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Mortgage brokers and advisers in Aberdeen
9 independent, FCA-authorised firms covering Aberdeen and the wider Scotland area. Contact them directly — we never sell your details.
An oil-and-gas city where contract and offshore income cases benefit from specialist self-employed broker advice.
Mortgage brokers listed in Aberdeen
View all 9 resultsAberdeen Mortgage Company
Glasgow
Advanced Financial Planning Scotland Ltd
Aberdeen
Amanda Law Mortgages
Aberdeen
City Gate Aberdeen Ltd
Aberdeen
IMP Mortgage & Protection Advice Ltd
Aberdeen
Portlethen Financial Services
Aberdeen
Protect Mortgage Solutions
Aberdeen
The Aberdeen Mortgage Brokers
Aberdeen
VT Wealth
Aberdeen
The Aberdeen housing market, and what it means for your mortgage
Aberdeen's housing market is more closely tied to a single industry than any other UK city's. Energy-sector employment shapes both prices and the kind of mortgage applications that come up here: contractors, offshore rotations, overseas assignments and relocation cases are routine, and those are exactly the income shapes that mainstream lenders handle least consistently.
The city's characteristic granite tenements and terraces run through the West End, Rosemount and Ferryhill, with the West End holding the larger period houses. Suburbs such as Cults, Bieldside and Milltimber sit at the higher-value end, while Torry, Northfield and Mastrick are considerably more affordable. Aberdeenshire commuter towns draw families out of the city. The Scottish process applies throughout — Home Report, offers, conclusion of missives — though offers over is less universal here than in Edinburgh, and fixed-price marketing is more common.
Mortgage situations that come up in Aberdeen
- Offshore and rotational income, where lenders differ on how they annualise pay based on a two-weeks-on rota and whether they count offshore allowances.
- Day-rate contractors in the energy supply chain, where the right lender will assess the contract rate rather than the limited company accounts.
- Income paid in a foreign currency or earned on overseas assignment, which only a limited set of lenders will consider.
- Landlords in a rental market closely linked to energy-sector activity, where interest coverage and void assumptions deserve conservative planning.
Buying in Scotland: Land and Buildings Transaction Tax and the local process
Buying in Scotland works differently enough to change how you plan. Purchase tax is Land and Buildings Transaction Tax rather than Stamp Duty, it has its own bands and its own first-time buyer relief, and an Additional Dwelling Supplement applies to second homes and buy-to-let. Sellers must provide a Home Report — a single survey, an energy report and a property questionnaire — before marketing, so you see a surveyor's valuation before you offer. Homes are often advertised at offers over with a closing date, and the purchase becomes binding when missives are concluded, typically earlier in the process than exchange of contracts south of the border. Flats are not leasehold: you own them outright and share liability for common repairs with the other owners in the building.
Mortgage specialists in Aberdeen by situation
These are the specialisms that come up most often locally. Each page explains how UK lenders assess that kind of case and lists the Aberdeen advisers who handle it.
Guides worth reading before you speak to a Aberdeen broker
Nearby cities
Advisers often cover a wider area than the town they are based in.
Search every broker covering Aberdeen
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Mortgage FAQs for Aberdeen
- Can I get a mortgage in Aberdeen if I work offshore?
- Yes, and it is common here, but lender choice matters. Some lenders annualise your pay straightforwardly from payslips; others struggle with rotational patterns, offshore allowances or income paid through an agency. If you are paid in a foreign currency or employed by an overseas entity, the list of lenders narrows further. This is one of the clearest cases where a broker who regularly handles energy-sector applications saves real time.
- How are day-rate contractors assessed for a mortgage in Aberdeen?
- Several lenders will assess a contractor on the day rate itself — typically the daily rate multiplied by the days worked per week and by around 46 to 48 weeks — rather than on limited-company accounts or drawings. That usually produces a much higher borrowing figure than the accounts-based approach, provided you have a contract in place and a reasonable history in the sector.
- Is Aberdeen a risky market to buy in?
- It is more cyclical than most UK cities because it is tied to energy-sector activity, which is worth factoring into how long you expect to hold the property and how much deposit you put in. Lenders do not apply an Aberdeen-specific policy, but a surveyor's valuation and any comment on local demand will reflect market conditions at the time you buy.
- Do I pay Stamp Duty when buying in Aberdeen?
- No. Property in Scotland is subject to Land and Buildings Transaction Tax (LBTT), collected by Revenue Scotland, not Stamp Duty Land Tax. The bands are set by the Scottish Government and differ from those in England, there is a first-time buyer relief, and an Additional Dwelling Supplement applies if the purchase is a second home or a buy-to-let. Check the current rates with Revenue Scotland before you finalise your budget.
- Are the mortgage brokers listed in Aberdeen FCA-authorised?
- MortgageMatch lists FCA-authorised mortgage brokers and advisers. Before taking advice, check the adviser and the firm on the Financial Services Register, confirm what they charge and ask how many lenders they can access. We do not sell your details to lead buyers — you contact the adviser directly.