---
title: "Mortgage Advisers in Aberdeen, Ellon and Caithness | Phil Anderson Financial Services"
url: https://www.philandersonfinancial.co.uk/mortgages/
description: "Independent mortgage advice for first-time buyers, home movers, remortgages and buy to let. We search the whole market and can visit you at home."
updated: 2026-11-04
publisher: Phil Anderson Financial Services (FCA 631218)
---

# 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.

- **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?

- **Tell us what you need**Fill in the short form or call us. An adviser calls you back.
- **Free first meeting**We talk through your situation at home, in the office or by video. No cost and no obligation.
- **We find your mortgage**We search the market, explain the options and recommend the best fit.
- **We handle the application**We 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 Philip Financial Adviser, Mortgage Adviser and Equity Release Specialist](/meet-our-team/#kevin-philip)[Phil Anderson Founder and Director](/meet-our-team/#phil-anderson)[Laura Stephen Mortgage Adviser](/meet-our-team/#laura-stephen)[Lewis Jackson Mortgage Adviser](/meet-our-team/#lewis-jackson)[Kayleigh Ross Financial Planner and Mortgage Adviser](/meet-our-team/#kayleigh-ross)

> “You went the extra mile in my case as it was long-distance and a very quick turnaround.” (Sara, Edinburgh)

      [Speak to an adviser](#enquiry)

Last reviewed November 2026

Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

Some mortgages are not regulated by the Financial Conduct Authority. Please get in touch to find out more.

A fee of £250 is payable when you apply for a mortgage when purchasing a property. A fee of £100 is payable when you apply for a remortgage. We offer a full refund if the lender rejects your application.

To understand the features and risks associated with equity release, please ask us for a personalised illustration.

    [Trusted since 2011 · read client stories](/testimonials/)

> “We were on a very tight deadline and Neil made it his priority to get our mortgage set up quickly and efficiently.” (Alana, Aberdeen)