Our advisors will get to know your goals before suggesting solutions and can arrange credit secured against most asset types.



Our unsecured lending options can provide fast access to funds to meet your short-term requirements. We can provide a range of solutions including credit cards, charge cards, overdrafts and loans.


Your home or property may be repossessed if you do not keep up repayments on your mortgage.
Over 18’s only. Credit is subject to status and approval.



When it comes to property lending, we know that your situation is unique. That’s why we have a range of mortgages, loans and overdrafts to help Adam clients’ purchase, re-mortgage and improve a family home or buy-to-let portfolio.

To provide you with a better ability to plan for any property purchases we have developed a mortgage calculator that enables you to understand an indicative capacity to borrow, an understanding of the cost to borrow as well as the ability to understand the impact of an Offset Select mortgage.

Explore our Mortgage Calculator here

All our property lending is subject to eligibility criteria and status.



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If you are buying a home, our mortgages are designed to help you act quickly. After getting to know you and your financial position, our advisors will recommend the mortgage that is best suited to your needs.



Our buy-to-let mortgages help you stay ahead in the real estate market. They can be used to purchase a single property or several. We consider all of your personal circumstances, and not just the rental income, when assessing affordability. 




Our Mortgage Advice Service will ensure that we recommend to you a mortgage that meets your needs.

  • Tracker Rate

    Our flexible tracker mortgages allow you to repay at a time that suits you. We have a selection of terms and repayment options and you are free to make lump sum repayments at any time with no early repayment charge. 

  • Fixed Rate

    We offer fixed-rate mortgages for two, five or 10 years. The pre-agreed monthly repayments give you certainty, regardless of interest rate movements.

  • Mortgage Reserve Account

    The Mortgage Reserve Account offers a flexible borrowing facility. Linked to an Adam current account and with a borrowing limit agreed at the outset, it offers on-demand borrowing, whether it’s to buy a second home or to fund an investment opportunity.

  • Offset Select

    The Adam Offset Select mortgage caters for both residential or buy-to-let purposes, allowing your deposits, in Sterling, Euro or US Dollar, to work hard to offset the mortgage balance you are charged interest on. These deposits don’t have to be in your name as the borrower but can also be provided by an Adam & Company-banked family member or a third party. Both the main borrower and third parties can access their funds at any time, and they will work to offset your mortgage the moment they are deposited in the account. Additionally you are free to pay off your mortgage, either in part or full, without any early repayment charges.



Adam advisers will work closely with you to understand your lending objectives and offer bespoke solutions to realise your goals.

Our expertise and deep market knowledge has prepared us to deal with individual and unusual circumstances where flexibility of approach are essential. From providing lending for equity partnerships, utilising our expertise with alternative securities or working across jurisdictions to bridge a pressing lending need, we work with you to find a solution that works. 

We know that you can often be based internationally, dealing in multiple currencies, and as such we know you need a bank that can offer you flexible lending to meet your needs. So we make it possible for you to borrow in a range of currencies - CHF, EUR, JPY and USD meaning that your borrowing can match your lifestyle and requirements. This means if your income is in Euros or you have assets in Swiss Francs then we can provide a lending solution tailored to your individual circumstances. Please be aware though with this type of lending there is a risk that due to currency movement you may pay back a higher amount in the currency you chose to borrow in.

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0131 225 8484  to find out more
about our services.

Calls may be recorded



Statement of Lender and Borrower Responsibilities

Adam & Company adheres to The Standards of Lending Practice which are monitored and enforced by the LSB:

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