Mortgage Haven UK

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Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Mortgage Haven UK, Mortgage brokers, 11/34 Western Harbour Midway, Edinburgh.

05/10/2026

Watermans Golf Day 2026 🏆️ 🍾

Thanks to Watermans for the invite to last weeks golf day.

Also great to be part of the winning team on the day.

Looking forward to Archerfield!

28/09/2026

'Tis the Season to Remortgage

(Yes, we know its early...)

The last quarter of the year is always a busy time due to the number of fixed rates that expire towards the end or in January & February. It is also a natural time to assess finances going into the New Year.

🔐 Lock in a new deal for the new year
The closer we get to the festive period the less time we have to get things in order. With rates trending up recently, the sooner you have plans in place the better that could work out for you.

💳 Debt consolidation?
Are you looking to reduce your outgoings as we head into the new year? It may be worth looking at whether consolidating credit commitments such as loans and credit cards to your mortgage to look to do this.

💯 Best Deal Guarantee
As we are a whole of market mortgage broker we can ensure you are on the best deal possible when it is time to remortgage.

💷 £50 voucher with every remortgage -
For all our new and existing clients we are giving away a £50 voucher up until the end of 2026. ***Minimum mortgage balance of £100k to qualify***

Looking for advice around your remortgage? Get in touch with us today
www.mortgagehavenuk.co.uk
0131 202 7630

10/09/2026

⭐⭐⭐⭐⭐ Client Reviews

Thank you Liam for leaving us this review.

Have you been declined by your bank? Declined by a broker?

Get in touch with us and see how we can help!

www.mortgagehavenuk.co.uk
0131 202 7630

03/09/2026

The Truth About Trust Deed's

We are seeing more and more clients coming to us involved with Trust Deed's so we thought it was worth putting out a new post with some detail around how a Trust Deed impacts your mortgage plans.

Trust Deed's are one of the most serious credit issues we come across within mortgage lender criteria. They are looked at similarly to bankruptcy and IVA's, a fact that many people are not aware of.

Now, Trust Deeds can be useful for many people to address financial issues but if you are looking to buy a property in future there are a number of things to be aware of.

It 'may impact your credit score'..?
A Trust Deed will have a massive impact on your credit score.. and for longer than you would think.

It's going to drop off my credit report...
In a way once you are 6 years past registration dates, you could see this drop off... but it is still there in the eyes of financial institutions until 6 years Discharged, so it takes longer than many people think to disappear.

Can you get a mortgage in a Trust Deed & do you need a bigger deposit..?
You need to first be discharged from a Trust Deed before looking at options, but even then you will find yourself with only one or two lenders - and most likely with a larger deposit required (at least 20-25%).

After one year discharged, you will have a few more lenders possibly..

We then have a larger panel of lenders who consider you after 3 years discharged, possibly with less of a deposit requirement.

Finally, after 6 years discharged you will have more lenders again - this is where the more mainstream lenders can come into consideration.

A point to consider - if you are in a Trust Deed for 6 years, then it will be 12 years until you will have access to more mainstream, high street lenders.

Please note this is only considering just having a Trust Deed in place, if you have further credit issues such as defaults or CCJ's these would also need to be taken into consideration.

**** This post is not to be taken as advice, please seek professional advice. ****

31/08/2026

What does AI say about Mortgage Haven UK?

At Mortgage Haven UK we are very technology focused and forward thinking where that technology can help us and our clients. Many of our new client enquiries actually come through Chat GPT and similar websites.

But what does AI actually say about us...?
✅ Patience & Professionalism
✅ Support First Time Buyers
✅ Support clients on a VISA
✅ Responsiveness & efficient communication
✅ Tailored, reassuring advice
✅ Dedicated client app (which is an amazing tool our clients love)

We have built in so much technology and automation into our service to our clients to make what we do accessible and simple for our clients, but fundamentally it all comes down to the personal relationships and advice bespoke to each client we work with.

Have you been declined by your bank? Declined by a broker?

Get in touch with us and see how we can help!

www.mortgagehavenuk.co.uk
0131 202 7630

30/08/2026

⭐⭐⭐⭐⭐ Client Reviews

Thank you Calvin & Lia for leaving us this review.

Have you been declined by your bank? Declined by a broker?

Get in touch with us and see how we can help!

www.mortgagehavenuk.co.uk
0131 202 7630

29/08/2026

Your Deposit & Things to Consider?

We do find as mortgage brokers the importance of the deposit and make up of that deposit can sometimes be underestimated by potential buyers.

Organising your deposit –
Having your deposit organised, understanding costs for the likes of solicitors and calculating any bonuses from Help to Buy or Lifetime ISA accounts are key considerations. You may have funds to draw down from trading accounts or Premium Bond accounts?

Receiving a gift? –
The origins of that deposit can be so important as different lenders have different criteria – some only allow the most immediate family such as parents, where some extend that to aunties and uncles etc..

Most lenders do not accept gifts from friends, but some do – there is typically very specific criteria around this particular type of gift so it is important you keep your mortgage adviser informed from the start of the process.

Funds from overseas? –
You may have savings or receiving a gift from a family member not in the UK. There can be additional financial costs to this due to additional checks. This can also take longer to organise for your solicitors due to these additional checks and procedures. Some lenders also do not accept funds from certain countries or regions.

Where you deposit comes from in general is an important consideration and critical information to be provided to your mortgage adviser from the outset to ensure your adviser can pre-empt any potential issues or hurdles.

Do not underestimate!!

**** This post is not to be taken as advice, please seek professional advice. ****

28/08/2026

⭐⭐⭐⭐⭐ Client Reviews

Thank you Destiny for leaving us this review.

Have you been declined by your bank? Declined by a broker?

Get in touch with us and see how we can help!

www.mortgagehavenuk.co.uk
0131 202 7630

30/07/2026

❔️ When should you remortgage?

We get asked all the time – when is the best time to remortgage?

Most residential mortgage holders will be on some sort of fixed rate mortgage deal which means towards the end of that deal you will need to look at your options to avoid falling onto the usually much higher Standard Variable Rate (SVR).

Depending on the situation there can be different options…

In theory, we can begin to look at mortgage options around 6 months in advance of your deal expiring. This would allow you to lock in a new deal as soon as possible which may be more suitable if you are concerned about future rate rises or if you are currently with a more specialist lender (and possibly now qualify for a more mainstream lender) and you would like to sort out the next steps as soon as possible.

The drawback of looking at securing your new deal 6 months in advance is we cannot usually take your current lender into consideration, so you are not able to look at all of your options - this is because most lenders allow just a 3 month window to lock in a new deal with them.

If your circumstances are more straightforward you may look to wait until 3 months before your deal expires to allow a full assessment of all your options including your current lender.

There is not a one-sized fits all solution to when to your remortgage and when to proceed – it is always important to receive advice around this to know the best course of action for your circumstances.

Get in touch with us and see how we can help!

www.mortgagehavenuk.co.uk
0131 202 7630

**** This post is not to be taken as advice, please seek professional advice. ****

28/07/2026

⭐⭐⭐⭐⭐ Client Reviews

Thank you Arturas for leaving us this review.

Have you been declined by your bank? Declined by a broker?

Get in touch with us and see how we can help!

www.mortgagehavenuk.co.uk
0131 202 7630

Address

11/34 Western Harbour Midway
Edinburgh
EH66LG

Website

http://Mortgagehavenuk.co.uk/

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