Tony Flynn Mortgages

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Tony Flynn Mortgages Mortgage and protection adviser based in Carluke, helping first-time buyers across Lanarkshire.

𝗛𝗘𝗥𝗘 𝗜𝗦 𝗪𝗛𝗔𝗧 𝗪𝗘 𝗛𝗘𝗟𝗣 𝗪𝗜𝗧𝗛

5% 𝘋𝘦𝘱𝘰𝘴𝘪𝘵𝘴
𝘎𝘰𝘷𝘦𝘳𝘯𝘮𝘦𝘯𝘵 𝘈𝘴𝘴𝘪𝘴𝘵𝘢𝘯𝘤𝘦
𝘎𝘶𝘢𝘳𝘢𝘯𝘵𝘰𝘳 𝘔𝘰𝘳𝘵𝘨𝘢𝘨𝘦𝘴
𝘈𝘥𝘥𝘪𝘵𝘪𝘰𝘯𝘢𝘭 𝘍𝘪𝘯𝘢𝘯𝘤𝘦 𝘧𝘰𝘳 𝘏𝘰𝘮𝘦 𝘐𝘮𝘱𝘳𝘰𝘷𝘦𝘮𝘦𝘯𝘵𝘴/𝘋𝘦𝘣𝘵 𝘊𝘰𝘯𝘴𝘰𝘭𝘪𝘥𝘢𝘵𝘪𝘰𝘯
𝘏𝘰𝘮𝘦 𝘔𝘰𝘷𝘦𝘳/𝘙𝘦𝘮𝘰𝘳𝘵𝘨𝘢𝘨𝘦
𝘚𝘦𝘭𝘧 𝘌𝘮𝘱𝘭𝘰𝘺𝘦𝘥 𝘚𝘰𝘭𝘦 𝘛𝘳𝘢𝘥𝘦𝘳/𝘓𝘪𝘮𝘪𝘵𝘦𝘥 𝘊𝘰𝘮𝘱𝘢𝘯𝘺 𝘉𝘶𝘴𝘪𝘯𝘦𝘴𝘴 𝘖𝘸𝘯𝘦𝘳𝘴/𝘊𝘰𝘯𝘵𝘳𝘢𝘤𝘵𝘰𝘳𝘴/𝘊𝘐𝘚
𝘌𝘹𝘤𝘭𝘶𝘴𝘪𝘷𝘦 𝘋𝘦𝘢𝘭𝘴
𝘚𝘱𝘰𝘳𝘵𝘴 𝘗𝘳𝘰𝘧𝘦𝘴𝘴𝘪𝘰𝘯𝘢𝘭𝘴

Friday at last 🎉 What a week.This week on the page:📌 How much deposit first-time buyers really need📌 Buying a home in Sc...
16/10/2026

Friday at last 🎉 What a week.

This week on the page:
📌 How much deposit first-time buyers really need
📌 Buying a home in Scotland step by step
🎬 Reel: Buying in Scotland in 30 seconds

✅Client with poor credit buying at a discount with a mortgage offer in this week.
✅Client porting their mortgage to their new home and avoiding the early repayment charge
✅Client approved in principle, previously declined by their bank because of poor credit approved with a 10% deposit.

More cracking reviews from our amazing clients.

Sunday we ended up with a last minute babysitter and decided to hit the town. It was certainly needed to set us up for this week with the schools being off.

Have a good weekend, folks.

15/10/2026

Buying your first home doesn’t have to be complicated. 🏡

Most first-time buyers start the process in the wrong order.

Here’s the simple way to do it:

✅ 1. Find out how much you could borrow�This gives you a clear idea of what price range to focus on and which properties are realistically within reach.

✅ 2. Work out the monthly costs�Just because a lender is willing to lend a certain amount doesn’t mean it’s right for your budget. Make sure you’re comfortable with the monthly repayments before moving forward.

✅ 3. Get a Mortgage in Principle (MIP)�At this stage, you’ll know how much you can borrow and what it could cost each month. A Mortgage in Principle also puts you in a stronger position when you’re ready to make an offer.

✅ 4. Find the right property and make an offer�Once you’ve found the home you love and your offer is accepted, it’s time to move to the next step.

✅ 5. Apply for the mortgage�After your application is submitted, it’s mainly a case of waiting for the mortgage offer and letting your solicitor handle the legal work.

That’s it. Five simple stages that can make the whole home-buying journey much smoother and far less stressful. 🙌

Thinking about buying your first home? Drop me a message and I’d be happy to help guide you through the process. 📩

Midweek myth check ☕Something I heard again this week is that you can’t get a mortgage as a probationary teacherThe real...
14/10/2026

Midweek myth check ☕

Something I heard again this week is that you can’t get a mortgage as a probationary teacher

The reality: There are options out there. I managed to sort out 2 mortgage in principles in the last few weeks for probationary teachers without any issues.

Here are some ways we have helped teachers recently

✅Probationary Teachers
✅Fixed Term Contract Teachers
✅5% Deposit

Enjoy the rest of your week

TF

⭐⭐⭐⭐⭐ First home, sorted! 🏡Buying your first home can feel overwhelming, so it means the world to hear this from Geo:“To...
13/10/2026

⭐⭐⭐⭐⭐ First home, sorted! 🏡

Buying your first home can feel overwhelming, so it means the world to hear this from Geo:

“Tony has been absolutely fantastic from start to finish... We genuinely don’t know what we would have done without him!”

Thank you so much for the kind words, Geo. It was a pleasure helping you get the keys, and I wish you every happiness in your new home 💙



https://maps.app.goo.gl/z8Y3tQfSe52Q8QuDA

Buying in Scotland has its own process and its own words for things 🏴1️⃣ Note of interest: your solicitor tells the sell...
13/10/2026

Buying in Scotland has its own process and its own words for things 🏴

1️⃣ Note of interest: your solicitor tells the seller's agent you're interested
2️⃣ Closing date: set when there's enough interest, offers go in by a fixed time
3️⃣ Offer: made through your solicitor, not straight to the seller
4️⃣ Missives: letters between solicitors that form the contract
5️⃣ Date of entry: the day the keys are yours

Once missives are concluded, the deal is legally binding on both sides.

Think you need 10% saved before anyone will talk to you? You might be wrong.Most first-time buyers I speak to assume the...
12/10/2026

Think you need 10% saved before anyone will talk to you? You might be wrong.

Most first-time buyers I speak to assume they need 10%, some think 20%, sitting in the bank before they can even start looking. That's not really true anymore.

✅ A 5% deposit is often possible
✅ In certain circumstances, even under 5% can work
✅ It depends on your income, credit history, and the property

I've put together a free guide covering the routes people actually use, gifted deposits, 5% routes, and two options worth thinking twice about. Link below 👇

Get the guide -> https://tfmortgages.co.uk/first-time-buyer-deposit-guide/

Comment “DEPOSIT” below and I'll DM you the free guide covering every route people actually use to get their deposit together 💬



⚠️ Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed. The actual amount you pay will depend upon your circumstances.

08/10/2026

A lot of people think they need a full 10% deposit to buy their first home, and it holds them back. The truth: 5% is often possible, and in certain circumstances even less than 5% can be available, depending on your situation and the lender. Don't write yourself off before you've asked. Save this or tag someone who's saving.

Such a class end to the day, another 5 star Google review rolling in! ⭐
07/10/2026

Such a class end to the day, another 5 star Google review rolling in! ⭐

“Stress-free from start to finish. ⭐⭐⭐⭐⭐ Thank you Steven, delighted we could help you secure your forever home! 🏡”
07/10/2026

“Stress-free from start to finish. ⭐⭐⭐⭐⭐ Thank you Steven, delighted we could help you secure your forever home! 🏡”

Address

Hamilton Street
Hamilton
ML84HG

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+447383840703

Website

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