Bee Mortgage Wise

26/08/2026

🏠 Mortgage advice? Because winging it only gets you so far 😝

Maybe…

🐝 Your bank or another broker has told you something you didn’t want to hear - bigger deposit, can’t borrow enough, or you can’t get a mortgage.

🐝 Your current broker takes days to reply and is as helpful as a chocolate teapot.

🐝 You’re completely overwhelmed and have nae clue where to start and you know chat gbt does make mistakes!

🐝 You’ve had advice before, but you’re still not really sure how the whole thing works.

That’s where we come in. We’re experienced in both mortgages AND estate agency, so we understand the whole buying and selling process and we’ll be by your side every step of the way.

⭐️ We’ve got over 100 amazing reviews from people who were in your position before they spoke to us.

Don’t take our word for it take a look for yourself 👀🥰

Send us a message or call us on 01592 303283 to arrange your appointment for mortgage clarity.

Franki & the Bee Mortgage Wise team 🫶

Your home may be repossessed if you don’t keep up with your repayments!

24/08/2026

Looking for a new home for your family in a popular area of Glenrothes? 🏡

Take a look at our clients’ gorgeous property 😍👇

One of the loveliest parts of what we do is getting to be there for different stages of our clients’ lives. ❤️

We helped this lovely family buy this very home as first-time buyers, and now, years later, we’re helping them take the next step as they move on to their forever home. 🥹🏡

We absolutely love getting to see things come full circle like this! 🐝❤️

3 bedroom terraced house for sale in Dunbeath Drive, Glenrothes, KY7 for £114,995. Marketed by First for Homes, Glenrothes

13/08/2026

🚨 IS BUYING A HOME IS OUT OF YOUR REACH? READ THIS 🚨

The Scottish Government’s LIFT scheme is back and here's what its all about.

You buy the share of the home you can afford using your mortgage, deposit and savings.

The Scottish Government can contribute between 10% and 40% of the price.

For example:
🏡 The home costs £100,000
💷 Your share is £70,000
🤝 The Government contributes the other £30,000
A few lenders will even let you borrow up to 95% of your £70,000 share.
That means your deposit in this example could be just £3,500, not £5,000 based on the full property price.

You still get the whole house. Nobody from the Government is moving into the spare room. 😂

You don’t pay rent or monthly payments on the Government’s share, but it isn’t free money. The Government keeps the same percentage share in the property and will get that percentage of the sale price (if you decide to sell up, or valuation if you want to stay put and buy their share out).
So, what could this actually mean for you?

✅ Buying a suitable home while only having mortgage payments on the share you can afford
✅ Potentially buying with a much smaller deposit
✅ Being able to buy a home that wasn’t affordable based on your income alone
✅ Getting out of renting and into your own home sooner
✅ Buying somewhere that properly suits your needs, not just whatever happens to fall within your budget

The scheme is open to first-time buyers and certain priority groups, including:
🐝 Council and housing-association tenants
🐝 People with a disability who have a housing need
🐝 Members of the armed forces
🐝 Certain veterans and bereaved partners of service personnel
🐝 People aged over 60 with a housing need

How much help you receive depends on what you can afford yourself. It isn’t automatically 40%, and any mortgage or deposit will be subject to the lender’s usual checks and criteria.
There are rules around who qualifies, how much help you can get and which properties you can buy.
But we won’t bore you to sleep by listing every. single. detail. 🥱

Send Bee Mortgage Wise a message or give us a call on 01593 303293.

We’ll check your eligibility, explain the ins and outs and help you work out whether the scheme could actually help you. We’re always honest about these things… this scheme will not be the right choice for everyone!

Applications are open now and funding is limited so don’t wait too long! 🐝🏡

Your home may be repossessed if you do not keep up repayments on your mortgage.

11/08/2026

🐝 Mortgage deal ending in 2026?

If your plan is to ignore it until the month before and then panic…

We need to have a word. 😂

Even if your fixed deal doesn’t end until December, we can start looking at your options now.

We’ll check what your current lender can offer, shop around other lenders and get a suitable deal secured for you. 🔒

And no, securing something now doesn’t mean you’re stuck with it.

Rates drop? 📉
If you’re eligible for something better, we’ll check your options again.

Rates go up? 📈
You’ve already got something secured so your rate is protected.

Basically, you don’t need a crystal ball, a degree in economics or to check mortgage rates every five minutes.

You just need us to do the job for you. 👀🐝

Get in touch, future you will be glad you did 🥰

☎️ 01592 303293 or send us a message here!

Your home may be repossessed if you do not keep up repayments on your mortgage.

07/08/2026

Spoiled as usual ❤️

Thank you for our lovely gifts Kian & Abigail. I am obsessed that these flowers are actually wax melts.🫶.

Congratulations to all of our movers today; as always thanks again for choosing to support our family business and we wish all the very best in your new homes.

The Bee Mortgage Wise Team 🐝🥰

06/08/2026

🚗 When was the last time you gave your mortgage an MOT?

You wouldn’t drive your car for years without getting it checked… so why not test your mortgage? 🤔

Your mortgage should be reviewed regularly to make sure it’s still working for you.

A quick mortgage review could help you:
🐝 Reduce your monthly payments
🐝 Find a deal that’s better suited to your circumstances
🐝 Plan ahead before your current rate ends
🐝 Make sure you’re not paying more than you need to

📩 Don’t through away your hard earned cash. Drop us a message to get your mortgage reviewed to make sure it’s working properly for you.

Your home may be repossessed if you don’t keep up with your mortgage repayments.

06/08/2026

We’re closing a little early today at 3.30pm but we’re back open at 9am tomorrow.

Thanks for your understanding ❤️🐝

30/07/2026

We're really really sorry but ....office will be closed on Monday 3rd August for the Scottish Summer Bank Holiday.🐝

We'll be back from 11:00am on Tuesday 4th August ready to tackle your mortgage questions.🥰

If you're thinking about buying or reviewing your mortgage, feel free to send us a wee message over the weekend to arrange a new appointment and we’ll get back to you as soon as we're back in the office.

Have a brilliant Bank Holiday everyone! ☀️🍻 (or ☀️☕ if you're the sensible type!)

Your home may be repossessed if you don't keep up with your monthly repayments.

27/07/2026

We’ve had loads of new followers recently thanks to all your recommendations on local community pages - thank you everyone! ❤️

So I thought I’d introduce myself to those who don’t know me. I’m Franki. 👋

I started Bee Mortgage Wise back in 2020 from after spending a number of years working for a larger firm. Before that, I worked in estate agency negotiating offers (and lettings… although I wasn’t a fan to be honest and was forever trying to dodge lettings if I got away with it🤣).

I genuinely love what I do. I’m so proud of what we’ve built over the last six years, and renovating our office on St Clair Street in Kirkcaldy, just around the corner from where I grew up, is one of my proudest achievements. Taking an empty unit and giving it a new lease of life was really special and St Clair Street is looking great too.

I’d like to think we give back to our local community where we can too. I’m just not one for shouting about it. I think you can quietly support people without needing to tell everyone, and sometimes the good deed becomes more about the post than the act itself.

When I’m not working, you’ll usually find me with my 3 year old daughter. We’re either at a park, making magic potions 🧙, or I’m breaking my back chasing her round soft play! Every now and then you’ll spot me out in the town with my husband and pals too… I’m partial to a wee vino. 🍷

A few years ago I convinced my dad to come and work with me. Thankfully he said yes! He loves helping our clients just as much as I do, and he also makes a braw cup of tea.

Douglas joined the team in October 2025 and has been a brilliant addition.

Most recently, Nicola joined us and keeps the wheels turning behind the scenes, making sure everything runs smoothly for both us and our clients.

We’re a happy wee team, and we genuinely enjoy coming to work every day and helping people through what can often be one of the biggest decisions they’ll ever make.

Thanks for following along and supporting our little business. It honestly means the world. ❤️