The Free Mortgage Advice People
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Friendly Free Local Mortgage Advice from Your Local Berwick Mortgage Advisor.

Here to help you save time and money on your home move and to help secure your dream property. Get in touch Now to get a free mortgage decision in principle.

Welcome, my name is Julie Welsh, a Mortgage & Protection Advisor here at Border Mortgage Services. Border Mortgage Services are whole of market and fully independent.

Choosing a mortgage these days is never easy. Do you opt for a fixed rate mortgage? A variable rate mortgage? Or perhaps an offset mortgage? Perhaps you are looking to upgrade your existing home, or take on a development project. Should you be looking at a secured loan or perhaps a bridging loan?

There is never a one-size fits all product, so it is essential that you have someone to guide you through the whole process. As Independent Mortgage Advisors we can help you find the mortgage or finance package that is right for your individual circumstances.

News Flash for First Time Buyers

The Scottish Government’s First Home Fund is a shared equity scheme that helps first-time home buyers purchase a property that meets their needs and is located in the area they want to live.

The scheme will provide you with up to £25,000 towards the purchase of a home and can be used for both new build and existing properties.

As this is a shared equity scheme, both you and the Scottish Government will hold an equity share in the property under a shared equity agreement.

The scheme is currently open for applications until 31 March 2021 and will provide £150 million of funding to first-time buyers.


There are no restrictions on the price of property you can buy and it is open to all first-time buyers in Scotland, including single and joint purchasers. You will need to take out a capital repayment mortgage.

Get in touch for advice on how to apply for this scheme.

Getting you the best rates from all lenders

We offer all our clients a true ‘one stop shop’ facility. Our core competence is to provide you with a fully managed and professional service to secure the most competitive funding available from the financial market.

Residential Mortgages

Bathroom Electrics

By obtaining a Free decision in principle, you could be the first to be considered from a list of potential buyers for your dream property. Your estate agent will ask for this agreement in order to put your offer to the seller. You may save on the cost of your dream property as you are in a prime position to buy!

Commercial Mortgages

Bathroom Plumbing

Commercial property & business mortgages are our speciality too.

Protection Insurance

Bathroom Plastering

Play it safe. We offer a range of insurance options.

Loans & Finance Facilities

Bathroom Tiling

I can offer you access to the Whole Mortgage Market and help save you hundreds of pounds on your mortgage and it won’t cost you a penny.

Choose Us For

tickNew Build Mortgages

tickBuy to Let Mortgages

tickEquity Release Mortgages

tickRight To Buy Mortgage

tickCommercial Mortgage

tickSelf-Build & Renovation Finance

tickLife Insurance

tickIncome Protection Insurance

tickBuilding & Contents Insurance

tickSecured & Unsecured Loans

tickRefinancing Facilities

tickExpert, Independent Advice

tickDedicated, Professional Service

Mortgage Approved

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To Discuss How We Can Help You

Please call:

07828 914 154 or 01289 382 631