Here at Every Mortgage Matters, we’re passionate about providing support to people throughout Scotland to enable them to secure a mortgage so they can purchase their first or next home. For a mortgage adviser that’s dedicated and focussed on providing honest, clear and comprehensive support, get in touch with Every Mortgage Matters.
About Us
Every Mortgage Matters has three qualified and experienced mortgage and protection advisers, Jen Dymock and Paula Flannigan. Every Mortgage Matters aims to deliver outstanding support and help you relieve the stress of being accepted for a mortgage. Find out more about us and how we can help you with a mortgage that will meet your needs.
Scottish Mortgage Advice
Whether you’re a first time buyer, moving home, remortgaging or need a buy to let mortgage, we can support you with all your mortgage & protection requirements. It’s a friendly and informative process and we enjoy getting to know everyone we meet. To take the first step, please get in touch for a friendly conversation and we will be delighted to listen and help.
How Can We Help With Your Mortgage?
There are thousands of mortgages to choose from and hundreds of lenders, so having a mortgage adviser working on your behalf can save you time, money and hassle. We search the whole of the market to find you the best mortgage based on your circumstances.
Your home may be repossessed if you do not keep up repayments on your mortgage.
As with all insurance policies, conditions and exclusions will apply.
As with all insurance policies, conditions and exclusions will apply.
First Time Buyer
Planning to secure your first mortgage? Let’s get started!
Moving home
Advice & support when you’re moving home to secure your mortgage.
Remortgage
Are you looking for your next great mortgage deal? Find out how we can support you in your search.
Buy to let
Arrange a buy to let mortgage for your rental property.
Protection & Insurance
Home, life and general insurance services available.
What can you expect?
As whole of market mortgage advisers, we search for the right mortgage that will meet both your personal and financial circumstances. We like to get to know the people we help so we can understand what’s important to them and work on your behalf to find a deal that’s just right for you.
We’re fully qualified and regulated to provide mortgage and protection advice. You can also expect an experienced mortgage adviser that will work to support you to find both the best mortgage rate for your circumstances but also assist you throughout the process whilst you find the perfect home.
Would you like to talk?
A great first conversation is just an enquiry away. If you have a question about mortgages or protection, we’re here to listen and help. If this is your first time applying for a mortgage then you can expect a friendly, informative and free initial conversation to discuss your requirements. We will answer all your questions and ensuring you’re completely comfortable with the process.
Take the first step and call us on 01698 756286 or complete the enquiry form below and we will call you back.
Mortgage Calculators
There’s three mortgage calculators available which you can try for free. The calculators enable you to assess how much of a mortgage you could obtain based on your income and also what your repayments could be each month.
These calculators can give you an indicative idea of what’s available and the costs, however for tailored advice it’s best to get in touch.
How much can you borrow?
Whether you’re a single applicant or you want to apply for a joint mortgage with somebody else, the calculator can provide an idea of how much you could borrow.
What Will Your Repayments Be?
For us, it’s important to help you achieve your mortgage objectives, but we will also help ensure it’s affordable. The calculator can give you an idea of the monthly repayments on your mortgage.
Questions About Mortgages / Protection?
Over the years we’ve learned that there’s complexities involved in many financial decisions. There’s uncertainties and answers that you may not have, but rest assured, we would like to help.
Whether you’re unsure about your current mortgage, how to become a first time buyer, the Government support schemes or if you’re trying to help parents with their mortgage as they near retirement, we can help you.
If you have a question about mortgages or protection (such as home or life insurance), then please get in touch. We would be happy to guide you on your existing policies or answer any questions to help you better understand your options.
joanne hine
20:28 21 Apr 26
My husband and I made the decision to purchase our first home at the start of the year. Paula was highly recommended to us by a family member and I’m so glad we listened! She has made the process so easy and stress free, took the time to explain everything and the response time/communication is exceptional!
Highly recommended from us. ☺️
Highly recommended from us. ☺️
Erika Taylor
17:18 20 Apr 26
We returned to Jen after she supported us through our first-time buyer journey, and didn’t hesitate to choose her again when it came to purchasing our forever home. Her insight and guidance were invaluable throughout.
Jen supported us every step of the way during both the selling and buying process, making what can often be a stressful experience feel smooth and manageable.
Thanks again for your support!
Jen supported us every step of the way during both the selling and buying process, making what can often be a stressful experience feel smooth and manageable.
Thanks again for your support!
Ellie McFarlane
17:53 18 Apr 26
We had a fantastic experience with Lisa as our mortgage advisor while buying our first home. From start to finish, she was incredibly supportive, knowledgeable, and always available to answer our questions.
As first time buyers, the process felt quite overwhelming at times, but Lisa made everything clear and straightforward. She took the time to explain all our options in detail and ensured we fully understood each step before moving forward.
Her professionalism and dedication really stood out, and we always felt like we were in safe hands. Thanks to Lisa, what could have been a stressful experience turned into an exciting and smooth journey.
We couldn’t recommend her highly enough to anyone looking for a reliable and approachable mortgage advisor.
As first time buyers, the process felt quite overwhelming at times, but Lisa made everything clear and straightforward. She took the time to explain all our options in detail and ensured we fully understood each step before moving forward.
Her professionalism and dedication really stood out, and we always felt like we were in safe hands. Thanks to Lisa, what could have been a stressful experience turned into an exciting and smooth journey.
We couldn’t recommend her highly enough to anyone looking for a reliable and approachable mortgage advisor.
Sophie Meade
19:51 01 Apr 26
Thank you to Every Mortgage Matters!
My husband and I were nervous first time buyers wondering if we ever would get a mortgage and Jen and the team at every mortgage streamline the process, having words of encouragement every step of the way. Jen made every stressful moment float away with her knowledge, humour and kind words.
Would 100% recommended every mortgage matters and would do it all over again with Jen if I could. Such a pleasant experience to work with the team and a huge thank you to Jen, couldn’t have gotten through the process without you.
My husband and I were nervous first time buyers wondering if we ever would get a mortgage and Jen and the team at every mortgage streamline the process, having words of encouragement every step of the way. Jen made every stressful moment float away with her knowledge, humour and kind words.
Would 100% recommended every mortgage matters and would do it all over again with Jen if I could. Such a pleasant experience to work with the team and a huge thank you to Jen, couldn’t have gotten through the process without you.
Kyle Markie
19:48 01 Apr 26
Paula was my mortgage advisor
She went above and beyond to help
Shes lovely and friendly nothing is a hassle
I cant thank Paula enough
Thanks to her were now in our new home❤️
She went above and beyond to help
Shes lovely and friendly nothing is a hassle
I cant thank Paula enough
Thanks to her were now in our new home❤️
Khana
09:13 27 Feb 26
I cannot thank the team enough at Every Mortgage Matters! Currently waiting on the keys to my new home and it's all thanks to you for making our dreams come true. Paula has been amazing at making us feel like we knew what we were doing as first time buyers. The advice and support has been outstanding and I would 100% recommend to anyone.
Mel Swindle
09:00 17 Jan 26
Paula from Every mortgage matters was with my partner and I from start to finish helping us to get our mortgage. As two first time buyers the process was completely overwhelming and we had a lot to learn. With Paula’s expertise and reassurance we quickly gained knowledge and were able to get excited. No question was ever stupid or a hassle to Paula. Her positive, friendly and 100% approachable personality really shone through from the moment we met spoke to Paula. As a young couple we had concerns about having a mortgage and leaving our family homes and she gave us absolute confidence that we were totally capable. Without any doubt I would recommend Paula and EMM to anyone looking to purchase a property. It can be daunting and scary no matter the amount of times you’ve done it and you need someone who knows the industry inside and out and that person is Paula.
Nicola Mooney
09:16 12 Dec 25
I recently worked with Paula at Every Mortgage Matters and was thoroughly impressed with the exceptional service provided. From our initial consultation to the completion of my mortgage, the entire process was seamless and stress-free.
Paula was excellent at explaining the complex mortgage process clearly and kept me informed at every stage. Paula secured a great mortgage deal quickly, dealt with all my insurance policies and was on hand to answer any questions or queries I had throughout the whole process, even when she was on holiday! I highly recommend Paula and Every Mortgage Matters for their reliable and effective mortgage service. Thank you, Paula, to you and your team for the outstanding service you provided you are all amazing!
Paula was excellent at explaining the complex mortgage process clearly and kept me informed at every stage. Paula secured a great mortgage deal quickly, dealt with all my insurance policies and was on hand to answer any questions or queries I had throughout the whole process, even when she was on holiday! I highly recommend Paula and Every Mortgage Matters for their reliable and effective mortgage service. Thank you, Paula, to you and your team for the outstanding service you provided you are all amazing!
Conor Greenan
14:49 24 Nov 25
I recently worked with Paula at Every Mortgage Matters and was thoroughly impressed with the service provided. From initial consultation to completion, the process was seamless. Paula’s communication was consistently clear, timely, and proactive, and she anticipated and addressed potential issues with confidence and expertise.
Her guidance on the application process, lender selection, and appropriate insurance options was excellent. Most importantly, my mortgage was submitted promptly and the offer was secured early in the transaction, significantly reducing stress and uncertainty throughout my purchase.
I would highly recommend Paula and Every Mortgage Matters to anyone seeking a reliable and professional mortgage service.
Her guidance on the application process, lender selection, and appropriate insurance options was excellent. Most importantly, my mortgage was submitted promptly and the offer was secured early in the transaction, significantly reducing stress and uncertainty throughout my purchase.
I would highly recommend Paula and Every Mortgage Matters to anyone seeking a reliable and professional mortgage service.
Caitlin McCormick
13:54 24 Oct 25
I cannot recommend Jen and the team at Every Mortgage Matters highly enough! As first-time buyers, the whole process initially felt really daunting as there’s so much to learn and so many decisions to make. From the very beginning (over a year ago!), Jen was patient, understanding, and endlessly supportive.
We never once felt rushed or pressured. Jen always took the time to explain everything clearly, no matter how many questions we had. She made what could have been an overwhelming experience feel simple and completely manageable.
When we finally had an offer accepted and our mortgage approved, Jen took care of absolutely everything. She connected us with a brilliant solicitor and sorted out all of our insurances.
Jen is honestly the loveliest person — professional, knowledgeable, and genuinely caring. We’re so grateful to have found her and will be lifelong clients. Thank you, Jen, for turning what we thought would be a stressful journey into such a positive and exciting experience!
We never once felt rushed or pressured. Jen always took the time to explain everything clearly, no matter how many questions we had. She made what could have been an overwhelming experience feel simple and completely manageable.
When we finally had an offer accepted and our mortgage approved, Jen took care of absolutely everything. She connected us with a brilliant solicitor and sorted out all of our insurances.
Jen is honestly the loveliest person — professional, knowledgeable, and genuinely caring. We’re so grateful to have found her and will be lifelong clients. Thank you, Jen, for turning what we thought would be a stressful journey into such a positive and exciting experience!
Claire Callaghan
15:24 23 Jun 25
We had Paula helping us get our mortgage set up for buying our first home and she went above and beyond for us, explaining everything to us making sure we understood what we were signing up to and always answering any questions we had! Her replies were always super fast and nothing was a bother for her! Paula came recommended to us through family and friends and we will definitely be recommending her too! Thanks again for all your help Paula. 🏠
Response from the owner 08:07 24 Jun 25
Hi Claire,Thank you for your kind review, Paula will be delighted to read your feedback. We appreciate you recommending us to other people too; most of the people we help are introduced via word of mouth recommendations.All the very best!Every Mortgage Matters
Ahmadyar Mahmood
10:00 22 Jun 25
Paula was recommended to me through a mutual contact. As a first time buyer, she was amazing throughout the entire process, kept me well informed and gave good explanations to all the questions I had. I would recommend Paula to anyone as a first time buyer as she made the whole process a lot less stressful!
Response from the owner 08:10 24 Jun 25
Hi Ahmadyar,We're incredibly grateful for your 5 star review! Paula loves helping people with their mortgage needs, especially first time buyers so thank you for trusting us! We would be delighted to help you again.Kind regards,Every Mortgage Matters
Carol
21:00 14 Jun 25
An absolute pleasure to deal with Lisa, who worked tirelessly to find me the perfect mortgage.
Would highly recommend her and Every Mortgage Matters Hamilton.
A very sincere thank you Lusa
Would highly recommend her and Every Mortgage Matters Hamilton.
A very sincere thank you Lusa
Response from the owner 08:24 16 Jun 25
Hi Carol,We're thrilled to hear that Lisa was such a pleasure to work with and that she was able to help you find the perfect mortgage. She’s truly dedicated to her clients, and it means a lot to see her hard work recognised.We really appreciate your recommendation and your kind words. On behalf of Lisa and the entire team at Every Mortgage Matters – thank you, and we wish you all the best for the future!Warm regards,Every Mortgage Matters
Andrew Griffiths
11:57 14 Jun 25
'Paula @ Every Mortgage Matters was recommended to me by a friend that swore that she was the best person to deal with and was someone I would want on board when looking to buy my first home.
After I reached out she introduced herself via teams (which is very handy nowadays) and I immediately felt comfortable and knew I would be in safe hands.
Paula was very forthcoming, responsive and personable throughout the whole process and was always quick to reply whenever I had a question or wasn't quite sure about something (which will undoubtably happen when its your first time!).
Overall i'm so pleased that I had a trustworthy and reliable broker that went that extra mile to ensure I was getting the best deal.
Would absolutely recommend to everyone, particularly first time buyers.
After I reached out she introduced herself via teams (which is very handy nowadays) and I immediately felt comfortable and knew I would be in safe hands.
Paula was very forthcoming, responsive and personable throughout the whole process and was always quick to reply whenever I had a question or wasn't quite sure about something (which will undoubtably happen when its your first time!).
Overall i'm so pleased that I had a trustworthy and reliable broker that went that extra mile to ensure I was getting the best deal.
Would absolutely recommend to everyone, particularly first time buyers.
Response from the owner 08:23 16 Jun 25
Hi Andrew,Thank you so much for your kind words and for taking the time to share your experience!It means a great deal to hear that you felt supported and comfortable throughout your home buying journey—especially as a first-time buyer. We understand how overwhelming the process can feel at times, so it’s wonderful to know that Paula was able to make things clearer and more manageable for you.Wishing you all the best in your new home, and thank you again for the recommendation—it really does mean the world to us!Kind regards,Every Mortgage Matters
Stace Mortimer
14:52 13 Jun 25
I'm absolutely blown away by the service we received from Jen at Every Mortgage Matters. From start to finish, she was knowledgeable, responsive and genuinely invested in finding the perfect Mortgage for us. The whole process was seamless and we felt like we were in good hands every step of the way. Jen's expertise and guidance was second to none and we couldn't be happier. But it didn't stop there, Jen handled all of our life, critical illness and income protection insurance. If your looking for a mortgage adviser who truly cares about your financial wellbeing, look no further than Jen at Every Mortgage Matters. 5 stars isn't enough. Thank you Jen.
Response from the owner 08:20 16 Jun 25
Hi Stace,Thank you so much for your amazing review - it means a lot to read your positive feedback! Jen will be thrilled to hear you're happy with her support. Please let us know if we can help you with anything in the future.Thank you!Every Mortgage Matters
Nic
09:09 13 Jun 25
I’ve always had a fantastic service from Jen at Every Mortgage Matters.
I’ve worked with Jen a number of times over the years and most recently when I moved house.
Moving house can be stressful however Jen takes one less stress away by sorting finances. When the mortgage rates dropped before I moved, Jen sorted it all with the mortgage provider then contacted me to advise the reduction in monthly payments. I didn’t have to do anything.
She is quick to respond to any query and is always friendly and personable.
Well done Jen, will be in touch for future finance advice.
I’ve worked with Jen a number of times over the years and most recently when I moved house.
Moving house can be stressful however Jen takes one less stress away by sorting finances. When the mortgage rates dropped before I moved, Jen sorted it all with the mortgage provider then contacted me to advise the reduction in monthly payments. I didn’t have to do anything.
She is quick to respond to any query and is always friendly and personable.
Well done Jen, will be in touch for future finance advice.
Response from the owner 09:36 13 Jun 25
Hi Nicole,Thank you for taking the time to leave your feedback - Jen will be delighted to read your incredible review! We're always here for you, whenever you need us.All the very best,Every Mortgage Matters
Ashlyn Logan
16:20 05 Jun 25
If I could give more stars I would! We worked with Jen for our mortgage recently and she was an absolute star from start to finish. Jen made the whole process smooth and kept us updated the whole way through. She was professional, knowledgeable and understanding about personal circumstances. Jen is not only a credit to Every Mortgage Matters but to the entire industry - we would return to Every Mortgage Matters in future without a doubt and look forward to working with Jen in future! Thank you for everything!
Response from the owner 14:32 11 Jun 25
Hi Ashlyn,Thank you for your incredible feedback! Your review made us smile and it's great to hear you've been delighted with Jen's support.Thank you for taking the time to leave your wonderful feedback!Kind regards,Every Mortgage Matters
Chris M
22:14 22 May 25
Jen helped me through every step of getting my first mortgage and was super friendly, supportive, and professional. Really happy I was recommended to get in touch with her. Would 100% recommend to a friend. Thank you so much, Jen!
Response from the owner 08:01 23 May 25
Hi Chris,Thanks so much for your kind words and for recommending our service to other people! Jen will be delighted to read your positive feedback! We look forward to helping you again in the future 😊Kind regards,Every Mortgage Matters
Marina Cherrie
19:36 12 May 25
Paula done our mortgage for us again, so professional and done everything for us. We didn't feel any stress throughout the whole process. Would definitely recommend Every Mortgage Matters, and would use them again and again. Best wishes Stephen & Marina Topping x
Response from the owner 08:42 13 May 25
Hi Stephen & Marina,Thank you for trusting Paula and Every Mortgage Matters with your mortgage needs, it was our pleasure to help you. Paula will be delighted to read your positive feedback, so thanks for taking the time to leave your review!We're grateful you've recommended us to others too - it's really appreciated! We look forward to helping you again in the future.All the best,Every Mortgage Matters
Louise Dunbar
09:20 28 Apr 25
Lisa was absolutely incredible!
She was a constant source of support throughout one of life's most stressful processes. She made sure we got the best possible deal and also assisted with insurance policies once our mortgage came through.
She was very knowledgeable and checked in often for updates. It was a completely seamless process and I would highly recommend to anyone who is looking into a mortgage.
Thanks so much, Lisa!
She was a constant source of support throughout one of life's most stressful processes. She made sure we got the best possible deal and also assisted with insurance policies once our mortgage came through.
She was very knowledgeable and checked in often for updates. It was a completely seamless process and I would highly recommend to anyone who is looking into a mortgage.
Thanks so much, Lisa!
Response from the owner 13:11 28 Apr 25
Hi Louise,Thank you for your fantastic review, I'll be sure to share it with our team of advisers, especially Lisa; she'll be delighted to read your comments. It was our pleasure to assist you and if there's ever anything we can help with, please don't hesitate to get in touch.Kind regards,Every Mortgage Matters