120 minutes in St. Bauch or by video.
Primary offer
First-time buyer mortgage advice
We map deposit readiness, Land and Buildings Transaction Tax where it applies, and a lender shortlist matched to your employment type — employed, self-employed, or mixed. You leave with a written borrowing range and actions for the next fortnight, not a stack of unread product brochures.
From £295 · Office or video · Follow-up summary in two working days
Related consultations
Advice that fits the stage you are in
Budget planning
A practical session that turns bank statements into a monthly plan you can keep when rates, rent, or childcare costs shift.
From £165 per session
Buy-to-let
Stress-tested rental income, portfolio landlord criteria, and lender appetite for Scottish and UK rental purchases.
From £350 per consultation
Protection cover
Life, critical illness, and income protection checked against your mortgage term so a claim could clear or reduce the loan.
Complimentary with mortgage advice; £95 standalone
From recent clients
What people notice after the appointment
Stories mention deposits, rate-end dates, and stress tests — the same vocabulary we use in the room.
Read client stories“We arrived with a deposit target that was still a bit optimistic. Eleanor walked through our childcare costs line by line and trimmed the borrowing range before we wasted a Saturday on flats we could not sustain. The lender shortlist felt narrower than friends’ stories — in a good way.”Claire M. · Edinburgh · First-time buyer mortgage advice
“Our fixed rate was ending in four months and we had ignored the letters. The review showed the product transfer was only slightly dearer once fees were counted, so we stayed put. Mildly annoyed we paid for advice that told us not to switch — but glad we did not chase a shiny rate that needed a new valuation.”James & Priya K. · Glasgow · Remortgage rate review
“After the rate rose, I kept cutting groceries and still felt behind. The session put car insurance and the boiler service into a monthly pot. Nothing flashy — just a page on the fridge that stopped the surprise invoices.”Callum R. · Aberdeen · Household budget planning
Guides
Field notes on deposits, rate ends, and budgets
Deposit milestones worth hitting before you book viewings
A deposit is more than a percentage of the asking price. Here is how Scottish first-time buyers can stage savings so mortgage conversations stay grounded.
What to do six months before your fixed rate ends
Waiting until the last letter from your lender arrives leaves little room to compare. A calm remortgage window starts earlier than most people expect.
Rebuilding a household budget after a rate rise
When the monthly mortgage jumps, cutting “nice to haves” is only half the story. Fixed costs and annual bills need the same attention.