Phil Anderson Financial Services
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Mortgage advice

We find you the right mortgage and handle the paperwork, from first enquiry to getting the keys. We search the whole market, explain every option in plain English and can meet you at home, in the office or online.

Kevin Philip Answered byKevin PhilipFinancial Adviser, Mortgage Adviser and Equity Release Specialist Trusted since 2011 · read client stories
Who we help
First-time buyers, home movers, remortgages, buy to let, self-build and complex cases
Market access
Whole of market, thousands of mortgage deals
Our fee
£250 on purchase applications, £100 on remortgages, refunded if the lender declines
Where
Ellon, Aberdeen and Wick offices, home visits across Aberdeenshire and Caithness, or video call

What does a mortgage adviser do for me?

We look at your income, deposit and plans, then compare deals from across the market to find the one that suits you. We check you meet the lender’s criteria before we apply, so you are less likely to be declined.

Once you choose a deal, we submit the application, chase the lender and keep your solicitor and estate agent up to date. You get one person to call, start to finish.

“What you did for us took all the worry away and answered all the questions.”
Katrina, Orkney

Which mortgages can you help with?

Buying a home

  • First-time buyers
  • Home movers
  • New build properties
  • Help to Buy Scotland
  • Help to Buy new build mortgages
  • Scottish Government LIFT scheme
  • Open Market Shared Equity
  • Shared equity
  • Shared ownership
  • MI New Home scheme
  • Family purchase
  • Guarantor mortgages

Your existing mortgage

  • Remortgages
  • Further advances
  • Debt consolidation
  • Offset mortgages
  • Flexible mortgages
  • Fee-free mortgages
  • Secured loans
  • Divorce and separation

Property and investment

  • Buy to let mortgages
  • Limited company buy to let
  • Self-build mortgages
  • Commercial mortgages
  • Guest houses and B&Bs
  • Overseas mortgages

Your circumstances

  • Contractor mortgages
  • Mortgages for expats
  • Mortgages for foreign nationals
  • Equity release*

How does it work?

  1. Tell us what you needFill in the short form or call us. An adviser calls you back.
  2. Free first meetingWe talk through your situation at home, in the office or by video. No cost and no obligation.
  3. We find your mortgageWe search the market, explain the options and recommend the best fit.
  4. We handle the applicationWe deal with the lender, solicitor and estate agent until your mortgage completes.

Mortgage advice: your questions answered

How much does mortgage advice cost?

We charge £250 when you apply for a mortgage to buy a property and £100 when you apply for a remortgage. If the lender rejects your application, we refund the fee in full. Your first meeting is free.

Do you search the whole mortgage market?

Yes. We have access to thousands of mortgage deals from across the market, so we can find one that suits your circumstances rather than one bank’s products.

Can you visit me at home?

Yes. We offer home and evening appointments across Aberdeen, Aberdeenshire and Caithness, and we can also meet by phone, Zoom, Teams or WhatsApp.

Can you help with the Scottish LIFT scheme or Help to Buy Scotland?

Yes. We advise on the Scottish Government LIFT scheme, Open Market Shared Equity and Help to Buy Scotland, and can tell you whether you are likely to qualify.

Do you also arrange protection for my mortgage?

Yes. Our mortgage advisers also advise on life insurance, critical illness cover and income protection, so the mortgage can be paid if the worst happens.

Who will I speak to?

Kevin PhilipFinancial Adviser, Mortgage Adviser and Equity Release SpecialistPhil AndersonFounder and DirectorLaura StephenMortgage AdviserLewis JacksonMortgage AdviserKayleigh RossFinancial Planner and Mortgage Adviser
“You went the extra mile in my case as it was long-distance and a very quick turnaround.”
Sara, Edinburgh
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Last reviewed November 2026