With a strong background in property and finance, I provide clear and balanced guidance to help you navigate your purchase or remortgage with confidence. Whether you are buying your first home, moving property, refinancing, or expanding a portfolio, each situation requires careful consideration.
Every mortgage decision should be based on your individual circumstances, financial position, and long-term plans. I take the time to understand your needs and explain the available options in a straightforward, transparent way. This allows you to make informed decisions that suit your objectives.
As a mortgage broker in Edinburgh, I offer access to a wide range of lenders and mortgage products. Recommendations are always made based on suitability and affordability, ensuring they align with regulatory standards and responsible lending practices.
If you would like to explore your options, you can find Mortgage Advisers through Connect Experts to speak with a qualified professional.
Martin Lunn - BA CeMap
My passion for property and finance led me to establish Bay Tree Finance so I could provide you with clear support that works for you. My experience began as a landlord where I encountered the challenges of property ownership and recognised that I could provide tailored financial solutions so others could benefit from this knowledge. The company is committed to assisting clients at every stage whether buying their first home or managing their investments.
I proudly serves clients across Edinburgh, including Edinburgh South, South Edinburgh, Southside, Gilmerton, Liberton, Dalkeith, and Danderhall.
My Dedication to you!
With access to a wide panel of over 200 lenders and providers, I can research mortgage and protection options that reflect your individual circumstances. Whether you are buying a home, remortgaging, investing in a buy to let property, or reviewing your protection needs, I will explain the available options clearly and objectively.
I provide guidance throughout the process, from initial research through to completion. This includes discussing mortgage products, associated costs, and arranging life insurance, income protection, or critical illness cover where appropriate. My role is to help you understand your choices so you can make informed decisions based on your needs and preferences.
All recommendations are tailored to your situation and subject to lender criteria, affordability assessments, and status.
We Have Access to
200+
Lenders and Providers
What we offer
Residential
Residential mortgages involve both challenges and opportunities for prospective homeowners. Careful planning and expert guidance can help identify clear homeownership goals and secure mortgage solutions that align with individual needs. Whether purchasing a first property or moving to a new home, professional support throughout the process can provide confidence and clarity, helping to secure competitive rates and suitable terms that support long term financial stability.
Buy-to-Let
Buy-to-let mortgages present both challenges and opportunities for property investors. Clear planning and informed advice can help define investment objectives and secure mortgage solutions designed to maximise returns. Whether expanding a portfolio or managing a single rental property, professional guidance throughout the process can provide clarity and confidence, helping secure competitive rates and appropriate terms that support long-term investment success.
Bridging
When clients require quick access to funds, I provide expert advice on bridging finance, a short-term loan option designed to cover gaps during urgent situations. I recognise the need to act swiftly in property transactions and to give my clients the confidence to make time-sensitive decisions. My approach is to make bridging finance straightforward, enabling clients to take advantage of opportunities without unnecessary delays.
Protection
Protecting my clients’ assets and families is my top priority. I am dedicated to providing clear and practical advice on protection products. I assist clients in selecting life, income, and critical illness cover that suits their specific needs. My approach goes beyond policies. It ensures clients are prepared for unexpected events while safeguarding their investments and loved ones.
To get in touch, please fill out the contact form. Your information will be used solely to assess your needs and to provide tailored mortgage or protection advice.
We take data privacy seriously, and your details will be stored securely in compliance with GDPR, ensuring they remain confidential and are only shared with lenders or third parties essential to your application.
To view my broker profile page click here!
Your home may be repossessed if you do not keep up repayments on your mortgage or loans secured on it.
Bay Tree Finance is an Appointed Representative of Connect IFA Limited 441505, which is Authorised and Regulated by the Financial Conduct Authority and is entered on the Financial Services Register (https://register.
The FCA does not regulate some forms of Business Buy to Let Mortgages and Commercial Mortgages to Limited Companies.The information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
Bay Tree Finance Registered Address: 320 Firecrest Court, Warrington, United Kingdom, WA1 1RG Registered in England and Wales No: 15975183
We are a credit broker and not a lender. We have access to an extensive range of lenders. Once we have assessed your needs, we will recommend a lender(s) that provides suitable products to meet your personal circumstances and requirements, though you are not obliged to take our advice or recommendation. Whichever lender we introduce you to, we will typically receive commission from them after completion of the transaction. The amount of commission we receive will normally be a fixed percentage of the amount you borrow from the lender. Commission paid to us may vary in amount depending on the lender and product. The lenders we work with pay commission at different rates. However, the amount of commission that we receive from a lender does not have an effect on the amount that you pay to that lender under your credit agreement.
There will be a fee for mortgage advice, the precise amount will depend upon your circumstances. Your Consultant will confirm the amount before you choose to proceed but we usually charge a fee of £500.