At Rettie Financial Services we understand that everybody’s property journey is different. That’s why we’re with you every step of the way. Whatever your mortgage, insurance or other financial needs, and however complex your challenges, we have the expertise and experience to provide a tailored service that will deliver for you.

Our experienced certified Mortgage & Protection Advisors have been advising clients for many years, providing extensive insight and knowledge. With access to more than 12,000 mortgages from over 90 lenders, we’ll help you find the mortgage deal that’s right for you.

Arrange a Free Initial Mortgage Consultation

Book your free initial mortgage consultation today with one of our Mortgage & Protection Advisors.

11 Wemyss Place, Edinburgh, EH3 6DH
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  • "The team of Paul, Rajinee and Megan could not have worked any harder for my husband and I during the whole mortgage process. They turned what could have been a very painful process into something so easy. They were there to answer any questions, explained everything so well and basically held my hand through the entire thing. Their advice and encouragement throughout really helped to keep us sane and we cannot thank them enough for such marvelous work and excellent recommendations. Thank you. 🙏🏾"

    IB MacKechnie
  • "A big Thank you to Paul Banyard from Team Rettie, who supported us throughout our house hunting journey! He was our mortgage advisor but he supported us like a good friend and helped us in getting the right house. We were new to the property market and the convoluted processes involved therein. He was the only person who offered us to go through the home report and advise us on how much the property is actually worth rather than us making an emotional decision. He made himself available out of regular work hours to help us understand each and every aspect of mortgage, our options and took the hard work away from the process. He also is an excellent protection advisor. I can't recommend him enough. Thank you Paul for all your time and help! I wish I could give you more than 5 stars!"

    Neera Prasad
  • "I had an outstanding experience with Rettie Financial Services Edinburgh! Their service was truly top-notch, and I wholeheartedly recommend them to others. I had the pleasure of dealing with Paul, whose support was instrumental in my property purchase; I wouldn't have done it without him. Following that, Rajinee stepped in, and she was equally wonderful and accommodating. The team's knowledge and professionalism, coupled with their dedication to meeting my financial needs, exceeded my expectations. I couldn't be happier with the exceptional results they delivered. Five stars all the way!"

    Ghaith AA
  • "I recently used Rettie Financial Services to assist with my first time buying a property. I worked with Paul initially, who was excellent. He reviewed home reports, took me through a budget planner and helped me decided which mortgage provider to go for, and then handled the application process. He also discussed my insurance options with me and completed those applications as well. I then worked with Rajinee, who was also excellent, and saw me through to the end of the process and the completion of my purchase."

    Amy Vickerton
  • "Rettie FS provided exceptional service to assist us with our mortgage application. The attentive and helpful staff guided us through the complex process, explaining mortgage options thoroughly, making it remarkably smooth and stress-free. Their dedication to customer satisfaction set them apart as they took the time to understand our needs. Their personalised approach, went above and beyond, ensuring our confidence throughout. I highly recommend Rettie for reliable and trustworthy financial services. Thank you."

    Fiona Hall
  • "We are really happy with the service we received from Rettie and in particular Stephen. Stephen was extremely helpful, knowledgeable and friendly. He worked really hard to make sure we got the best rate for our new mortgage, explained everything thoroughly and even after some hiccups when our purchase changed and we had to change our mortgage to another property he was reassuring and quick to update us. Rettie also checked in with us along the way and made sure everything went smoothly on completion. Thanks again."

    Jennifer Thomson
  • "We used Rettie Financial Services to support us in renewing our mortgages. Bob was very thorough and helped us through every stage of the process, ensuring we were kept up to date with everything along the way. The process was very quick and we are extremely happy with the service provided. Thank you!!"

    Kenna McArthur
  • "My girlfriend Kasia and I would like to say a wholehearted thanks to Paul Banyard at Rettie Financial Services Edinburgh. We met Paul through Rettie, and have been delighted with the service, advice and guidance he’s provided while brokering our mortgage. As both of us are first-time buyers, we have greatly appreciated Paul’s advice and calm, professional explanations of the options and process. Paul throughout has always been available, responds very quickly to our queries, and has gone above and beyond to broker our first mortgage, particularly within the timespan of recent interest rate hikes. Paul also helped us to set up our Insurance polices, enabling us to get the best deal possible. We highly recommend Paul to anyone who is looking for first class, impartial advice and professionalism as they embark on their mortgage journey. We very much look forward to working with Paul in the future. Thank you!"

    Alex Griffin
  • "As a first time buyer, I have been very impressed by the level of detail and guidance provided by Retties Financial Services. Paul Banyard in particular, has been incredibly helpful, and always took the time to run through documents answering my questions (no matter how silly!) that was so helpful. Thank you for guiding me through this process!"

    Saf Rahbour
  • "The service we received from Megan and Bob in securing the right mortgage for our countryside property was exceptional. From the start of the journey we felt supported and informed with a great level of contact from Megan. Regular updates along the way meant we had every confidence that the correct mortgage product had been found for the purchase and that it would complete on time. This is not the first time I’ve used Rettie Financial Services and will most certainly will not be the last! Thank you."

    Wendy Watson
  • "Being a first time buyer, my understanding of the mortgage application was limited, however Claire Black helped guide me throughout the entirety of the property purchase lifecycle. Her expertise, attention to detail, and commitment to finding the best mortgage solution made the entire process smooth and stress-free. Beyond her expertise, Claire's genuine friendliness made the experience enjoyable and much less daunting than what I ever thought it would be. I cannot recommend Claire enough for her knowledge, expertise and the added bonus of being truly pleasant to work with."

    John Docherty
  • "From start to finish, Claire and her team were excellent. They provided sound and honest advice in a friendly and professional fashion. They helped us secure a good interest rate and a loan agreement for our first property in a matter of days. I'd definitely recommend their services to anyone."

    Lloyd Belton
  • "We were supported by Karen and Megan buying our first home together which was a new build. Karen was our mortgage advisor and she was just brilliant. She spent so much time with us before we sent away the mortgage application really taking the time to get to know us and our financial situation. She gave us lots of advice and was always on hand to answer questions which we really appreciated. She also stepped in to help us get an issue resolved with our developer around incentives. On top of all that, she’s such a lovely person! Highly recommend Karen, no question was too silly which I think is also super important for first-time buyers."

    Fariha Saeed
  • "My partner and I had been looking to purchase a property for almost a year using an online mortgage advisor based in England and were constantly getting rejections. We were recommended Karen Lochhead as an advisor and immediately we knew we would be in a better position after our first call with her. Karen was very welcoming and gave us the advice we needed about the market in Glasgow that our previous broker couldn’t. Her service was very tailored to suit our needs and we really appreciate the amount of effort she put in to help us secure the perfect property. Karen took all our needs into account when searching for a mortgage lender, including our ideal deposit amount, monthly payments and mortgage term. Karen and Megan were both very supportive throughout the whole mortgage application process and always kept us up to date with each stage as they were aware this was our first mortgage. We can’t thank them enough for helping us get our dream home with a mortgage that perfectly suits our needs!"

    Laura Anderson
  • "Recently ported mortgage and then switched to a new deal at the end of the ported mortgage, Megan and Karen made both processes easy for us during a very stressful time with such unpredictability in the current markets. A warm and friendly service from start to finish will definitely use again and recommend to friends and family."

    Andrew Inglis
  • "Can't thank Karen and Megan at Rettie Financial Services enough for everything they've done for us. Karen took real good care of us, working day and night, frequently keeping in touch with the best deals. When applying for a mortgage there's a lot of information to take in and a lot of things to consider; and if you are a first time buyer like my partner and I it does get very confusing and overwhelming. Karen always made sure we understood everything and was always available to answer any questions we had. It was a long process but we can finally say that we're moving into our first home in a couple of weeks and couldn't have done it without her help. Thank you!!"

  • "Bob and Megan could not have been more efficient, helpful and proactive in securing our mortgage application. With their friendly manner and professional manner any stress I had about the process immediately melted away. I'd not hesitate to recommend this firm and will definitely turn to them if we ever move again. Thank you for helping us secure our dream home."

    Dawn Gibson
  • "I would recommend Karen and Megan to anyone needing mortgage advice. They have been a huge help while I have been buying my first home and I couldn't have done it without their knowledge, expertise and efficiency! If 6 stars was possible they would be well deserving of it!"

    Alice Lambert
  • "I could not be happier with the service Stephen Marlin and his colleagues at Rettie Financial Services provided throughout the process of my property purchase. From our first meeting, Stephen was very professional and provided a wealth of information to support me through my property search. Stephen has remarkable expertise in his field and provided invaluable advise, he was also very approachable and contactable throughout. I was a first-time buyer so had many questions and Stephen kindly helped guide me through each and every stage of the process. Stephen was able to find the correct mortgage for me, given my unique circumstances, and managed to successfully turn things around in a very tight timescale. Stephen's and his highly efficient team moved mountains to ensure I had my mortgage offer in time and I was entirely satisfied with how smoothly everything ran. I am very grateful to Stephen and Rettie Financial Services and could not recommend them highly enough, I would not consider using anyone else in the future."

    Gemma Samms
  • "Excellent support and guidance from Stephen and his colleagues in relation to our recent mortgage application in testing market circumstances recently! Calm and considered advice throughout and provided swift responses when we posed additional questions. Would definitely recommend and we will certainly be back when we need to get a new product!"

    Stuart Dunbar
  • "Stephen and Rajinee assisted me with arranging my mortgage and I am so glad that I came across them when searching for a mortgage advisor. They were so helpful, open and honest and gave me an insight into the best deals available and help me find the most appropriate mortgage tailored to my needs. There was no pressure at all to commit and once selected a mortgage, they did all the work from there on out! They made it a stress free process and I thank them sincerely for it."

    Tom Williamson
  • "We are so happy we used Rettie Financial Services Glasgow team for our mortgage. They supported us every step of the way and when things got complicated they swiftly resolved issues and gave us every confidence. Their knowledge of the market and contacts are excellent adding huge value to their services."

    Victoria Smith
  • "Stephen Marlin was excellent in explaining the various options available to me upon re-mortgaging. He took time to explore various options relevant to my complex situation and clearly explained the pros and cons of each option, allowing me to make an informed decision. Rajinee was efficient in processing the re-mortgage, making the whole process smooth and stress free."

    Graeme Braid

    At Rettie we understand.

    Outstanding Customer Service

    Rettie Financial Services excels in speed, expertise and customer satisfaction. Our commitment to you extends beyond transactions, providing both financial and emotional support throughout your journey.

    Personalised Solutions

    We bring a personal touch to every interaction, taking time to understand and address your unique financial requirements. No matter how complex and intricate your needs, we have the experience and know-how to identify and deliver an innovative personal solution that’s right for you.

    A Proven Approach

    Our highly experienced Mortgage & Protection Advisors have a proud track record in delivering a supportive, quick and hassle-free service, evidenced by a constant stream of 5 star reviews from satisfied clients.

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    Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances.

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    Financial expertise tailored for you.

    A guide to Rettie Financial Services.

    At Rettie Financial Services our experienced consultants provide advice and support on the financial aspects of the house buying process, mortgages and protection throughout the UK. We have put together our Guide to Rettie Financial Services to highlight the service value offering that we consistently provide whatever your mortgage, insurance or other financial needs.

    Bob Duncan sitting outside Rettie Edinburgh branch.

    Think Mortgages. Think Rettie.

    A short guide to Rettie Financial Services.

    Our focus is on service, communication, and clear advice, but most importantly, on finding the right deal for our clients. We bring a personal touch to every interaction, taking time to understand and address your unique financial requirements. Whether you’re a Rettie customer or not, we’re here to assist with all your mortgage, protection, and insurance needs, no matter where you’re based in the UK.

    Rettie Financial Services Ltd is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority.

    Rettie Financial Services Ltd. Registered Office Address: Deuchrie, Dunbar, East Lothian, United Kingdom, EH42 1TG. Registered in Scotland Number: SC711925.

    There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.

    For insurance business we offer products from a choice of insurers.

    Your home may be repossessed if you do not keep up repayments on your mortgage.