Mortgages
First-time Buyers
Cailean will find the right mortgage to buy your first home

When you are ready to start your search for your first home, you’ll need to know exactly how much you can afford from the outset. 

At Cailean,we’ll help you find the right mortgage product by taking time to carefully understand your financial circumstances and your specific requirements. 

That’s the reason we don’t have one-size-fits-all mortgage calculators on our website because, when it comes to mortgages, one size doesn’t fit all, everyone’s circumstances are different. 

Cailean will find a mortgage that is tailored to your needs, one that measures up to your own individual circumstances. 

Cailean will search the whole market and, because we are independent mortgage brokers, we can often secure better rates than are available to you if you go to lenders directly. As mortgage experts, we at Cailean will provide honest, professional advice and support every step of the way.  
Moving Home 
Considering a move? Now's the perfect time to review your mortgage options with Cailean

There are many reasons for moving home - a new job, starting a family and upsizing or retiring and downsizing. 

Whatever the reason, if you are an existing home-owner thinking about moving, now’s a great time to review your mortgage arrangements to ensure you are getting the best possible deal.

As mortgage experts who genuinely care about achieving the best outcomes for their clients, Caileanare very well placed to help. Cailean will take great care to understand your circumstances and requirements before searching the whole market to find the right mortgage for you, with advice tailored to your specific needs.

As independent mortgage brokers, we are not only fully up-to-date with the numerous mortgage products available, but can often secure better deals for you than if you approach lenders directly.

Cailean will always provide professional, honest advice every step of the way.
Remortgaging 
Considering remortgaging? Talk to Cailean's independent mortgage experts first.

The idea of switching utilities suppliers for a better deal has become increasingly common these days. But more and more borrowers are also remortgaging from time to time in order to benefit from new rates or products which become available.  

There are also many other reasons homeowners may consider remortgaging - to raise a large sum of money, consolidate debts or to pay for an extension to your existing home rather than having to move. 

But there are several things to consider. If a remortgage takes out a significant proportion of a property’s value, there may be a higher lender charge, penalties for leaving a mortgage before it comes to term, lender’s arrangement fees and valuation fees as well as legal fees.

At Cailean, our independent mortgage experts can carefully guide you through the process to ensure that you get the very best deal available. We know the mortgage market inside out and can often secure more competitive rates than if you go to lenders direct.

If you are seeking to raise money on the value of your home or are considering remortgaging to get a better deal, talk to our mortgage experts first.
Buy-to-Let
Let Cailean's experts guide you through the whole process of buy-to-let mortgages

If you are considering a buy-to-let mortgage with the intention of renting out a property to a third party, it is important to seek professional advice first because there is a great deal to take into account.

Buy-to-let mortgages are generally between 1-2% higher and the minimum deposit required is around 20% of the loan value. In addition, you need to consider the potential rental income as this can affect the amount a lender is prepared to offer. 

Lenders may also impose other restrictions such as minimum age, whether you are an existing home-owner and whether you are a UK resident. You will, however, be eligible for a range of tax deductibles.

At Cailean, our mortgage experts will guide you through the whole process of buy-to-let mortgages and find the best deal for you.

A buy-to-let property can make a great deal of sense, depending on your circumstances. There is a great deal to consider first and that's why it pays to seek professional, independent advice. At Cailean, our mortgage experts will guide you through the whole process and find the best deal for you.
Commercial Mortgages
Cailean's mortgage experts will find the right commercial mortgage for your business needs

Commercial mortgages are still available in the current market, but finding the right solution can be a challenge. That’s why it pays to consult an independent mortgage adviser.

At Cailean, our mortgage experts can help you to find the right commercial mortgage and will tailor advice to your specific needs.

Interest rates and fees on a commercial mortgage will depend on the level of security offered such as residential properties or property portfolios.

Cailean will work with you to understand your specific requirements before searching the whole market for the most suitable commercial mortgage for you. Our advisers can also assist you with bridging finance and development finance. Commercial Buy to Let and Commercial Mortgages are not regulated by the Financial Conduct Authority (FCA).
Honest, Professional Advice
Cailean will always provide professional, honest advice and support every step of the way. Whether you are a first-time buyer or are moving home, contact us today on 0131 510 1971 or email us at hello@caileanmortgages.com for an informal chat. 

Our initial consultation is free. Remember, there is absolutely no obligation on your part and no high pressure tactics on ours, just expert, honest advice. 

And, what’s more, we never share your details with third parties for marketing purposes either.
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