Whether you’re a first-time homebuyer or a seasoned investor, our expertise is your advantage. We understand that purchasing a property is a significant decision, and that’s why our expert mortgage advisors are here to provide clarity and confidence in your decision.
A mortgage is a crucial financial instrument that transforms property ownership into reality. We provide a range of domestic and commercial mortgages.
Alongside the property’s cost, our advisors factor in related expenses such as stamp duty and legal fees, ensuring complete financial transparency and clarity in your decision-making.
As an independent financial advisor, selecting us as your partner provides access to a diverse panel of funders, offering a competitive edge in securing the ideal mortgage.
Our mortgage service offers access to a wide range of lenders, ensuring that we provide you with the best mortgage solutions available.
When purchasing a property, careful consideration of various factors is crucial. From budgeting and mortgage options to location and legalities, each aspect significantly impacts your investment’s outcome:
This pragmatic approach ensures a well-informed decision aligned with your aspirations and lifestyle.
We offer high-quality, impartial mortgage advice in Edinburgh.
Our team caters to diverse needs, whether you’re a first-time buyer or seeking to remortgage. Count on us to simplify the process, guiding you toward a well-suited mortgage solution that aligns with your goals and budget.
A buy-to-let mortgage is a type of loan specifically designed for landlords who want to buy or refinance rental properties. At Clarity IFA, we have access to a range of buy-to-let mortgage products and can help you choose the one that's right for you.
Yes, we can. Remortgaging can be a great way to save money on your mortgage payments or free up some cash. We'll work with you to determine whether remortgaging makes sense for your financial situation, and help you find the best product for your needs.
A flexible mortgage is a type of loan that offers features like the ability to overpay or underpay, take payment holidays, and make lump-sum payments. This type of mortgage can be ideal for borrowers who want more control over their mortgage payments. At Clarity IFA, we can help you decide whether a flexible mortgage is right for you.
Equity release is a way to unlock the equity in your home and turn it into cash. This can be done through a variety of means, including lifetime mortgages and home reversion plans. At Clarity IFA, we can help you understand the pros and cons of equity release, and find the product that's right for you if you decide to go down that route.
Clarity IFA is committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, then you can be assured that it will only be used in accordance with this privacy statement.
Clarity IFA may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are happy with any changes. This policy is effective from 14/04/23.
What we collect
We may collect the following information:
What do we do with the information we gather?
We require this information to understand your needs and provide you with a better service, in particular for the following reasons:
We are committed to ensuring that your information is secure. To prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.
A cookie is a small file which asks permission to be placed on your computer’s hard drive. Once you agree, the file is added and the cookie helps analyse web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.
We use traffic log cookies to identify which pages are being used. This helps us analyse data about web page traffic and improve our website to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.
Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.
You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.
Links to other websites
Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.
Controlling your personal information
You may choose to restrict the collection or use of your personal information in the following ways:
We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so. We may use your personal information to send you promotional information about third parties which we think you may find interesting if you tell us that you wish this to happen.
You may request details of personal information which we hold about you under the Data Protection Act 1998. A small fee will be payable. If you would like a copy of the information held on you please write to [insert address].
If you believe that any information we are holding on you is incorrect or incomplete, please write to or email us as soon as possible at the above address. We will promptly correct any information found to be incorrect.
This website and its content are protected by copyright laws. All rights reserved.
The content of this website, including but not limited to text, graphics, images, logos, and software, is the property of Clarity IFA or its content suppliers and is protected by the United Kingdom and international copyright laws.
You may not reproduce, distribute, publish, display, modify, create derivative works from, or exploit in any way the content of this website without the prior written consent of Clarity IFA.
You may download, print, and store limited copies of the content of this website for your personal, non-commercial use, provided that you do not alter or remove any copyright, trademark, or other proprietary notices.
Any unauthorised use of the content of this website may violate copyright laws, trademark laws, and other laws. Clarity IFA reserves the right to take legal action against any unauthorised use of the content of this website.
What are cookies?
Cookies are small text files that are stored on your device when you visit a website. They are widely used to make websites work, or work more efficiently, as well as to provide information to the owners of the site.
Cookies that we use
We use the following types of cookies on our website:
Managing your cookie preferences
Most web browsers allow you to manage your cookie preferences. You can set your browser to accept all cookies, to block certain types of cookies, or to block all cookies. You can also set your browser to alert you when a website tries to set a cookie.
Please note that if you block or delete cookies, some features of our website may not work properly.
For more information about managing your cookie preferences, please refer to the help section of your browser or visit www.aboutcookies.org.
The Website is intended for your personal, non-commercial use. You may not use the Website for any illegal or unauthorized purpose. You may not use the Website in a way that could damage, disable, overburden, or impair the Website or interfere with any other party’s use of the Website.
The content of the Website, including but not limited to text, graphics, images, logos, and software, is the property of Clarity IFA or its content suppliers and is protected by the United Kingdom and international copyright laws. You may not reproduce, distribute, publish, display, modify, create derivative works from, or exploit in any way the content of the Website without the prior written consent of Clarity IFA.
The Website is provided on an “as is” and “as available” basis. Clarity IFA makes no representations or warranties of any kind, express or implied, as to the operation of the Website or the information, content, materials, or products included on the Website. Clarity IFA will not be liable for any damages of any kind arising from the use of the Website, including but not limited to direct, indirect, incidental, punitive, and consequential damages.
Clarity IFA will not be liable for any damages of any kind arising from the use of the Website, including but not limited to direct, indirect, incidental, punitive, and consequential damages.
Clarity IFA reserves the right to modify these Terms at any time without notice. Your continued use of the Website after any such modification constitutes your acceptance of the modified Terms.
These Terms and your use of the Website will be governed by and construed in accordance with the laws of England and Wales, without giving effect to any principles of conflicts of law.
This website (the “Website”) is provided by Clarity IFA on an “as is” and “as available” basis. Clarity IFA makes no representations or warranties of any kind, express or implied, as to the operation of the Website or the information, content, materials, or products included on the Website.
Clarity IFA will not be liable for any errors or omissions in the content of the Website, or for any actions taken in reliance on the information provided on the Website. Clarity IFA will not be liable for any damages of any kind arising from the use of the Website, including but not limited to direct, indirect, incidental, punitive, and consequential damages.
Clarity IFA does not warrant that the Website will be available at all times or that the Website or any content will be error-free. Clarity IFA reserves the right to modify, suspend, or discontinue the Website or any content at any time without notice.
The content of the Website is provided for general information purposes only and is not intended to be a substitute for professional advice. You should always seek the advice of a qualified professional before making any decisions based on the information contained on the Website.