Stewart Mortgage Services
Inverness
Mortgage advice covering self-employed, buy-to-let, first-time buyers. Stewart Mortgage Services has not recorded a fee structure.
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About Stewart Mortgage Services
Stewart Mortgage Services is a UK mortgage broker based in Inverness. Its website describes mortgage advice for buy-to-let, first-time buyers, self-employed borrowers. Its website publishes FCA regulatory details.
From this firm's public listing.
What this broker covers
From the areas recorded here.
Stewart Mortgage Services works across self-employed, buy-to-let and first-time buyers from Inverness — a focused listing led by self-employed work.
Self-employed and buy-to-let together suit business owners buying property, where income evidence and rental stress testing both have to line up.
Self-Employed
Self-employed cases turn on how a lender reads your income. Some average two or three years of accounts, some use your latest year, and sole traders, limited-company directors and day-rate contractors are all assessed differently. A firm that does this regularly knows which lenders sit where.
Read the self-employed guideBuy-to-Let
Buy-to-let borrowing is capped by a rental stress test rather than by your salary, and the sums differ sharply between personal ownership and a limited company. Portfolio landlords with four or more mortgaged properties face extra underwriting. With self-employed lending also covered, business-owner landlords should find both halves of the case understood.
Read the buy-to-let guideFirst-Time Buyers
First-time-buyer work means walking someone through it from scratch: what deposit is realistic, what an agreement in principle is worth to an estate agent, which schemes still exist and what lenders will ask to see.
Read the first-time buyers guideFees: what this means for you
Fees not specified
We hold no fee structure for this listing, so we cannot say either way — the tailored questions below cover what to ask. Buy-to-let and limited-company cases are often charged differently from residential ones — ask which bracket you fall into.
Fee-free vs fee-charging brokers, compared →Checking this firm on the FCA register
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We hold no Firm Reference Number for this listing and have not verified the firm. Check the name on the FCA register before taking advice.
Questions to ask Stewart Mortgage Services
Tailored to this listing.
- 1How many lenders can you recommend from — the whole market, a limited panel, or a single lender?
- 2Do you charge a broker fee? If so, how much, and when is it due?
- 3How will lenders read my income — salary plus dividends, net profit, or day rate — and do you work with lenders that use my latest year rather than an average?
- 4How does the rental stress test change what I can borrow, and would buying through a limited company work out better for me after tax?
- 5What deposit do I realistically need for the properties I am looking at, and which schemes am I actually eligible for?
- 6Do you see clients at your Inverness office, or is this handled by phone and video?
Getting in touch with Stewart Mortgage Services
Stewart Mortgage Services lists a phone number, an email address and its own website, so use whichever suits.
- First conversations are free and non-committal.What a broker does
- Bring payslips, statements, existing mortgage details.Document checklist
- Compare two or three brokers.How to choose
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Frequently asked questions
What does Stewart Mortgage Services charge for mortgage advice?
Not recorded on this listing — ask Stewart Mortgage Services directly, as it must tell you before you commit. Buy-to-let and limited-company cases are often charged differently from residential ones — ask which bracket you fall into.
What types of mortgage does Stewart Mortgage Services handle?
Stewart Mortgage Services records self-employed, buy-to-let and first-time buyers, working from Inverness. Ask anyway if your case sits outside that list.
Does Stewart Mortgage Services work with self-employed borrowers?
Yes — self-employed lending is one of the areas Stewart Mortgage Services lists. Have your last two to three years of accounts or SA302s and corresponding tax year overviews ready. The figure you can borrow depends heavily on which lender is used, because they treat retained profit, dividends and contract income very differently.
Does Stewart Mortgage Services only cover Inverness?
Stewart Mortgage Services is listed in Inverness, but UK brokers are not restricted to their own area and most advise nationally by phone or video.
MortgageMatch is a directory, not a broker. We do not give advice. Your home may be repossessed if you do not keep up repayments.