Residential Mortgages

Commercial Mortgages

Short-Term Finance

2nd Charge Mortgages

Specialised Buy-To-Let Mortgages

Complex Mortgages

Other Finance Products

Reviews

We received an excellent service from Michelle at the Lending Channel. Michelle was very prompt in replying to our queries and was very friendly with every interaction. Thank you again Michelle.

Mhairi Marshall
2023

Excellent communication and updates throughout the whole process from Michelle who put a lot of time and effort in securing a very good deal for us.

Jim Lafferty
2023

Excellent service from Leann from start to finish. She was very efficient and put our minds at ease. Very quick service as well would def recommend. Thank you

Karen Norton
2023

Absolutely brilliant service from Leann Polson who was able to help my client secure a mortgage to buy her property. Leeann kept me well up to date with the whole process!

Lisa O'Connor
2023

Excellent customer service. Dealt with professional manner and no pushy tactics to purchase. Would highly recommend

Keiran McFarlane
2023

I am a broker and was having difficulty placing a case, contacted the lending channel and was put through to Leann Polson who did a fantastic job, sourced a mortgage for my client and kept me regularly updated throughout. Would not hesitate to use The Lending Channel again

Paul
2023

Both Danielle and Lisa were invaluable in securing our mortgage deal. They worked hard to keep us up to date with progress reports and helped us to find a great deal under some time pressure to close the deal. We have used the Lending Channel before and would absolutely use them again.

Gillian Whiteford
2023

Sympathetic, non judgemental service. Efficient and very pleasant to deal with

Stuart McMain
2023

I was referred to Michelle from another amazing Mortgage Advisor Joanne, as she's one of the best! Michelle did not dissapoint at all, she was very welcoming, demonstrated her extraordinary experience throughout the process and was able to sort out my Mortage for me. She did this by keeping me well up to date and keeping me calm throughout the full process, as it can be quite stressful ! We secured the Best Offer Mortgage possible and I'm over the moon with the service provided! If you are thinking of using Lending Channel.... don't waste any time and book these guys! They are amazing

Laura Paterson
2023

Alison and Leena were amazing to deal with at The Lending Channel. They kept us to up to date throughout the process and made it really easy for us. Thanks guys and I look forward to working with you in the future. Would highly recommend to anyone.

Ross Hall
2023

I cannot thank Michelle at The Lending Channel enough for her superb professionalism and ability to sort out my financial requirements so quickly and efficiently. Her friendly and "can do" attitude have really made this task seamless. I am most grateful to her for her assistance in what could have been a very stressful and time critical situation.

Magi Henderson
2023

Excellent service from Leann and Natalie at The Lending Channel. Professional service, efficient and knowledgeable. I would highly recommend to anyone looking for a mortgage.

Sharon Carling
2023

Excellent service from Michelle. Would highly recommend.

neil rutherford
2023

Absolutely 5* service. Alison and Leena were both amazing throughout the whole process of buying our first home. They were always available by both email and telephone and ready to answer any questions and queries we had. We cannot thank them enough for the time they invested into our mortgage and for the great deal they were able to get us through their hard work and efforts! Exceptional service!

Muniba Naeem
2023

Couldn’t recommend Alison and Leena highly enough. Got us exactly what we needed and kept in contact with us throughout the process.

Lyndsay McGowan
2023

Couldn't recommend The Lending Channel more! First class service in helping us with a first time buyer mortgage. Alison was brilliant and always available at the end of the phone to guide us through - the whole process was made simple and straightforward.

Cameron Ewing
2023

We had an excellent experience dealing with The Lending Channel. Michelle kept us up-to-date throughout the process. We could not have been happier with the level of service from start to finish. Would highly recommend.

Philip Collinson
2023

I don't give 5 stars unless its earned. I'm happy to recommend the lending channel for the following reasons, product offering- they found me the right deal for my circumstances, price- within my budget, communication - clear & regular. Thanks guys and take care, Barry :-)

gmail gmail
2023

Had a great experience with this organisation getting a second charge loan. They kept me informed all the way and were professional and friendly.

David Prentice
2023

Excellent service from leann and above all, a lot of patience in the process. I would definitely use again if needed.

Div McMath
2023

Over the past few months Sara and the team at the lending channel have helped me with various aspects of lending such as bridging loans, mortgage for new buy and equity release to allow the next projects to be undertaken. I would highly recommend working with the lending channel for all of my future needs

Thomas Dornan
2022

Excellent work by the whole team! Managed to get us a what seemed an impossible deal from most lenders. Definitely recommend. Hope to work with you all again soon

alison mbekeani
2022

Needed to organise a bridging loan, and was referred here by my usual high street mortgage broker who don't provide that type of loan. Sara Barrie and Lisa MacDonald provided excellent support throughout what was inevitably a complex and potentially stressful process. Bridging loans ain't cheap, but sometimes they're necessary, and I was very satisfied with the service and product provided.

Dominic Ashmole
2022

So pleased that we were referred to The Lending Channel and they were able to help us get the mortgage we needed to buy our first property together! Nothing was ever too much hassle for Zoe and the team and they were there every step of the way to answer the many questions we had. Highly recommend!

Sarah Hendren
2022

Fantastic service from Michelle at The Lending Channel. I had difficulty getting a mortgage. Few mortgage advisors and banks could not find a lender/offer me a mortgage due to holiday home income not being considered as a regular income. Michelle at The Lending Channel went the extra mile finding me a lender suited for my circumstances. Thank you very much for an excellent service. I cannot reccomend Michelle and The Lending Channel high enough! Great service!!

Nuwan Eshwara
2022

We needed a small mortgage after deciding to sell our home and upgrade to a larger property. The lending channel were exceptional and went above and beyond in finding us a great deal especially in the current times we find ourselves in. I would like to thank Zoe in particular for her knowledge and experience and making sure everything went as quickly and smoothly as possible. I would not hesitate to recommend the Lending Channel.

Stephen Diggle
2022

Zoe & the team were amazing at helping one of my clients! The attention to detail and constant updates were so reassuring at a worrying time for my clients. Thank you so much I’d be more than happy to work with you again

Kendal Ritchie
2022

From the very initial phone call with Sara I was taken care of very professionally and efficiently. Lisa assisted in processing the application and she kept me informed every step of the way. Communication was constant throughout the whole process of needing a bridge. I am extremely happy with the service I received and will definitely be a returning customer. Thanks for making this such a straightforward and stress free experience.

Jo Gray
2022

From the first phone call to securing our mortgage, the lending channel could not of been more helpful, friendly and professional at every juncture. The whole team support you and communicate regularly and can't speak highly enough about them. mortgagemortgage for

David Lewington
2022

Very happy we chose The Lending Channel for our mortgage. We were getting a flat above a shop so I was worried we would struggle to secure a mortgage, but Zoe was brilliant at securing a great offer for us and even managed to extend it by one month when our purchase process turned out to be lengthier than expected. Top quality customer service and I thoroughly recommend them. Thanks Zoe!

Alex P R
2022

I have used The Lending Channel on several occasions and found Sara, Lisa and Murray to be knowledgeable, diligent and very efficient in these challenging times. Would definitely recommend them and will be using them again

David Luke
2022

Would recommend to everyone Alison Mitchell and the team she works with are very helpful and very good at what they do with the current climate post pandemic mortgage rules are much tighter and stricter therefore can’t say it was the least stressful thing we have done but as said Alison and her team were very helpful every step of the way

Steven Petrie
2022

I have now worked with Sara from "The Lending Channel" on several mortgages and must say she and the lending channel have been great. I have dealt with a number of mortgage brokers before and I must say they have been great and their service is far superior to most that I have dealt with. I have more business to come and I would definatley use Sara, lisa and the Lending Channel again.

Neil Hood
2022

It's always a minefield when selecting a mortgage broker, but I can honestly say I made the right choice with the Lending Channel. Can't thank Zoe enough for guiding me through the re-mortgage process and getting a great mortgage deal. Will be back in a couple of years!

Adrian Parkinson
2022

The service we received from Zoe & Natalie at The Lending Channel was absolutely first class. We were kept informed at all times and the process was very smooth, from start to finish. Highly recommended indeed. Thank you for all your hard work.

Katie Tuite
2022

I’ve just completed a secured loan via LC and they were fantastic. I was kept informed throughout (Michelle and team were brilliant) and the end to end process was swift and seamless - 5star service!

gary homer
2022

Helped us to obtain a re-mortgage under very difficult circumstances.Very happy with the result and will definitely use again.

bruce brown
2022

Sara and Lisa were both so brilliant from start to finish to help me secure the finances I needed for my house purchase. They were just so helpful, friendly and informative. Can't fault their professionalism and the over and above willingness to help me at every step. Would highly recommend.

fiona kay
2022

Jamie Gillespie was absolutely brilliant in securing our first LTD company BTL mortgage. Everything was plain sailing with no fuss at all. He well exceeded our expectations. Thank you Jamie

Leaving It All Benind
2022

Fantastic. We are first time buyers and they made process easy and helped every step of the way. A special thank you to Alison for helping us get our dream home.

Lauren Williamson
2022

Got 1 million pounds loan for a house couldnt belive it

Garry Menzies
2022

I cannot thank the lending channel enough. First class service from start to finish. Jamie Gillespie is a credit to the company. His professional and personal service he delivered was exceptional. He kept me up to date, keeping my mind at ease for a speedy, successful mortgage application and approval. I would highly recommend Jamie and the team as all of them delivered a outstanding service.

Alanna Di resta
2022

First class service. We needed short term bridging to buy a property. We were directed to TLC by a high street mortgage broker. The service has been excellent. It was a difficult and sometimes stressful process but TLC guided us through it and we go there in the end. Sara Barrie was our contact and she was first class throughout. Always keeping us informed and pushing the lender when needed. Must be a stressful job but she always managed to resolve any issues. I can't fault and would highly recommend

Hamish Marshall
2022

Great service and would highly recommend

not used
2022

TLC offer a very professional and helpful service. I cannot praise Sara enough for her financial product knowledge and her proactive attitude through all stages of our discussions.

Kevin Keenan
2022

Highly recommended, first class service. Easy to deal with, great communication.

James Geddes
2022

I've just finalised the purchase of my new home and definitely wouldn't have managed it without the help of Zoe at The Lending Channel. After a really poor start from another company, Zoe was on the ball getting all the information I needed to help me purchase my new home. Zoe was always in touch with updates and even up until the purchase finalised she was always making sure things were progressing. No question was too stupid for her to answer (and I had plenty) and I always felt I could contact her if I needed too. Will definitely recommend The Lending Channel to anyone who needs help getting their mortgage sorted and will 100% speak to them first in the future if I ever needed anything else.

Lisa Cowie
2022

We used The Lending Channel while arranging finance for some home improvements. Working with Leanne to get all our paperwork in order was very easy and the finance was arranged much quicker than expected. Leanne was very helpful and always quick to feedback any issues so that we could resolve them in a timely manner. Thanks for an excellent service!

Liam Gove
2022

Leanne was excellent and very thorough. As an expat it was a bit challenging to find a lender and had almost given up hope but Leanne managed to find a lender. Thanks for all your help. Highly recommended.

Roddy Blair
2022

Our slightly complicated remortgage of our HMO property was made completely stress free by The Lending Channel, in particular Lindsay Ross who saw it through and kept us informed every step of the way. Wouldn't hesitate to use this broker again, thank you!

Katie Tynan
2022

I cannot recommend the Lending Channel and especially Sara Barrie for their help in securing our new home .Sara especially was excellent in her prompt and efficient service in managing our request.Her communication with us was first class in responding immediately to phone calls and e mails . I would have no hesitation in recommending the lending Chanel for anyone needing this service

Jacqueline Jack
2022

I can’t thank Leanne at the Lending channel enough for sorting our mortgage on our new house. She was thorough and explained everything, and got us the best mortgage for us and it fit all our criteria. The service was very attentive and supportive at every step I thoroughly recommend!

Louise Hedley-Forrest
2022

On buying our first home the thought of getting a mortgage was really daunting! Through using Leanne and Zoe this was taken away completely. Their clear, regular updates and friendly advice allowed us to leave it with them and focus on all the other aspects when buying a property. We can’t recommend them enough!

David Green
2022

Zoe was excellent through the whole process. Very easy to deal with and kept me informed through every stage.

iain bell
2022

Excellent service from Leanne and Natalie. Listened to what we were looking for and stayed in contact with regular updates.

Sara McMullen
2022

Just had the privilege of dealing with Leanne at the lending channel. Whole process was transparent, easy and very quick, despite my 1000 questions, sorry Leanne… had contacted a few companies before settling here as was made to feel comfortable and not just another number in the system. Would highly recommend.

Chris Blair
2022

I would have no hesitation in recommending Zoe at The Lending Channel. She was committed to ensuring the best product was sourced, keeping us constantly up to date with progress. A very smooth, and stress free experience.

Sarah Morris
2022

I would like to take the opportunity to strongly recommend this company for the exceptional levels of customer service when we were in need of a mortgage for a buy-to-let property. My contact was Jamie Gillespie who was very professional throughout and always responded to my questions in a timely manner. I will definitely use the Lending Channel again

Revoan Property Management
2022

Incredibly helpful team who managed to navigate us through our mortgage application which included several complications. Thanks for all your help

Tom Brown
2022

Sara and the team helped us with a mortgage and we are delighted with the communication, the service and the speed that everything was completed. We will and have recommended to friends and family.

Paul Smith
2022

Highly recommended. Zoe worked so hard to find the right lender for me. She was great at keeping me posted and really helpful and knowledgeable throughout. Zoe was professional and honest from initial application to completion. The Lending Channel are great! Thank you!

David Walker
2021

TLC took my complex financing case and pursued the lenders relentlessly to achieve a timely transaction. I highly commend them, and specifically Zoe Drury, on record keeping and tenacity.

Evan Reynolds
2021

Highly recommend The Lending Channel, I had Alison dealing with my mortgage, the service provided was excellent, freindly, great communication, very efficient and knowledgeable. I will definitely use them again in the future.

Harcus
2021

Fantastic service, Sara in particular was absolutely amazing, put me at ease, answered all my questions and helped us through the entire process - would highly recommend

morven richardson
2021

The team at the Lending channel have been fantastic from start to finish, Alison particularly was very well informed about our options and always gave us the best advice. I would recommend the team to anyone needing financial advice excellent 10/10

Tracey Young
2021

Mine was not an easy case but Zoe worked hard to find the right lender for me. She was great at keeping me posted and really helpful and knowledgable throughout. When no one else could help me, The Lending Channel did! Thank you!

Karen Sant
2021

Excellent service provided by the Lending Channel, would strongly recommend using this company, I would not hesitate to use them again.

andy cheeseman
2021

Purchased our property with the help of The Lending Channel, could not recommend them highly enough. Exceptionally knowledgable and fantastic communication throughout. We dealt with Zoe mainly and would not hesitate to recommend her to anyone, incredibly helpful and kept us fully updated throughout the process. Very competitive fees that certainly represent excellent value for money.

Jordan Watterson
2021

Sara at the Lending Channel helped us obtain a mortgage recently. We highly recommend Sara, she was knowledgeable and friendly and explained everything in detail for us (as first time buyers there was quite a lot we needed help to understand) We can’t thank her enough for all of her help.

G May
2021

Thanks to Sara and the team, I secured the perfect mortgage at the most stressful time during the Covid lockdown! They guided me through and kept everyone involved with the purchase on their toes including me. Would not hesitate to recommend the Lending Channel in Perth.

kay mcclement
2021

Sara Barrie was absolutely superb from start to finish in my dealings with her, nothing was a problem and i was kept informed throughout the entire process, can't recommend highly enough

Dave WOODHAMS
2021

Alistair was very proactive, highly solution driven and fast responsive to achieve short deadlines so we managed to complete the mortgage applications on time. I highly recommend 'The Lending Channel" and the entire team for everyone to consider on their personal or business mortgage applications.

Brightwise Management Ltd.
2021

TLC made a complicated process straightforward. Very good customer service and communication, would highly recommend.

Lucy Wykes
2021

Excellent service, very helpful.

Zaber Khan
2021

Sara Barrie provided a very professional and friendly service, this was not a straightforward or easy case but she did an excellent job of keeping everything moving forward and would highly recommend Sara.

Cameron Smith
2021

Leanne was excellent. Very efficient and kept us up to date re progress. Mortgage obtained very quickly. First class service. Highly recommend! thank you

Russell Crighton
2021

Excellent service from Alison and Katriona. Highly recommend.

claire anderton
2021

Fantastic service from Leanne at The lending channel, great communication from our first phone call to our last email when the mortgage was approved, Leanne also responded to emails out with the normal working day and also at weekends going above and beyond for us. We are very appreciative of what leanne done for us in getting us our first mortgage, especially in the current climate and circumstances. Thanks again leanne

daniel
2021

I cannot thank Alistair and his team at the Lending Channel enough. We have been building up a small portfolio of buy-to-let properties in Bearsden | Milngavie areas for our pension and we had hit a brick wall with numerous other brokers that we had approached. They informed us they couldn’t get us any finance, due to me being an expat working in Ethiopia. Alistair took on the challenge and we jumped through many hoops that the lenders put in front of us and, subsequently, we not only got one buy-to-let, he has managed to arrange 3 for us so far. Great communication and straight to the point, no building up false hopes. I cannot recommend Alistair and the Lending Channel highly enough. Great team, Great Service!

Bradley Menzies
2021

Our experience with The Lending Channel was positive and flawless. Leanne pulled out all the stops to arrange a mortgage for us in record time. We would definitely recommend The Lending Channel.

Amanda Rodger
2021

I came across this company recommended by my daughter who knew one of the employee’s who has held a job there for some time. I was unsure about remortgaging to buy a property abroad. I can only say that I have a very easy stress less experience from start to finish and completed on time with the very experienced Leanne. I can only thank her and the company in the professional way they made this possible. I would not hesitate to recommend the lending channel, a superb service Thank you Fiona

Fiona Hyde
2021

The lending Channel were recommended to me and they were excellent. My requirements were not straightforward - expat, HMO property and during Covid, but TLC found a good lender and guided me through the process. Very reasonably priced and excellent service from TLC (Lindsay in particular)

Elizabeth Holt
2021

Honestly couldn't recommend The Lending Channel enough, such a smooth and easy process from start to finish, which was appreciated at a very stressful time. The staff are just lovely and have a very friendly, professional manner - I especially want to say a big thank you to Leanne who went above and beyond - she really is a star! Nothing was ever too much trouble and her communication with me throughout was impeccable. Sara's help was also very much appreciated - both are a credit to the company. Thank you so much!

Kirsty Dyer
2021

Excellent service from Murray and The Lending Channel team for handling my multiple property refinance within a short period. Really delighted with the service and the experience at every stage of the process. Many thanks.

Andrew Arere
2021

I can't thank Danielle enough for her services throughout what was a challenging mortgage application from start to end. She kept me informed at every stage of the application and I've already begun a second application with her which says it all. Many thanks to Danielle and The Lending Channel.

David Allan
2021

The team at The Lending Channel have been invaluable in securing our mortgage. The friendly team are super efficient and kept in touch regularly throughout the process. Highly recommended.

Kirstie Pirie
2021

Every step of the way the team helped us and made the whole process simple and stress free. Thank you for making our new home possible!

Andy Croghan
2021

I cannot recommend The learning Channel Highly enough. Their friendly, personal support meant everything during, what could have been a stressful time. They kept in contact all the way and working with the same person meant you had someone to contact. Sara was so helpful and guided us all the way, we really appreciated her support. Leanne made the process of gathering the information so much easier. Thank you for everything.

Aileen Cunningham
2021

Always excellent service, they have a "can do" attitude. Very pleased to recommend them

Stephen Abbott
2021

Excellent service, The Lending Channel provided an extremely efficient and effective service, exploring and providing different options to meet our requirements; along with a full run down of the details and costs attached to each product and each option. Our contact Leanne was a credit to the business, keeping us abreast of all developments along the way in a understandable, competent and timely manner that made the whole process a simple one to navigate. Would definitely recommend and use again.

Mark Wasden
2021

Really excellent experience with The Lending Channel. They sourced an excellent finance product for my company. Very good communication and customer service. I would recommend and fully intend to use them again in the future.

Neil White
2021

All Types Of Property Finance Provided By A National Broker

The Lending Channel is a broker trading throughout the UK from our Scottish base in Perth - here to help you achieve a property lending solution.

We search the market for you – saving you time and hassle – and can secure a wide range of lending products often regardless of circumstances.

With our assistance, you can access the deal you need and achieve the right financial solution for your circumstances; even if you are a portfolio landlord, have a complex mortgage requirement or have been refused by a lender already.

We are a small family run business and we pride ourselves on delivering a swift, professional and easy to understand service.

The process

Depending on which type of loan product you need, click on the relevant link to discover more detailed information.

Then either give us a call or complete the online enquiry to start the ball rolling.

While technology does play a big part in our application process, we don’t depend solely on computers to make decisions. We encourage you to phone now and talk to one of our expert advisers.

Our clients typically have been unable to get the ‘right’ deal from their High Street bank, or in many cases have been turned away by a lender! But our directors (and staff) have a long, established history providing lending and other financial solutions to help clients from all walks of life.

It is likely that you will be charged a fee for using our services, but this does depend on the type of facility you apply for, and the solution we offer you. All enquiries are treated on a no-obligation basis, and you will be made fully aware of any fees to be charged before committing to any step.

Introducers

If you are not a direct client looking for a lending solution, perhaps you are interested in introducing business to us? If so, please call now for more details or follow the Introducers Link.

The Lending Channel are full members of the National Association of Commercial Finance Brokers.

Case Studies

£259k Commercial Loan - Serviced Apartments

£259k TSB Commercial Loan - Serviced Apartments

Dentist Case Study (Commercial Mortgages)

This Dentist already ran a successful practice in Edinburgh where he owned his premises, but he wanted to purchase another dentist business including the bricks and mortar asset.

4.92% Secured Loan

The Lending Channel team recently completed a large £100k Secured Loan for a property client who needed to raise the cash quickly to assist with a property transaction.

£240k complex 1st Charge Mortgage

Refinance of a self build property in Perthshire. Client is a developer and needed to raise capital on this new main residence to fund his next projects.