Mortgages & Lending

At Your Next Step, we offer tailored mortgage services, from first-time buyer and remortgaging options to buy-to-let and specialist lending. Our trusted advisors will guide you every step of the way.

📧 Hello@YNSmortgage.com

📞 0333 880 8593

An image of a new build home

New build homes

We specialize in new build mortgages, offering expert guidance to simplify your home purchase in Scotland. Our advisors handle unique complexities, compare lenders, and secure competitive terms without a broker fee. With personalized support, we navigate timelines, incentives, and complexities for a smooth path to your new home.

Contractor Mortgages

We understand the unique challenges faced by contractors, whether on fixed-term contracts or self employed. Securing a mortgage in these circumstances requires specialist knowledge, and our advisors are experienced in finding solutions to suit your financial profile. We work with a broad range of lenders who understand the complexities of non-traditional income, helping you access competitive rates and terms.

An image of a first time buyer mortgage

First time buyer mortgages

Buying your first home is a big step, and we're here to help. Our advisors assess your finances, explore loan options, and secure competitive rates. We guide you through each stage, ensuring informed decisions for a stress-free experience.

Buy-to-Let Mortgages

We offer specialised guidance on buy-to-let mortgages to help you make the most of your property investment. Our advisors work closely with you to understand your financial goals, identify the best lender options, and create a tailored plan to optimise rental income. With expert insights into the buy-to-let market, we provide the support you need to make well-informed, confident decisions for a successful investment journey.

Remortgaging

We specialise in easy remortgaging, securing better rates, terms, or equity release. Our advisors review your mortgage, compare lenders, and tailor solutions to your goals. Often, we secure free valuation and legal services, ensuring a cost-effective process. With personalized guidance and market insights, we ensure a seamless transition to the right mortgage.

Specialist Lending Solutions

We offer specialist lending solutions like commercial mortgages and second charge loans through trusted partners. Our network provides access to lenders who understand unique loan requirements, securing tailored solutions even in challenging cases. Whether expanding a business, consolidating debt, or financing an unconventional property, our partners ensure a smooth process and competitive options for your financial goals.