Evidence
Client stories and appointment notes
These accounts mention specific services, constraints, and outcomes from work with Marlowe. They are not ratings widgets — just what people chose to share after the paperwork settled.
Extended stories
First-time buyer mortgage advice
A first flat in Leith without stretching overtime
Claire and her partner had saved a ten percent deposit but were pricing homes at the top of every listing alert. We rebuilt their affordability using contracted hours only, set a ceiling that left room for factor fees, and introduced them to two lenders comfortable with their employment type. They offered successfully within their revised band three weeks later.
Claire M.
Remortgage rate review
Remortgage timing for a rural cottage near St. Bauch
With four months left on a five-year fix, the couple assumed a new lender would automatically win. After mapping early repayment charges and a likely valuation shortfall on a non-standard roof, the quieter product transfer kept their monthly cost predictable. They booked a diary reminder for eighteen months before the next end date.
James & Priya K.Shorter notes
“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
“I wanted a second flat near the university. The stress-test numbers ruled out my first choice within fifteen minutes. We pivoted to a smaller purchase that cleared the rental cover, and my accountant later said the summary notes saved him an email chain.”Helen T. · Dundee · Buy-to-let mortgage guidance
“Office is a little tucked away on Huels Locks, but once we sat down the pace was calm. We left with homework — gift letter and solicitor intro — not a hard sell.”Sophie L. · St. Bauch · First-time buyer mortgage advice
“I almost skipped protection to keep the monthly lower. Seeing the mortgage term next to the critical illness waiting period changed my mind. Premiums sting a little, which Eleanor said upfront.”Marcus W. · Inverness · Mortgage protection cover review