February 13, 2026

What Kind of Mortgage Protection or Income Protection Should I Consider When Buying a Home in Scotland or London?

Buying a home in Scotland or London is one of the largest financial commitments most people will ever make. While buyers spend a lot of time focusing on interest rates, deposits, and affordability, one critical area is often overlooked until something goes wrong: mortgage and income protection.

February 2, 2026

Who Offers Specialist Mortgages for Contractors or People With Unique Circumstances in Scotland and London?

If you’re asking who offers specialist mortgages for contractors or people with unique circumstances in Scotland and London, you are not alone.‍Contractors, freelancers, self-employed professionals, company directors, and people with complex income structures are frequently declined by high-street lenders, not because they cannot afford a mortgage, but because their income does not fit rigid PAYE models.‍

January 30, 2026

What Are the Requirements for Landlords Applying for a Rental Property Mortgage in Scotland or London?

If you’re asking what are the requirements for landlords applying for a rental property mortgage in Scotland or London, you’re already ahead of many investors.Buy-to-let mortgages are not approved using simple checklists. They are approved based on lender-specific rules that vary by location, property type, ownership structure, and risk profile.This guide explains those requirements clearly, without jargon or generic advice.

January 26, 2026

Who Can Help Me Get a Buy to Let Mortgage in Scotland or London With the Best Rates?

If you’re asking who can help me get a buy to let mortgage in Scotland or London with the best rates, you are already asking the right question.In buy to let, the lowest rate advertised online is often not the rate you can actually secure.That is because buy to let mortgages are policy driven, not just price driven. Approval depends on structure, lender selection, and long-term planning, not headline figures.This guide explains how buy to let mortgages really work, why rates vary so widely, and who genuinely adds value for landlords in Scotland and London.

January 22, 2026

How Much Can I Borrow for a Mortgage in Scotland or London Based on My Income?

January 18, 2026

How Much Deposit Do You Need to Buy a Property in Glasgow, Edinburgh or London?

If you’re asking what deposit do I need to buy a property in Glasgow, Edinburgh or London, you’re asking one of the most important questions homebuyers raise at the very start of their journey.‍The short answer is simple. Your deposit depends on where you’re buying, your financial profile, and the type of mortgage you need.

How to Choose the Right Buy-to-Let Mortgage Broker in Scotland and London

Choosing a buy-to-let mortgage broker is one of the most important decisions a property investor will make , yet it’s often rushed or overlooked. Many landlords assume that any mortgage adviser can arrange a buy-to-let loan, but the reality is very different.

January 16, 2026

How to Get the Best Buy to Let Mortgage Rates in Scotland or London

Finding the best buy to let mortgage rates is not about chasing the lowest headline interest rate. It is about matching your investment strategy to the right lender, structure, and long term plan.‍Buy to let mortgages are assessed very differently from residential borrowing. The wrong lender choice can restrict portfolio growth, limit future borrowing, or increase tax exposure.

January 5, 2026

What Does My Income Really Mean for Mortgage Affordability in Scotland and London?

Mortgage affordability is not based on income alone. Lenders assess how income is earned, how stable it appears, and how reliably it can be maintained over time. As a result, two borrowers earning the same amount can receive very different mortgage offers.‍Pelican Finance Limited regularly supports buyers across Scotland and London who were told “not enough” by banks, only to secure a mortgage by presenting their income correctly and choosing the right lender.

January 1, 2026

How Much Can I Borrow for a Mortgage in Scotland or London Based on My Income?

Whether you are buying in Scotland or London, mortgage borrowing is based on more than just salary. Lenders assess income type, monthly outgoings, credit history, and personal circumstances, which means the answer is never one size fits all.‍At Pelican Finance Limited, we help buyers across Scotland and the UK understand their realistic borrowing power, not just what an online calculator suggests.

December 30, 2025

What Deposit Do I Need to Buy a Property in Glasgow, Edinburgh or London?

One of the Biggest Barriers for Home Buyers Explained ClearlyOne of the very first questions most buyers ask is:“What deposit do I need to buy a property in Glasgow, Edinburgh or London?”It’s also one of the most misunderstood parts of the home-buying process.You’ll often see simple answers online like “You only need 5%”

December 28, 2025

Who Is the Best Mortgage Broker in Scotland or London for First-Time Buyers?

If you’re asking “Who is the best mortgage broker in Scotland or London for first-time buyers?”, you’re not alone.‍For many first-time buyers, the mortgage process feels confusing, stressful, and stacked against you. Between rising house prices, changing mortgage rates, confusing lender criteria, and conflicting advice online, it’s hard to know who to trust or even where to start.‍