About the Business

Lothian Mortgage Services, was set up by Ken Montgomery who, having spent over 10 years working for one of the largest financial services companies in the country, made the decision to set up his own mortgage broker firm so that he could offer truly independent financial advice that wasn’t limited to a firm’s own particular products.

Ken is a fully trained and qualified mortgage broker, who has over 30 years of experience in the financial industry. He takes pride in his personal approach to the quality of the advice and service he gives his clients. The one to one approach means that the mortgage broker that starts the process with you, will be there right through to completion – something you don’t always get when you go to a larger institution.

Ken provides advice and assistance at his office in Bathgate, via phone or email, or is more than happy to come and visit you at your home throughout Edinburgh, The Lothians and Glasgow. Within the industry, he is regarded as the No 1 mortgage broker Edinburgh wide.

Business Services

High Quality Mortgage Advice

High Quality Mortgage Advice

Here at Lothian Mortgage Services, we appreciate that the mortgage market can be very overwhelming at times, so you need a Mortgage Advisor that will give you the best impartial Mortgage Advice possible – based on your individual needs, affordability and circumstances. To do that properly, you need an Independent Mortgage Advisor that is able to access the entire market place so that you get the right mortgage product.

Our Mortgage Advisors can find a mortgage to suit you!

Every new client that comes to Lothian Mortgage Services is different from the last. Therefore, you need an advisor that will give you advice and guidance on the products that are best suited to your situation and needs.

We specialise in providing advice and guidance on mortgages for a variety of reasons:

  • First Time Buyers.
  • Re-Mortgaging to release equity / raise capital.
  • Re-Mortgaging to get a better deal.
  • Secured Loans.

We also give specialist mortgage advice for clients that have Poor Credit, or are Purchasing Overseas Property – something that isn’t always possible from the banks, particularly for impaired credit mortgages.

First Time Buyer Mortgages

First Time Buyer Mortgages

Getting your foot on the first rung of the property ladder shouldn’t be an impossible dream. First time buyer mortgages are something that we specialise here at Lothian Mortgage Services and have a very high success rate of securing First time buyer mortgages.

As independent mortgage brokers, we have access to the whole market, which means we have the greatest chance of finding a first time buyer mortgage for you. Every lender has different lending criteria, so our experience allows us to find the lender that best suits your circumstances.

By taking all of your personal circumstances into account, we can identify the lenders and products that you are most likely to be accepted for.
Location & Hours

14 Albany Street, Edinburgh

Edinburgh, EH1 3QB
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