ESPC is an FCA-regulated mortgage broker based in City of Edinburgh, EH2 2PA, specialising in Buy-to-Let, First Time Buyers, Residential. Rated 4.9/5 from 626 reviews.
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Meet our experienced team of mortgage professionals
Yasir Shere
23 Feb 2026I have been renting a flat with ESPC since October 2023 and am completely satisfied with their performance. The operations have been smooth, with quick follow-ups, regular updates, and swift resolution of any issues. Highly recommended. The current property manager, Alex Skirving, is very good and detail-oriented. I am happy with his performance and follow-ups. Overall great experience.
Bryony James
16 Feb 2026David Lauder has been our mortgage advisor over the last ten years. He has provided an excellent service being efficient and thorough, making sure you understand your options and very quick to respond to any queries. We would recommend his services.
declan dufficy
1 Feb 2026David was absolutely brilliant with us when we went to him for help buying our first home. He always found an answer and gave us great advice on all aspects of the process. It was very reassuring knowing David was available for any concerns we had and we couldn't recommend him highly enough.
Sam Court
15 Dec 2025We appreciated how succinct David Lauder was in detailing the process of a mortgage application, which made it more manageable and less intimidating. He also helped us to navigate the complications that arose in our personal case, working quickly and tirelessly to a very demanding deadline. Of all the professionals we worked with in the process of buying a house, David was by far the most helpful, as well as the least expensive.
Ewan Greig
7 Dec 2025David Lauder was my mortgage advisor who provided a fantastic service throughout the process. He offered professional advice and handled everything swiftly, making me feel more confident as a first time buyer. Overall, I would highly recommend David and ESPC!
No memberships listed.
Regulatory Status
Direct Authorisation
Practical guides and explainers from our blog — relevant to this mortgage type.
The proposed UK holiday tax could cost £500 million and may increase costs for landlords and first-time buyers in the short-term rental market.
UK buy-to-let repossessions have risen by 10% in Q4 2025, with landlords facing higher mortgage repayments due to rising interest rates. Landlords with a £250,000 mortgage face an annual repayment increase of £1,975.
Rents outside London have flatlined for the first time since 2017, potentially impacting landlords. With increased borrowing costs and stagnant rents, landlords could face squeezed profits.
Buy-to-let lending increased by 18.2% in Q4 2025, driven by landlords refinancing existing loans. This led to increased rental yields and lower interest rates, benefiting landlords.
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