Experts 4 Mortgages

Experts 4 Mortgages: personal mortgage brokerage in Edinburgh

Experts 4 Mortgages is a mortgage brokerage led by Daniel McLardy, operating under the trading style of Daniel McLardy, an appointed representative of Stonebridge Mortgage Solutions Ltd, an entity authorised and regulated by the Financial Conduct Authority (FCA) under reference number 814866. Its local market is Edinburgh and Lothian, although it arranges mortgages throughout the UK.

The service is built around a single personal adviser who supports the client throughout the entire process, from application to completion. The firm states it has full access to the lender market, including limited distribution lenders that only accept clients referred by trusted partners.

Mortgage products

The firm's range covers various types of financing:

• First-time buyer mortgages
• Remortgage
• Moving home
• Buy to let
• New build
• Complex mortgages
• Repatriation mortgages
• Junior doctors and locum doctors
• Limited company directors
• Self-employed and sole traders
• Fixed-term employment
• RIO (Retirement Interest Only) and equity release

Protection and insurance

In addition to mortgage intermediation, the firm advises on home protection solutions. Available products include life insurance, critical illness cover, income protection and accident, sickness and unemployment (ASU) insurance. It also offers home and contents insurance. The firm warns that all insurance policies are subject to conditions and exclusions.

Advice approach

The company maintains that its knowledge of lender criteria allows it to solve problems and avoid application pitfalls. It presents itself as an alternative to dealing directly with a financial institution, arguing that personal service speeds up the process and reduces the risk of rejected applications. Its service promises include clear communication without jargon, availability to answer questions, updates on application status, confidentiality in accordance with data protection regulations and full handling of the application on the client's behalf.

The process described includes one or two face-to-face meetings, income and identity verification, submission of documentation to the lender and follow-up through to the formal offer. The firm states it has dedicated account representatives at lending institutions, which allows it to know the status of the application and act during the underwriting process.

Resources for buyers in Scotland

The website includes guides and articles written by Daniel McLardy on buying a home in Scotland, the difference between price and valuation (home report), buying a new build, the risks of mortgage portability and preparing an offer. This content addresses particularities of the Scottish market, such as how the home report works and its impact on the required deposit.

Structure and regulation

Experts 4 Mortgages operates as a trading style of Daniel McLardy, an appointed representative of Stonebridge Mortgage Solutions Ltd, authorised and regulated by the FCA. The firm is listed on the financial services register under reference number 814866. The website indicates that a fee may apply for arranging the mortgage, the exact amount of which depends on the client's circumstances and is typically £295.

The firm publishes risk warnings: your home may be repossessed if you do not keep up repayments on your mortgage; equity release through a lifetime mortgage is a long-term commitment that can accumulate interest and is secured against your home, is not suitable for everyone and may reduce the value of your estate; this service is offered by referral only.

Location and contact

111 George St, Edinburgh, EH2 4JN · Phone: 0131 618 2100