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Mortgage advice | Capital Credit Union
Mortgage advice

Advice and help,
without pressure.

A free conversation with a real person about your mortgage. Ask anything you like, take what's useful, and decide what to do next in your own time.

Free advice. No commitment to apply. Subject to status and affordability. Membership eligibility criteria apply.

Lauren Connell, Mortgage Adviser at Capital Credit Union
Lauren Connell Mortgage Adviser · CII Certificate in Mortgage Practice & Equity Release
20+ yrs Experience
First-time Buyer specialist
Email Call
Common topics

Things people ask Lauren about

Ask Lauren about borrowing capacity Ask Lauren about deposits Ask Lauren about variable rates Ask Lauren about Shared Equity & LIFT Ask Lauren about non-standard income Ask Lauren what your next step is
How it works

From first message to sound decision

Four small steps. None of them commit you to anything.

1

Get in touch

Drop Lauren an email or give her a call to say hello.

2

We schedule a chat

Pick a time that suits you. Phone, video, or in person.

3

We talk it through

Lauren explains your options in plain English, no jargon.

4

You decide

Apply, wait, or walk. It's entirely your call.

Worked examples

What a mortgage might look like

Four illustrative scenarios on a £150,000 property over a 25-year term. The deposit you put in changes the loan-to-value (LTV), and that changes the rate available to you.

£150,000 property · 25-year term
LTV Deposit Rate Monthly payment Term
90% £15,000 4.75%4.8% APRC £769.66 25 years
85% £22,500 4.5%4.6% APRC £708.69 25 years
75% £37,500 4.25%4.3% APRC £609.46 25 years
50% £75,000 4.1%4.2% APRC £400.03 25 years

Examples for illustration only. Actual rates available to you depend on your individual circumstances, the property and the product chosen at the time of application. Your home may be repossessed if you do not keep up repayments on your mortgage. Subject to status and affordability. Membership eligibility criteria apply.

Common questions

Before you book in

A few things people often want to know before they pick up the phone. If your question isn't here, ask Lauren directly.

View all mortgage FAQs →
No. You're welcome to talk to Lauren before you've joined, and there's no obligation to apply afterwards. If you'd like to take a mortgage with us, you'd join as part of that. Membership eligibility criteria apply.
Nothing. Initial and ongoing mortgage advice is free, whether or not you go on to apply. If you decide to apply, any mortgage or third-party costs (valuation, solicitor) are explained upfront before you commit.
An initial chat is usually around 30 minutes, longer if there's a lot to talk through. Lauren will tell you upfront how much time to set aside, and you can take it in stages if you'd rather.
Nothing formal. A rough idea of your income, the deposit you have or are saving, and what you're hoping to do is enough to get a useful conversation going.
LIFT (Low-cost Initiative for First Time buyers) is a Scottish Government Shared Equity scheme that helps first-time buyers get on the ladder by covering part of the purchase price. Eligibility depends on your circumstances and the property. Lauren can talk you through whether it might suit you.
No. If now isn't the right time, Lauren will say so. If a different lender is a better fit, she'll point you there. We'd rather you came back when it's the right moment than rushed into something that doesn't work for you.

Got a question we haven't covered? Just ask.

Lauren is happy to talk through anything else, in your own time.

Email Lauren 0131 466 9388

Subject to status and affordability. Membership eligibility criteria apply. Your home may be repossessed if you do not keep up repayments on your mortgage.