F1 MORTGAGES · HERE TO HELP

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F1 MortgagesContact Robert
MORTGAGES & LIFE INSURANCE · WINCHBURGH

Your next move
starts here.

HI, I’M ROBERT MARSHALL

Mortgage and protection advice for first-time buyers, self-employed people and homeowners ready for their next move. Based in Winchburgh, I’ll help you understand your options and take the next step with confidence.

Talk to Robert (opens in a new tab)

Your initial call is free. Mortgage advice may carry a fee of up to 1% of the amount borrowed; typically 0.3%.

Free initial conversation Advice that starts with you
Robert Marshall, your mortgage and protection adviser at F1 Mortgages
YOUR LOCAL MORTGAGE & PROTECTION ADVISER

Robert Marshall

F1 MORTGAGES · WINCHBURGH

WHAT BRINGS YOU HERE?

My first home ↗I’m self-employed ↗Review my mortgage ↗Review my cover ↗
RECOMMENDED BY CLIENTS

“He regularly kept me updated … and answered my questions.”

Lisa D. · Read her review ↓

Mortgage market watch

Checking news sources…
BANK OF ENGLAND BANK RATECheck official rate ↗NEXT SCHEDULED RATE DECISIONView official schedule ↗
LATEST UPDATES

Loading mortgage-related headlines… FCA news ↗

Sources, refresh times & what this means for your mortgage

Checks sources when viewed, with up to 15 minutes of caching. Bank Rate and decision dates come from the Bank of England. Headlines are filtered for mortgage, housing and monetary-policy topics from the Bank of England, FCA and Mortgage Strategy’s public RSS feed. Mortgage Strategy is an independent trade publication, not a regulator; this is not a complete list of lender product or rate changes. Scheduled decision dates may change. Read Mortgage Strategy news ↗

Bank Rate is not a mortgage offer rate. Fixed rates, tracker rates and standard variable rates respond differently. Your own payments depend on your mortgage terms. Headlines may report proposals rather than changes already in force: read the linked source for details.

PERSONAL ADVICE. WIDER CHOICE.

Local to you.
Backed by Mortgage Advice Bureau.

One conversation with Robert. Access to a wider range of mortgage options through the MAB network, with advice shaped around your circumstances.

90+mortgage lenders
12,000+mortgages across the network

Network figures published by MAB, checked 16 September 2026. Availability and eligibility vary. View MAB’s figures ↗

FAMILIAR NAMES. PERSONAL ADVICE.

Explore your mortgage options.

  • Halifax
  • Nationwide
  • NatWest
  • Barclays
  • Santander
  • HSBC
  • Accord Mortgages
  • Leeds Building Society

Examples of UK mortgage lenders, not a complete panel or an endorsement of F1 Mortgages. Robert will confirm which lenders and products are available for your circumstances.

01 / HOW WE HELP

Mortgages built
around you.

Your plans come first.
We explain the options, the costs and what happens next.

Your plans connect.
Your advice should too.

A mortgage changes your monthly commitments. Protection helps you plan for the unexpected. We look at the two together, with your priorities and budget at the centre.

01
FIRST-TIME BUYERS

A good place to start if

you’re ready for your first home.

Your first home. A clear place to start.

From first steps to front doors. Buying your first home comes with enough questions. We help you understand your budget, prepare for an application and make sense of the choices — so you know what your next step looks like.

What we’ll work through

  • Your deposit and buying budget
  • Documents and application guidance
  • Clear explanations at every step

Useful for our first conversation: Your savings, income and the kind of home you have in mind.

02
SELF-EMPLOYED MORTGAGES

A good place to start if

your income doesn’t fit a standard payslip.

You run your business. Let’s work through your mortgage.

Sole trader, freelancer or company director? We take time to understand your income, how your business works and the evidence lenders may need. Clear guidance helps you prepare an application that reflects your circumstances.

What we’ll work through

  • Accounts and income evidence explained
  • Support for sole traders and directors
  • Lender criteria considered around you

Useful for our first conversation: How you work, your trading history and the income evidence available.

03
REMORTGAGES

A good place to start if

your current deal needs a fresh look.

Your next mortgage deserves a fresh look.

Is your current deal coming to an end? We can compare a new lender with options from your existing lender, looking at rates, fees and any early repayment charges before you decide.

What we’ll work through

  • Review before your deal ends
  • Compare the overall cost, not just the rate
  • Understand switching and staying put

Useful for our first conversation: Your current balance, monthly payment and deal end date.

04
LIFE INSURANCE REVIEWS

A good place to start if

life has changed since you arranged cover.

Protect the life you’re building.

A home is part of a bigger picture. We start with who depends on you, your commitments and the cover you already have. Then we explain what a policy could help with, what it would cost and what it would not cover.

What we’ll work through

  • Your family, mortgage and budget
  • A review of cover you already have
  • Benefits and exclusions explained

Useful for our first conversation: Your existing policies, commitments and who depends on your income.

NOT SURE WHERE TO START?

Bring your questions.
We’ll find the starting point.

You don’t need to know the mortgage terminology. Tell Robert what you want to do.

Talk through your plansYour first conversation is free and without obligation.
YOUR NEXT CHAPTER / MOVING HOME

A new front door.
A mortgage that fits.

More space, a different location or a fresh start. Let’s look at your current deal alongside your next home, so you can plan the move with a clearer view of the costs.

01 / YOUR CURRENT DEAL

Could your rate move with you?

Porting may let you transfer an existing mortgage deal to a new property. It still requires lender approval and affordability checks. Extra borrowing may be on a different rate, and early repayment charges can still apply.

02 / THE WHOLE BUDGET

Look beyond the asking price.

Consider your available equity, outstanding mortgage, savings and moving costs. Allow for legal work, surveys, property tax and any mortgage fees before deciding what feels comfortable.

03 / YOUR NEXT STEPS

A clear route to your move.

Start with your plans and current mortgage details. We can review suitable options, explain an agreement in principle and support the application. An agreement in principle is not a guaranteed offer.

What happens next Read MoneyHelper’s guide to mortgage options ↗

Use Mortgage help & tools to explore repayments, borrowing examples and Scotland’s LBTT. Your first conversation is free; any mortgage advice fee will be explained before you proceed.

02 / THE F1 APPROACH

Putting your
home plans first.

“Getting it right first time”
is how we approach the details.

F1 MORTGAGES WINCHBURGH

Winchburgh, Broxburn
and the surrounding area.

Your home is more than the number on a mortgage application. It’s the place you put down roots. I’m Robert Marshall, your adviser at F1 Mortgages, based in Winchburgh and working under Mortgage Advice Bureau, and I start by understanding what home means to you.

Whether you’re buying for the first time, running your own business or thinking about the people who depend on you, I’ll help you understand the choices. We’ll talk through your circumstances, what you can comfortably commit to and the details that deserve a closer look.

Getting it right first time means looking beyond a headline rate: understanding the costs, the commitments and how your mortgage and protection fit together.

Hear from clients
OUR PLACE / WINCHBURGH

More than a postcode.
A place to call home.

Canal paths, familiar landmarks and a growing community. F1 Mortgages is based here, ready to help you take your next step.

The canal and leafy towpath in Winchburgh
Room to breathe
People enjoying kayaking and paddleboarding at a Winchburgh canal community event
Life by the canal
A contemporary public building and open paved space in Winchburgh
A growing community
Winchburgh war memorial with remembrance wreaths
Remembering our history
03 / CLIENT STORIES

Real people.
Their own words.

★★★★★ GOOGLE REVIEW
“Highly recommend! Robert was incredibly helpful and thorough throughout the whole process. He helped get my mortgage sorted quickly for a fast house sale and also arranged my life cover, making everything straightforward and stress-free. He explained everything clearly, kept me updated and was always happy to help with any questions. Really grateful for all his help and would definitely recommend him to anyone looking for a reliable mortgage advisor.”
KG
Kim G.Mortgage and life coverView Google reviews ↗
★★★★★ GOOGLE REVIEW
“Robert was very knowledgeable and kept in touch through the whole process and also provided advice on our mortgage and gave us different options to think about as it comes to an end.”
VM
Vicki M.Protection review · excerptView Google reviews ↗
★★★★★ GOOGLE REVIEW
“Very happy with the service provided. Robert offered knowledgeable advice and several available options when switching my mortgage to another rate. Once I had decided which deal was best for me, he regularly kept me updated with the progress of the switch and answered my questions. This made the experience a lot easier and stress free.”
LD
Lisa D.Mortgage reviewView Google reviews ↗
FACEBOOK RECOMMENDATION
“Rob helped me arrange me remortgage. Easy to deal with and explained everything well. Would recommend.”
VM
Victoria M.RemortgageView Facebook reviews ↗
FACEBOOK RECOMMENDATION
“Valuable advice for various protection options too, giving me a clear, "no nonsense" overview.”
EW
Ellen W.Protection advice · excerptView Facebook reviews ↗

Reviews reproduced from client feedback on Google and Facebook. Names abbreviated for privacy; shortened reviews are marked as excerpts. These describe individual experiences, not a guarantee of the same outcome.

YOUR HOME / YOUR FINANCIAL BUFFER

A clearer picture.
If income changes.

Before discussing cover, start with what you already have: savings, employer benefits and any existing policies. This simple example helps you see how savings could support essential bills during a temporary drop in income.

  • What would your employer pay, and for how long?
  • Which household costs would still need paying?
  • What cover do you already have, and when could it pay?

No score. No product recommendation. Your figures stay in this page and are not submitted or saved.

Explore your savings buffer

Assumes constant spending and continuing income. Excludes inflation, savings interest, unexpected costs and changes to benefits or sick pay. This is not a complete resilience assessment or advice about how much insurance you need.

MoneyHelper: emergency savings ↗Talk through your options with Robert ↗
04 / HELPFUL RESOURCES

Clear advice.
Confident moves.

Useful starting points from MoneyHelper. Take a look in your own time, then bring your questions to our conversation.

MONEYHELPER

Check your credit file

Find out how to access your credit reports and check the information they contain.

Read the credit report guide
MONEYHELPER

Explore your buying budget

Use an affordability calculator to explore a starting point for your budget. Results are estimates, not a mortgage offer.

Try the affordability calculator
MONEYHELPER

Buying a home in Scotland

Understand the stages of a Scottish property purchase and the costs to plan for along the way.

Read the Scottish buying guide
MONEYHELPER

Get your documents ready

See the types of information a mortgage lender may ask for, including evidence of self-employed income.

Explore the application guide
MONEYHELPER

Understand life insurance

Learn what life insurance can do, how cover varies and what to consider for the people who depend on you.

Read the life insurance guide

Links open in a new tab. These independent resources provide general information and do not replace advice about your individual circumstances.

05 / GOOD QUESTIONS

A little clarity.
A lot of confidence.

Something else on your mind?
Ask Robert

01Can I get a mortgage if I’m self-employed?

Being self-employed does not automatically rule you out. Lenders assess income differently and may ask for accounts, tax calculations and bank statements. We can help you understand which evidence is relevant to your circumstances. Approval depends on the lender’s criteria and affordability checks.

02How much deposit do I need for my first home?

The deposit needed depends on the property, the mortgage and your circumstances. We will talk through your savings, buying costs and monthly budget before exploring suitable options. A mortgage agreement in principle is not a guarantee of a mortgage offer.

03When should I review my mortgage?

It is sensible to start a conversation before your current deal ends, or when your circumstances change. We can review the rate, fees, remaining term and any early repayment charges to help you understand the overall cost of your options.

04Do I need life insurance with a mortgage?

Life insurance is not a legal requirement for a mortgage. It may help provide financial support for people who depend on you if you die during the policy term. The right amount and type of cover depend on your needs, existing protection and budget. Policy terms and exclusions apply.

05Is the first call free?

Yes. Your initial call is free and without obligation. We will discuss what you need and explain the next steps. There may be a mortgage advice fee of up to 1% of the amount borrowed; a typical fee is 0.3%. Your actual fee will be explained before you decide to proceed.

06 / LET’S TALK

Let’s talk about
your next move.

Tell me what you’re planning—or what you’re unsure about. We’ll discuss your next steps and whether I can help. Your initial conversation is free and without obligation.

  1. 01
    Tell us where you are.

    We start with what you want to achieve, what matters to you and any questions you want answered.

  2. 02
    Understand your options.

    We look at your mortgage, monthly commitments and existing protection, then explain the choices and their limits.

  3. 03
    Decide your next step.

    You decide whether to go further after we explain the process, costs and any advice fees. The first call does not commit you to an application.

07376 122 178r.marshall@mab.org.ukMessage Robert on WhatsAppWinchburgh

A conversation is a good place to start.

Get in touch directly

Email me a little about what you need help with and how you’d prefer me to contact you. Or use the phone and WhatsApp links alongside.

Email Robert

We’ll agree a suitable time to talk. There’s no need to send financial or medical documents in your first message.

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