Randal McLister - Mortgage and Protection Broker

Randal McLister - Mortgage and Protection Broker Mortgage Broker | 📍Edinburgh & the UK
Helping people understand their options when buying, moving or remortgaging
Clear, straightforward advice

House prices are easing, but mortgage rates are heading up.New figures out today from the Lloyds House Price Index (form...
07/09/2026

House prices are easing, but mortgage rates are heading up.

New figures out today from the Lloyds House Price Index (formerly Halifax) show UK house prices fell slightly in August, down -0.2% to an average of £298,468, the first annual price fall since November 2023.

At the same time, several major lenders, including Foundation Home Loans, Barclays, TSB and Santander, are raising their mortgage rates from tomorrow, Tuesday 8 September.

If you're due to remortgage soon, now's the time to get your documents together and speak to us about locking in a rate before it changes.
Message Munro Mortgages today to talk through your options.

Two mortgages, two fees, two direct debits, double the admin. Or is there a simpler way?Clients came to us wanting to re...
07/09/2026

Two mortgages, two fees, two direct debits, double the admin. Or is there a simpler way?

Clients came to us wanting to remortgage two separate properties. On review, we found we could actually combine them into one mortgage using something called a debt shift, moving the debt from their buy to let property onto their residential property.

Simpler for them and one less thing to keep track of every month.

If you've got more than one mortgage on the go, it's always worth considering whether there may be a more efficient way.

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.

04/09/2026

Buying your first home is challenging enough. Add an overseas gifted deposit and incorrect advice from a previous broker, and it can quickly feel overwhelming.

These first time buyers came to us after being told the wrong information elsewhere and were worried their house purchase could fall through.

After taking the time to understand exactly what had happened, we found a suitable lender, guided them through every step of the process, and secured a mortgage offer within just two weeks of application.

Clear communication, expert advice, and solutions tailored to each client's circumstances can make all the difference.

Thank you for the fantastic feedback ⭐

"Randal took the time to understand our situation, explained everything clearly, and found the best solution for us. Within two weeks of applying, we had our mortgage offer. 10/10 service."

Munro Mortgages lastest blog is here 👇If you are coming to the end of a fixed rate or tracker deal, it's easy to assume ...
03/09/2026

Munro Mortgages lastest blog is here 👇

If you are coming to the end of a fixed rate or tracker deal, it's easy to assume a remortgage is...

Want to know more?🤙07894 268 018 or ✉️ [email protected]

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Did you know you can remortgage a property you own outright to help buy somewhere new, without taking a mortgage on the ...
01/09/2026

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%...
25/08/2026

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."

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+447375921664

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