Edinburgh · Scotland · UK-wide
Prime Mortgages is a mortgage and protection brokerage based in Edinburgh. We are a trading style of Mortgage Force (UK) Ltd, authorised and regulated by the Financial Conduct Authority under Financial Services Register number 843041. We advise on residential, buy-to-let, commercial and bridging finance, and on the protection that sits alongside it, for clients across Scotland and the rest of the UK.
Most mortgage advice fails in the same way: someone runs your details through one lender's calculator, gets a number, and treats it as the answer. It is not the answer — it is one lender's opinion. The gap between the most and least generous lender for the same applicant is routinely six figures.
So we start with your circumstances rather than with a product. What your income actually consists of, what your plans are for the next five years, what is on your credit file, and what you are trying to achieve. Then we go and find the lender whose criteria fit that, rather than trying to fit you to a lender.
Straightforward cases are welcome and we do plenty of them. But the work we are known for is the awkward stuff — the cases where a first answer of no was wrong.
Alongside the brokerage we work in property more broadly — letting and property management, off-market investment sourcing, and short and mid-term lets through our sister brand Prime Stays. It means when a client asks whether a deal actually works, the answer comes from someone who works in the property market day to day, not only at the point of arranging the finance.
Prime Mortgages is a trading style of Mortgage Force (UK) Ltd. Mortgage Force (UK) Ltd is authorised and regulated by the Financial Conduct Authority, Financial Services Register number 843041, which you can check on the FCA register at register.fca.org.uk or by calling the FCA on 0800 111 6768.
Our permitted business is advising and arranging deals in non-investment insurance contracts and general insurance, and mortgage and loan first and second charge contracts. Some lending — buy-to-let by way of business, most commercial loans and some bridging — falls outside FCA regulation, and we will always tell you clearly when that is the case.
Common questions
No. We are not owned by, or tied to, any lender or insurer. Some deals are available only by going direct to a lender and cannot be arranged through a broker — where one of those is likely to be better for you, we will say so.
The Financial Conduct Authority. Prime Mortgages is a trading style of Mortgage Force (UK) Ltd, whose Financial Services Register number is 843041. You can verify this at register.fca.org.uk or by phoning the FCA on 0800 111 6768.
No. Our Scottish office covers Edinburgh, the Lothians and central Scotland, and we advise clients throughout the UK. Appointments can be by phone or video, and documents are handled electronically, so where you live is rarely a constraint.
Yes. Alongside the brokerage we work in letting, property management and off-market investment sourcing, and run short and mid-term lets through our sister brand Prime Stays. We are happy to look at whether a deal stacks up, not just whether it can be financed.
No fee for the initial conversation, and no obligation. We usually reply the same working day.
A twenty-minute conversation will tell you what you can realistically borrow, what it will cost and whether it is worth doing. It is free, and we will tell you honestly if the answer is no.