About
A small Scottish practice for large monthly commitments
Marlowe exists so mortgage and budget decisions feel as concrete as a rent standing order — not as a pile of half-understood product sheets.
Origin
Eleanor Marlowe opened the practice after years helping friends decode lender letters at kitchen tables in Fife and Edinburgh. The pattern was familiar: strong incomes, thin buffers, and borrowing ranges borrowed from estate-agent asking prices rather than from what the household could keep paying after a rate move.
Today the office at 123 Huels Locks, St. Bauch welcomes clients in person, with video appointments for households elsewhere in Great Britain. The work stays advisory — we prepare you for lenders and solicitors; we do not replace them.
How we work
- We ask for bank statements before the meeting so the hour is spent deciding, not hunting for figures.
- Recommendations are dated to the appointment; lender criteria change, and we say so.
- Written summaries use the same words we spoke aloud — deposit, LTV, early repayment charge, stress test.
- If staying put or delaying a purchase is wiser, we will tell you even when that shortens the engagement.
Values
Plain speech over jargon. Affordability before ambition. Scotland-aware conveyancing timing when you are buying under Scottish missives. Respect for the fact that a mortgage is a decades-long neighbour to school fees, care costs, and ageing boilers.