Mortgages and Finance

Mortgages & Loans



We have been helping people realise their dreams now for 7 years, we may be able to help you.
We are based on the beautiful west coast of Ayrshire, famous for it's many golf courses and of course being the birthplace of Robert Burns.
Why not tell your friends and family about us. We may be able to help with their needs.

Gray Financial Services

Do you need a mortgage or secured loan?
Credit history need not be a problem
We may be able to help

Mortgages and re-mortgages available for:-

Residential and commercial premises ie  homes, shops hotels farms etc.
Buy to Let
Secured Loans
Development Finance
International Mortgages
Residential Development

Up to 75% LTV
Fixed and variable rates
Free valuations
No arrangement fees
Rates from 4.1%

Want to buy a property abroad' we can help
Rates from 0.89% over base
70% LTV
Interest only or repayment
Residential or investment properties
Locations include France, Spain, Portugal, USA, Canada, Hong Kong and many others
Non-nationals acceptable from all over the world to buy in the UK
Minimum £100,000, Maximum dictated by LTV
Mortgages funded offshore so independent tax advice may be needed

Secured loans are a great way of raising finance particularly during this period of low interest rates and can be handy for debt consolidation and credit repair.
If you wish to repay early you can with as little as 1 months interest as an early repayment charge
Up to 75%
Loans from £5K
Residential, buy to let and commercial properties accepted

Available for building new properties from self build to full site development
Self build finance up to 75% LTV released in stage payments at rates from under 5%
Up to 70% LTV (more with additional security)
Rates from 1.25% over base
Short term finance from 1.2%
Loans from £25K


Simply call or text 07908527375 leave your name address and phone number and we will get back to you.
Or email

If you are looking for a villa for a holiday, try this link you won't be disappointed:-

If you woul like a holday on the beautiful Ayrshire Coast try this link:-
Handy for the ferry to the Island of Arran and exploring the Burns Country and Ayrshires many golf courses

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