Munro Mortgages

Munro Mortgages Munro Mortgages | Independent Mortgage & Protection Advice | Edinburgh & UK. Tailored, FCA-regulated service that suits your life.

Randal McLister provides expert whole-of-market advice for First-Time Buyers, Home Movers, Remortgage, BTL & Self-Employed.

Did you know you can remortgage a property you own outright to help buy somewhere new, without taking a mortgage on the ...
03/09/2026

Did you know you can remortgage a property you own outright to help buy somewhere new, without taking a mortgage on the new place?

That's exactly what we did for a client who owned their Edinburgh home mortgage free and wanted to move to a family home outside the city. Using a let to buy remortgage, we released some equity from their existing home, which, combined with their savings, gave them the deposit to buy their new place outright.

Owning your home outright doesn't mean your options are limited. Often it means you have more of them.

This post is for information only and does not constitute financial or mortgage advice. Your home may be repossessed if you do not keep up repayments on your mortgage. Munro Mortgages is directly authorised and regulated by the Financial Conduct Authority (FCA), FCA number 1054427.

28/08/2026

Home improvements can be exciting, but arranging additional borrowing isn't always straightforward.

This client needed a further advance on their existing mortgage to fund home improvements and wanted support throughout the application process.

From managing lender requirements to resolving queries as they arose, we worked closely together to keep everything moving forward and ensure the application progressed as smoothly as possible.

Thank you for the fantastic feedback ⭐

"Randal successfully arranged my additional mortgage borrowing application for home improvements, kept me up to date throughout the process, and helped me resolve the lender's requirements and queries along the way."

Coming off a low fixed rate soon? You're definitely not alone.We're seeing a lot of clients moving from rates of 1 to 3%...
27/08/2026

Coming off a low fixed rate soon? You're definitely not alone.

We're seeing a lot of clients moving from rates of 1 to 3% into today's market, a jump that can feel like a shock. But there's a smart way to handle it.

We recently helped a client reserve their new rate six months before their current deal ended, giving them protection early. Then we kept an eye on the market the whole time, so when rates moved, we switched them to something even better before their new mortgage even started.

If your deal is ending in the next year, don't wait until the last minute. Exploring your options early can provide more flexibility.

This post is for information only and does not constitute financial or mortgage advice. Your home may be repossessed if you do not keep up repayments on your mortgage. Munro Mortgages is directly authorised and regulated by the Financial Conduct Authority (FCA), FCA number 1054427.

21/08/2026

Moving home can be stressful enough, especially when you're selling and buying at the same time.

This client was navigating their first house move and wanted support through both the mortgage process and the wider logistics involved.

By providing clear advice, regular communication, and guidance at every stage, we helped make the process more manageable and gave them confidence throughout their move.

Thank you for the fantastic feedback ⭐

"Randal is extremely knowledgeable on mortgages and all the related logistics, and this is combined with his excellent communications. Highly recommended."

14/08/2026

Not every mortgage journey is straightforward.

These clients found out they couldn't port their existing mortgage to their new property, and with one applicant having been self-employed for less than 12 months, it would have been easy to assume options were limited.

Fortunately, that's where expert advice matters.

We sourced a solution, guided them through every step, and helped secure a mortgage for their new home.

Thank you for the fantastic review ⭐

It was quite the week, last week.Between business meetings in London and the work involved following Munro Mortgages bec...
12/08/2026

It was quite the week, last week.

Between business meetings in London and the work involved following Munro Mortgages becoming directly authorised, there hasn't been much downtime.

So it was great to spend part of the weekend outdoors, climbing a couple more Munros in the Cairngorms and making the most of the fantastic weather.

Sometimes taking a step back and looking at the bigger picture is exactly what's needed.

Here to help clients with first time buyer mortgages, remortgages and home moves across Scotland.

If you're looking for straightforward mortgage advice, feel free to get in touch.

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Edinburgh

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

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