Tatyana Stefanova – Founder of FP Finance Limited and Mortgage Broker in Edinburgh

Tatyana Stefanova is the Founder of FP Finance Limited and an experienced mortgage broker based in Edinburgh. She provides professional mortgage and finance advice to clients across the following:

• Edinburgh
• Glasgow
• Newcastle
• London
• Manchester
• Birmingham
• and throughout the UK.

Fluent in both English and Bulgarian, Tatyana supports a diverse range of clients, helping them navigate complex lending requirements with clarity and confidence. Her approach focuses on understanding each client’s circumstances before recommending suitable mortgage or finance solutions aligned with their goals.

Mortgage Broker in Edinburgh Providing Personalised Advice

Finding the right mortgage can be challenging, particularly as lender criteria continue to evolve. Tatyana works closely with homebuyers, homeowners, landlords, property investors, and business owners who require clear and practical guidance throughout the borrowing process.

Whether you are purchasing your first property, expanding a property portfolio, refinancing existing borrowing, or seeking specialist finance, every recommendation is tailored to your individual financial circumstances and objectives.

Advice is always based on affordability, suitability, and current lending criteria.

Residential Mortgage Advice

Tatyana assists a wide range of residential clients, including first-time buyers, movers, professionals, the self-employed, and those looking to remortgage.

The mortgage process begins with a detailed review of income, expenditure, credit commitments, and future plans. This allows suitable mortgage options to be identified from lenders whose criteria best match the client’s circumstances.

Support is provided throughout the journey, from initial discussions through to mortgage completion.

Buy-to-Let, HMO and Limited Company Mortgage Expertise

Property investors often face additional lending considerations, particularly when purchasing through a limited company structure or financing Houses in Multiple Occupation (HMOs).

Tatyana works with landlords at every stage of their investment journey, from first-time investors purchasing a single rental property to experienced portfolio landlords expanding across multiple locations.

Advice is tailored around investment objectives, rental income requirements, portfolio structure, and lender expectations.

Tax treatment depends on individual circumstances and may change in the future.

Commercial Finance and Bridging Loans

Commercial property transactions frequently require specialist lending knowledge and access to lenders with specific underwriting requirements.

Tatyana assists clients seeking finance for commercial premises, mixed-use properties, investment opportunities, and time-sensitive acquisitions.

Where short-term funding is required, bridging finance solutions may be considered to help facilitate purchases, renovations, chain breaks, or refinancing strategies.

All applications remain subject to lender assessment and approval.

Second Charge Mortgages

For homeowners who wish to raise capital without replacing their existing mortgage, a second-charge mortgage may be a suitable option.

Tatyana helps clients understand the advantages, considerations, costs, and lender requirements associated with secured borrowing, ensuring informed decisions are made before proceeding.

Your home may be repossessed if you do not keep up repayments on your mortgage or any debt secured against it.

Protection and General Insurance

Securing a mortgage is only one aspect of financial planning. Tatyana also provides guidance on protection and insurance solutions designed to help safeguard individuals, families, properties, and businesses.

Areas of advice include life insurance, critical illness cover, income protection, buildings insurance, contents insurance, and other general insurance products.

Recommendations are based on personal circumstances, needs, and budget.

Supporting a Wide Range of Clients

Over the years, Tatyana has helped clients with many different circumstances, including:

• First-time buyers entering the property market
• Self-employed applicants with complex income structures
• Property investors building buy-to-let portfolios
• Limited company directors purchasing investment properties
• Landlords financing HMOs
• Homeowners seeking remortgage solutions
• Clients requiring specialist commercial finance
• Borrowers exploring second charge lending options

Every case is assessed individually, with recommendations tailored to the client’s specific objectives and circumstances.

Mortgage Advice Across Edinburgh and the UK

Although based in Edinburgh, Tatyana works with clients throughout Scotland and across the UK. Advice can be delivered remotely through telephone and video consultations, allowing clients to access professional mortgage guidance wherever they are located.

Her commitment to clear communication, personalised service, and thorough research has helped many clients secure suitable lending solutions for both residential and investment property purchases.

Speak with FCA-Approved Tatyana Stefanova

If you are looking for a mortgage broker in Edinburgh, or require support with residential mortgages, buy-to-let finance, HMOs, limited company borrowing, commercial finance, bridging loans, second-charge mortgages, protection, or general insurance, Tatyana Stefanova can help you explore the options available to you based on your circumstances.

Every recommendation is built around affordability, suitability, and your long-term financial goals.