Stewart Mortgage & Protection Solutions

Mortgage advice with UK-wide coverage

Stewart Mortgage & Protection Solutions is a mortgage and protection advice firm based in Glasgow which, according to its own presentation, works across the UK thanks to the use of technology tools. The company presents itself as a personalised service aimed at helping clients achieve their property goals, with access to a wide range of mortgage products, some of which are not openly available in high street banking.

The firm states it has access to 12,000 mortgage products from over 90 lenders and holds five-star reviews, according to testimonials on its website.

Client profiles and types of transaction

The advice covers different profiles and situations within the UK mortgage market:

• First-time buyers taking out their first mortgage.
• People moving home.
• Experienced landlords looking for a buy-to-let (BTL) mortgage.
• Clients who need to review or renegotiate their current mortgage through a remortgage.

The company says it supports clients throughout the entire process, from the initial stage to completion, and can advise on finding the right product according to each applicant's circumstances.

Services complementing the mortgage loan

In addition to mortgage brokerage, the firm offers guidance on other aspects linked to buying or moving home:

• Advice on home reports.
• Liaison with estate agents.
• Support with submitting offers over the asking price.
• Arranging a solicitor for the transaction.
• Advice on protection insurance, to have robust cover in place when needed.

Digital tools for buyers

The website provides users with various calculators and resources to plan a purchase:

• Borrowing amount calculator, to estimate how much a lender might offer.
• Repayment calculator, to find out the approximate monthly mortgage payment.
• Stamp Duty calculator.
• Land and Buildings Transaction Tax calculator.
• Land Transaction Tax calculator.
• Financial risk assessment.
• Home Buying App, described as a digital coach that helps you save, plan and track the home buying process.

It also offers the possibility of obtaining a mortgage in principle to know in advance how much a lender might offer.

Team and track record

The team consists of Claire, a mortgage and protection adviser, and Mhairi Bell. Claire has over 25 years of experience in financial services and previously worked in Glasgow's West End; she now works across the UK. Mhairi has been in the industry for more than 15 years and has worked with Claire for eight, monitoring client applications to ensure the process is quick and problem-free.

The company states it has built a reputation for reliability and trust in the provision of mortgage services over 25 years.

Corporate structure and regulation

Stewart Mortgage & Protection Solutions operates as a trading name of First Mortgage Limited, which acts as an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited, entities authorised and regulated by the UK Financial Conduct Authority. First Mortgage Limited's registered office is at 30 Walker Street, Edinburgh, Scotland, EH3 7HR, with Scottish registration number SC177681.

The website includes the usual warning that your home may be repossessed if you do not keep up repayments on your mortgage.

Location and contact

Phone: 07455025234