Mortgage Brokers Scotland

Mortgage Brokers Scotland Providing specialist whole of the market Mortgage and Insurance advice. My name is Craig Caldwell Cert CII (MP).
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I’m married, we have three boys and I have over 20 years’ experience in the finance sector. My career experience goes from Sky , Bank Manager with TSB, Everyday loans, Welcome fiance, before I went on to become a self-employed Mortgage Broker, helping clients navigate the home-buying journey with confidence.

🚨 Before You Move… Check These 3 Things!Thinking about moving house?Before you get too distracted by paint colours and P...
08/09/2026

🚨 Before You Move… Check These 3 Things!

Thinking about moving house?

Before you get too distracted by paint colours and Pinterest boards 🎨😂, check:

1️⃣ Is your mortgage portable?
Not every mortgage is.

2️⃣ What happens if you need to borrow more?
The additional borrowing may have a different rate.

3️⃣ What fees could apply?
There may be valuation, legal, arrangement or other costs depending on your circumstances and lender.

A quick mortgage check before you move can save some seriously expensive surprises later. 💷

This post is for general information only and does not constitute financial or legal advice. Always seek professional advice tailored to your personal circumstances. Your home may be repossessed if you do not keep up with the repayments on your mortgage.

🏡 Don’t Break Up With Your Mortgage Yet!Thinking about moving home? Don’t automatically assume your mortgage has to go ...
08/09/2026

🏡 Don’t Break Up With Your Mortgage Yet!

Thinking about moving home? Don’t automatically assume your mortgage has to go too! 👀

If your current mortgage deal has a good interest rate, porting your mortgage could allow you to take it with you when you move.

But there’s a catch… 👇
Your lender still needs to approve the new property and check that you can afford the new borrowing.

So before you put that “For Sale” sign up, check whether your mortgage is portable!

Your mortgage might be moving house with you. 📦🏡

🏠 The “Marathon Mortgage” Post🏃‍♂️ Forget the 10K… welcome to the 40-year mortgage!Longer mortgage terms are becoming in...
08/09/2026

🏠 The “Marathon Mortgage” Post

🏃‍♂️ Forget the 10K… welcome to the 40-year mortgage!

Longer mortgage terms are becoming increasingly common among younger buyers, with 66% of borrowers under 30 reportedly taking mortgages lasting 30 to 40 years.

Why? Spreading the repayments over a longer period can make the monthly payment more manageable.

But there’s a catch… 👀

The longer you borrow, the longer you could be paying interest.

The good news? Overpayments can potentially help shorten the mortgage term and reduce the total interest paid.

A mortgage isn’t just about Can I afford it this month? it’s also about “What will this cost me over the whole journey?” 🧮

This post is for general information only and does not constitute financial or legal advice. Always seek professional advice tailored to your personal circumstances. Your home may be repossessed if you do not keep up with the repayments on your mortgage.

📦 “Porting Your Mortgage” Explained in 30 SecondsPorting a mortgage = potentially taking your existing mortgage deal wit...
07/09/2026

📦 “Porting Your Mortgage” Explained in 30 Seconds

Porting a mortgage = potentially taking your existing mortgage deal with you when you move home. 🏡➡️🏡

Think of it like this:

Current home:
🏠 Mortgage with your lender

⬇️ You move

New home:
🏡 Existing mortgage potentially transferred to the new property

Sounds simple, right?

Well… there can be a few more steps! Your lender will generally need to approve the new property and reassess affordability. If you're borrowing more, the extra amount could be on different terms.

So before you pack the boxes, check the mortgage paperwork! 📦😉

This post is for general information only and does not constitute financial or legal advice. Always seek professional advice tailored to your personal circumstances. Your home may be repossessed if you do not keep up with the repayments on your mortgage.

🌞 Build Momentum 🌞🚀 Success doesn't happen overnight, it happens every day you refuse to quit.Use this Monday to build ...
07/09/2026

🌞 Build Momentum 🌞

🚀 Success doesn't happen overnight, it happens every day you refuse to quit.
Use this Monday to build momentum.

Take action, stay committed, and trust the process. The effort you make today can create the future you've been working towards.

📞 Mortgage Brokers Scotland | 01355 201070

🧠 3 Questions to Ask Before Choosing a MortgageBefore choosing a mortgage, ask yourself:1️⃣ Can I comfortably afford the...
06/09/2026

🧠 3 Questions to Ask Before Choosing a Mortgage

Before choosing a mortgage, ask yourself:

1️⃣ Can I comfortably afford the repayments?

Not just today , consider how your circumstances could change.

2️⃣ Does the mortgage fit my plans?

Are you expecting to move, remortgage, overpay or stay put?

3️⃣ Have I considered the full cost?

Look beyond the headline interest rate and consider fees, term and other product features.

The best mortgage isn't necessarily the one with the flashiest rate.

It's the one that makes sense for your circumstances and goals.

This post is for general information only and does not constitute financial or legal advice. Always seek professional advice tailored to your personal circumstances. Your home may be repossessed if you do not keep up with the repayments on your mortgage

🛡️ Insurance: Don't Insure Just the Stuff You Can See When people think about insurance, they often think:🚗 Car🏠 Buildin...
06/09/2026

🛡️ Insurance: Don't Insure Just the Stuff You Can See

When people think about insurance, they often think:

🚗 Car
🏠 Buildings
📱 Phone
👜 Contents

But what about you?

Your ability to earn an income can be one of your most valuable financial assets.

Protection insurance can potentially provide financial support if certain unexpected events occur, depending on the policy.

It's worth thinking about what would happen financially if your income suddenly stopped.

Because sometimes the biggest thing you need to protect isn't inside your home.

It's the person paying for it. ❤️

This post is for general information only and does not constitute financial or legal advice. Always seek professional advice tailored to your personal circumstances. Your home may be repossessed if you do not keep up with the repayments on your mortgage

🎉 You've Got the Keys… Now What?You've completed.You've got the keys.You've opened the door.🎉 YOU OWN A HOME!But the fin...
05/09/2026

🎉 You've Got the Keys… Now What?

You've completed.

You've got the keys.

You've opened the door.

🎉 YOU OWN A HOME!

But the financial journey doesn't necessarily stop there.

It's worth continuing to review:

🏠 Mortgage arrangements
🛡️ Protection
💰 Savings
📊 Budget
🎯 Long term financial goals

Your circumstances can change.

Your financial priorities can change.

And your mortgage and protection needs may change too.

So don't let the paperwork gather dust for the next 25 years. 😂

Your future self might appreciate an occasional financial MOT.

This post is for general information only and does not constitute financial or legal advice. Always seek professional advice tailored to your personal circumstances. Your home may be repossessed if you do not keep up with the repayments on your mortgage

🚪 Before You Walk Into an Estate Agent…Thinking about buying?Before you start booking 14 house viewings in one weekend, ...
05/09/2026

🚪 Before You Walk Into an Estate Agent…

Thinking about buying?

Before you start booking 14 house viewings in one weekend, get your finances organised first. 😂

Knowing your potential budget can help you search more realistically.

Consider:

🏠 Deposit
💷 Income
💳 Existing commitments
📊 Affordability
📋 Mortgage options
💰 Additional buying costs

Because falling in love with a house that is way outside your budget is basically the financial equivalent of browsing the dessert menu when you've already decided you're dieting.

Painful. 😂

Get the numbers sorted first.

Then start house hunting with confidence.

This post is for general information only and does not constitute financial or legal advice. Always seek professional advice tailored to your personal circumstances. Your home may be repossessed if you do not keep up with the repayments on your mortgage

05/09/2026

NEW TO MARKET | Turnyhill Road, Twechar 🏡

Set within the sought-after Twechar area, this three-bedroom semi-detached villa offers spacious and well-presented accommodation ideal for modern family living.

The property features three well-proportioned bedrooms, three bathrooms and generous living space throughout, making it an excellent opportunity for families, first-time buyers or those looking to upsize.

📍 Twechar
🛏 3 Bedrooms
🛁 3 Bathrooms
🏡 Semi-Detached Villa
✨ Sought-after location
💷 Offers Over £199,999

Interested in finding out more or arranging a viewing?
Contact our office today on 0141 776 5566.

Town & Country Estate Agents, open 7 days a week.

Address

Wheatsheaf House, 2nd Floor, 25 Montgomery Street
East Kilbride
G744JS

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 8pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+447557233569

Website

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