Martin Lunn, CEO and Founder of Bay Tree Finance

Martin Lunn is the CEO and Founder of Bay Tree Finance, with over 18 years of experience in the financial services industry. His background spans banking, mortgage advice and protection planning. He works with individuals, families and businesses across Scotland who require clear and responsible mortgage guidance.

Bay Tree Finance provides advice on residential mortgages, buy-to-let mortgages, commercial finance, bridging finance, and protection. The firm focuses on delivering structured, transparent advice tailored to each client’s circumstances and objectives.

Mortgage advice is tailored to your needs and provided in line with current UK regulatory standards.

Mortgage Advice in Edinburgh and Across Scotland

If you are searching for a mortgage broker in Edinburgh, it is important to work with an adviser who assesses your full financial position before making recommendations. Martin supports clients purchasing their first home, moving property, refinancing, or investing in buy-to-let opportunities.

Advice is based on affordability, lending criteria and suitability. Where appropriate, options from a broad panel of lenders are considered to help identify competitive solutions.

For those relocating to Scotland, you may also find it useful to speak with a mortgage broker in Edinburgh.

How Mortgage Advice Is Delivered

Every mortgage journey begins with a detailed fact find. This ensures recommendations are suitable and affordable.

The process includes:

• Reviewing income, expenditure and credit history
• Explaining available mortgage types and repayment structures
• Outlining lender criteria and potential costs
• Supporting communication with lenders and relevant professionals

Clients are encouraged to ask questions to make informed decisions. Clear explanations are provided without jargon.

Areas of Advice

Bay Tree Finance provides advice in the following areas:

• Residential Mortgages:  Support for first-time buyers, home movers and those purchasing a new main residence.
• Remortgages: Advice for homeowners reviewing their current deal or approaching the end of a fixed rate period.
• Buy-to-Let Mortgages: Guidance for landlords purchasing or refinancing investment properties. Tax treatment depends on individual circumstances and may change.
• Commercial and Semi-Commercial Finance: Funding solutions for business premises and mixed-use properties, subject to lender criteria.
• Bridging Finance: Short-term lending options where appropriate, often used for time-sensitive purchases.

Adverse Credit Cases

Support for applicants with historic credit issues, where lenders may consider applications subject to underwriting. Different lenders apply different criteria. Advice is based on individual eligibility and affordability.

Supporting a Range of Client Circumstances

Martin has supported:

• Self-employed applicants with variable income
• First-time landlords entering the rental market
• Homeowners reviewing monthly commitments
• Property investors planning structured growth

Each case is assessed on its own merits. Outcomes cannot be guaranteed, and approval is subject to lender assessment.

Location and Availability

Martin works with clients in Edinburgh and surrounding areas, including South Edinburgh, Southside, Gilmerton, Liberton, Dalkeith and Danderhall. Advice can also be provided remotely where appropriate.

Speak to Martin Lunn

If you require mortgage advice in Edinburgh or elsewhere in Scotland, you can arrange an initial discussion to explore your circumstances and objectives. The aim is to provide clear information so you can decide what is right for you.

Mortgage advice should always be based on suitability, affordability and your long term financial plans.