Do you charge for mortgage advice in Aberdeen?

Initial advice is free. If you proceed with an application, any broker fee that applies will be explained and agreed upfront before submission.

Is Scottish mortgage advice different?

The mortgage products are the same UK-wide, but the legal process differs — sealed bids, home reports, and LBTT instead of stamp duty. We're fully experienced with Scottish purchases.

Can you help with energy-sector relocation mortgages?

Yes. We work with lenders flexible on contract income and overseas earnings, which is common in Aberdeen's energy sector.

Do you cover Aberdeenshire?

Yes — we help clients across Aberdeen city and Aberdeenshire.

Do lenders accept oil & gas / energy contract income in Aberdeen?

Yes — but lender appetite varies, especially for rotational and overseas income. We work with lenders that understand offshore patterns and overseas earnings.

How quickly can I get a mortgage in principle for an Aberdeen closing date?

Usually within 24 hours. Aberdeen's sealed bid market makes a ready MIP essential — we move quickly when a closing date is set.

Are granite-built homes harder to mortgage?

Generally no — granite is a standard Scottish construction and widely accepted. Lenders care more about overall condition than the material.

Can I get a buy-to-let mortgage in Aberdeen?

Yes. Aberdeen has some of the best BTL yields in Scotland on smaller flats. We arrange BTL mortgages with specialist lenders.

Do you cover Aberdeenshire towns like Stonehaven and Inverurie?

Yes — we help clients across Aberdeenshire.

Aberdeen, Scotland

Mortgage Advisor in Aberdeen

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Mortgage Advice in Aberdeen

Aberdeen's property market is one of the most distinctive in the UK — shaped by the energy sector, granite architecture, and Scotland's unique conveyancing system. Whether you're a first-time buyer in Mannofield, relocating for the energy transition, or investing in a city-centre flat, our advisors understand Scottish sealed bids, home reports, and LBTT — and we provide free initial advice and agree any broker fee upfront.

Aberdeen Property Market

Average Property Price

£165,000

Popular Areas

West EndMannofieldCultsBridge of DonBieldsideRosemountFerryhill

Our Mortgage Services in Aberdeen

First-Time Buyers

Expert advice for first-time buyers in Aberdeen. We'll guide you through every step.

Learn more about First-Time Buyers

Remortgage

Switching your Aberdeen mortgage? We compare 90+ lenders to find your suitable deal.

Learn more about Remortgage

Home Movers

Moving within or to Aberdeen? We'll handle your mortgage so you can focus on the move.

Learn more about Home Movers

Buy-to-Let

Investing in Aberdeen property? We specialise in BTL mortgages for landlords.

Learn more about Buy-to-Let

Buying a Home in Aberdeen — What You Need to Know

Aberdeen prices remain below their 2014 oil-boom peak, offering strong value vs Edinburgh and Glasgow.

Granite-built West End family homes (AB10/AB15) remain the city's premium segment.

BTL yields of 6–8% are achievable on smaller flats — among the best in Scotland.

Scotland's sealed bid system means having a mortgage in principle ready is essential — we can usually arrange this within 24 hours.

Energy-transition projects around the South Harbour are starting to reshape long-term employer demand.

Market Trends

Aberdeen Property Market Trends

Aberdeen prices remain below their 2014 oil-boom peak but have stabilised, with modest 1–2% growth year-on-year.
Energy-transition investment is reshaping employer demand and broadening the buyer pool.
Granite-built West End family homes remain the city's premium segment.
BTL yields of 6–8% are achievable on smaller flats — among the best in Scotland.

Local Updates

Recent Aberdeen News & Updates

2026

Aberdeen energy transition zone progresses

ETZ projects around the South Harbour are supporting longer-term employment and housing confidence.

Early 2026

Union Street masterplan revival

Council investment in pedestrianisation and central regeneration is starting to lift sentiment in AB10/AB11.

Market data and updates are indicative and based on publicly available sources up to early 2026. Speak to an adviser for live figures specific to your circumstances.

Local Market Data

Aberdeen Mortgage Market — Key Numbers

A snapshot of what the Aberdeen mortgage market looks like right now, reconciled against HM Land Registry UK HPI, ONS, Rightmove and Nationwide reporting. Use these figures as a starting point — we'll refine the numbers to your circumstances on our first call.

Average sold price

£190,000

Year-on-year: +1.5%

Typical first-time buyer price

£160,000

Typical deposit: £24,000 (12.6%)

Common income multiple

4.5–5.5×

Higher available for select professions

Typical BTL yield

6–8% (smaller flats)

Gross, subject to stress testing

Typical time to sell (STC)

~55 days

Source: Rightmove regional data

In-demand postcodes

AB10 West EndAB15 CultsAB11AB24

Figures are indicative, based on publicly available data up to early 2026. Individual property valuations, lender criteria and stress tests will vary — book a free call for a personal quote.

What Aberdeen Customers Say

"Bought our first flat in Rosemount. The sealed bid process felt manageable with our advisor's help."

Callum & Lorna M.

First-Time Buyers — Aberdeen

"Remortgaged in the West End and saved £170/month. Very professional service."

Innes D.

Remortgage — Aberdeen

"Bought a BTL flat near Ferryhill. Great rate and zero broker fees."

Hannah R.

Buy-to-Let — Aberdeen

Sources & Further Reading

Aberdeen mortgage market — data sources

The market figures and regulatory context on this page draw on the following official and industry sources. All links open to the publisher's own website.

Home Report guidance
Scottish Government (mygov.scot)
Housing
Aberdeen City Council
UK House Price Index (search tool)
HM Land Registry
House Price Index — latest bulletin
Office for National Statistics
Nationwide House Price Index
Nationwide Building Society
Halifax House Price Index
Halifax / Lloyds Banking Group
House Price Index & regional market reports
Rightmove
Bank Rate
Bank of England
Mortgage rules (MCOB) sourcebook
Financial Conduct Authority
Firm reference 754691 — The Mortgage Genie Ltd
FCA Register

The Mortgage Genie Limited is an Appointed Representative of First Complete Ltd, trading as Primis Mortgage Network, which is authorised and regulated by the Financial Conduct Authority (FCA 435779). The Mortgage Genie Limited is entered on the FCA register (firm reference 754691).

Mortgage FAQs — Aberdeen

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