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Monday 9am - 7pm Tuesday 9am - 5:30pm Wednesday 9am - 5:30pm Thursday 9am - 5:30pm Friday 9am - 5pm

Mortgage Time

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Local Mortgage and Protection advisers based in Edinburgh covering the whole of Scotland.

Experienced and Knowledgeable team of advisers offering in office and remote appointments.

16/10/2026

Thank you so much to Chris Cherry's recent client for leaving this wonderful review of his services.

We are pleased that we can help on both your residential and buy to let properties!

If you want a service like this then get in touch!

⌨️ Mortgage Time
📧 [email protected]
📞 0131 334 0992

Your home/property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £199 to £299 and this will be discussed and agreed with you at the earliest opportunity.

15/10/2026

🚨 THE LIFT SCHEME IS BACK🚨

Are you a First Time Buyer looking for a ✨LIFT✨ onto the property ladder?!

The LIFT scheme could be the one for you! 🏠 The LIFT Scheme is a very popular government scheme and so funding can go very quickly for this so if this is something you are interested in we suggest speaking to our advisers as soon as possible.

Get in touch with one of our qualified and experienced advisers today who can help guide you through the whole process of the LIFT scheme and can answer any questions you might have!

⌨️ Mortgage Time
📧 [email protected]
📞 0131 334 0992

www.mortgage-time.co.uk

Your home/property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £199 to £299 and this will be discussed and agreed with you at the earliest opportunity

13/10/2026

🏠 MORTGAGE MYTH OR MORTGAGE TRUTH? 🏠

Sometimes the home buying process can seem confusing and when someone's uncle from down the pub tells you his mortgage advice .... it isn't always right.

Want to know the truths from the myths? Speak to our experienced and qualified advisers at Mortgage Time who will provide you with the most suitable advice based on your own personal circumstances.

⌨️ Mortgage Time
📧 [email protected]
📞 0131 334 0992

Your home/property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £199 to £299 and this will be discussed and agreed with you at the earliest opportunity.

09/10/2026

Thank you so much to Crysta Wyse at Mortgage Time recent client who took the time to leave this wonderful review.

We are absolutely delighted when friends and family recommend us and then to see we were able to provide the same great service and advice too!

We wish you all the happiness in your new home!

05/10/2026

🚨 THE SCOTTISH FIRST HOME FUND 🚨

Are you a First Time Buyer struggling to get your deposit together for your first home?! This might be the one for you!

Applications are now open - get in touch with us now to secure your Decision in Principle!

More Information: https://www.mygov.scot/first-homes-fund/apply

⌨️ Mortgage Time
📧 [email protected]
📞 0131 334 0992

Your home/property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £199 to £299 and this will be discussed and agreed with you at the earliest opportunity.

02/10/2026

🏡 Thinking about buying a home? Start with a Decision in Principle (DIP).

A Decision in Principle is one of the smartest first steps you can take before house hunting.

✅ It gives you an indication of how much you may be able to borrow.
✅ It shows estate agents and sellers that you're a serious buyer.
✅ It helps you focus your search on properties within your budget.
✅ It can speed up the mortgage application process once you find your dream home.

Best of all, getting a Decision in Principle doesn't commit you to taking out a mortgage.

⌨️ Mortgage Time
📧 [email protected]
📞 0131 334 0992

Your home/property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £199 to £299 and this will be discussed and agreed with you at the earliest opportunity.

01/10/2026

🍂 Hello October!

A new month, a change of season… and for some, a new chapter could be just around the corner. 🏡

If buying your first home, moving house, or reviewing your mortgage is on your list before the end of the year, October is a great time to start planning.

Whether you're:
🔑 A first-time buyer wondering what you can afford
🏠 Looking to move in Edinburgh or beyond
💷 Saving for a deposit and not sure if you’re ready
📈 Coming to the end of your current fixed-rate deal
🤔 Unsure whether your mortgage is still right for you

It doesn't hurt to have a conversation early.

The sooner you understand your options, the more time you have to get yourself mortgage-ready and make a plan — without the pressure of leaving everything until the last minute.

⌨️ Mortgage Time
📧 [email protected]
📞 0131 334 0992

Your home/property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £199 to £299 and this will be discussed and agreed with you at the earliest opportunity.

28/09/2026

If you have been watching the news the past few weeks you might have noticed there has been reporting of mortgage interest rates rising and so you might be asking ....

🏠 WHY ARE MORTGAGE RATES RISING?

You may have noticed mortgage rates creeping back up recently and wondered why, especially when the Bank of England hasn’t increased Bank Rate.

The simple answer is inflation and market expectations.

⛽ Rising energy prices are putting pressure on household and business costs, which could push inflation higher. UK inflation is already above the Bank of England’s 2% target.

📈 As a result, financial markets are becoming less confident about how quickly interest rates can fall — and this feeds into the cost of fixed-rate mortgages.

So, even though Bank Rate remains at 3.75%, fixed mortgage rates can still rise.

If your mortgage is coming up for renewal, or you're thinking about buying, it’s worth keeping an eye on the market rather than assuming rates will automatically continue to fall.

Our qualified and experienced Mortgage and Protection advisers and ready and waiting to discuss your own personal circumstances and guide you on the most suitable way forward - mortgage advice from the right people is more important than ever now!

⌨️ Mortgage Time
📧 [email protected]
📞 0131 334 0992

Your home/property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £199 to £299 and this will be discussed and agreed with you at the earliest opportunity.

25/09/2026

Wow! This review for our Senior Mortgage and Protection Adviser Chris is just outstanding! Unfortunately we couldn't even fit into one post so have continued it below:

His communication throughout was fantastic. He kept us informed at every stage and made what can be a complicated and sometimes daunting process feel incredibly easy and manageable. His knowledge and professionalism really stood out, but it was also his personal approach and genuine care that made such a difference.

We are absolutely delighted with the service we received and so grateful to Chris for all his hard work in helping us with our mortgage and protection. We felt completely confident that we were in safe hands from start to finish.

A huge thank you to Chris Cherry, Senior Mortgage and Insurance Adviser, and the whole Mortgage Time team. We wouldn’t hesitate to recommend Chris to anyone looking for mortgage advice, and we will definitely be coming back to him in the future.

We are so pleased that the impact Chris had lead his client to leave such a wonderful and in depth review!

⌨️ Mortgage Time
📧 [email protected]
📞 0131 334 0992

Your home/property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £199 to £299 and this will be discussed and agreed with you at the earliest opportunity.

Address

221-223 Balgreen Road
Edinburgh
EH112RZ

Opening Hours

Monday	9am - 7pm
Tuesday	9am - 5:30pm
Wednesday	9am - 5:30pm
Thursday	9am - 5:30pm
Friday	9am - 5pm

Telephone

+441313340992

Website

http://www.mortgage-time.co.uk/

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