Our Services

At Your Next Step, we offer tailored mortgage and insurance services, from first-time buyer and remortgaging options to buy-to-let and specialist lending. Our trusted advisors guide you through each step, and we provide life, critical illness, income protection, and private medical insurance directly.

For other needs, such as commercial mortgages, pensions, estate agency, and conveyancing, we work with reputable partners to bring you specialised solutions. We're your all-in-one resource for financial and protection services, backed by a network of experts dedicated to your needs.

📧 Hello@YNSmortgage.com

📞 0333 880 8593

Mortgages and Lending

  • At Your Next Step, we specialise in new build mortgages, bringing a wealth of experience to make your new home purchase as seamless as possible. Buying a new build in Scotland can involve unique complexities, but our background in this area means we’re well-equipped to handle every detail. Our advisors guide you through the specific requirements, compare lender options, and secure competitive terms – all without a broker fee on new build cases. With personalised support and industry insights, we help you navigate timelines, incentives, and any complexities, ensuring a smooth path to your new home.

  • At Your Next Step, we understand that buying your first home is a big step, and we’re here to make it as smooth and straightforward as possible. Our experienced advisors carefully assess your financial situation, explore the best loan options, and secure competitive rates tailored to you. We guide you through each stage of the process, ensuring you make confident, informed decisions. Count on us to make your first home purchase an enjoyable, stress-free experience.

  • At Your Next Step, we specialise in helping you remortgage with ease, securing better rates, improved terms, or releasing equity from your property. Our advisors thoroughly review your current mortgage, compare leading lender options, and tailor a solution to fit your financial goals. For most remortgage cases, we can also secure free valuation and legal services, making the process even more cost-effective. With personalised guidance and in-depth market insights, we ensure a seamless transition to a mortgage that’s right for you.

  • At Your Next Step, 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 tailored 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.

  • At Your Next Step, 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.

  • At Your Next Step, we work with trusted partners to offer specialist lending solutions, including commercial mortgages, second charge loans, and other complex financing options. Our network of experts provides access to lenders who understand the unique requirements of these types of loans, helping clients secure tailored solutions even in challenging cases. Whether you’re expanding a business, consolidating debt, or need financing for an unconventional property, our partners’ expertise ensures a smooth process and competitive options suited to your financial goals.

Insurances

  • Life insurance provides peace of mind, ensuring financial support for your loved ones if the worst should happen. At Your Next Step, we work with a trusted panel of insurers to find the best cover tailored to your unique circumstances, safeguarding your family’s future.

  • Critical illness cover offers essential financial support if you’re diagnosed with a serious illness, helping to cover expenses during challenging times. At Your Next Step, we have access to exclusive policies that often provide superior coverage compared to what’s available on the open market. Working with trusted insurers like Aviva, Royal London, and Zurich, we find the right policy to protect you and your loved ones.

  • Income protection ensures you’ll have a steady income if illness or injury prevents you from working. Our advisors at Your Next Step partner with a variety of reliable insurers to secure policies tailored to your lifestyle and needs, so you can continue meeting your financial commitments with confidence.

  • Family income plans provide a regular income for your loved ones in the event of your passing, helping them maintain their standard of living. At Your Next Step, we guide you in selecting a plan that fits your family’s needs, working with trusted insurers to ensure ongoing financial security for those you care about most.

  • Buildings and contents insurance protects your home and possessions from unexpected events, such as fire, flood, or theft. With Your Next Step, you can choose from a range of comprehensive policies from our reputable network of insurers, ensuring your home and valuables are well-protected and giving you confidence in the security of your property.

  • Private medical insurance provides you with swift access to quality healthcare when you need it most. At Your Next Step, we partner with leading providers such as Vitality and Bupa to offer tailored plans that suit your individual health needs. Our advisors work closely with you to understand your requirements, ensuring you receive the best cover and support for your well-being. With our expertise and the trusted options we provide, you can enjoy peace of mind knowing you have access to exceptional medical care without unnecessary delays.

Partnership services

  • At Your Next Step, we recognise that selling your home can be a significant undertaking. That’s why we have cultivated strong relationships with a highly respected estate agency, ensuring our clients receive the best support throughout the selling process. Whether you’re looking to maximise your property’s value or navigate the complexities of the market, our partnership allows us to provide expert guidance and seamless communication. Trust us to connect you with dedicated professionals who will work tirelessly to achieve your goals.

  • Navigating the legal aspects of buying or selling a property can be complex, which is why at Your Next Step, we partner with experienced solicitors who specialise in conveyancing. Our strong relationships with these legal professionals ensure that you receive expert support throughout the entire process. From reviewing contracts to handling legal documentation, we facilitate clear communication and coordination between all parties involved. With our trusted solicitors by your side, you can feel confident that every detail is managed efficiently, allowing for a smooth and stress-free transaction.

  • At Your Next Step, we understand that securing a mortgage or insurance is just one part of a strong financial future. That’s why we partner with a trusted independent financial advisor to offer comprehensive support in retirement planning, investments, and pension advice. Whether you’re looking to grow your wealth, plan for retirement, or make the most of your pension, our advisor brings expertise and personalised strategies tailored to your goals. Together, we ensure that all aspects of your financial wellbeing are covered, providing peace of mind for today and tomorrow.