Mortgage rates in Edinburgh are generally based on the same UK-wide lender pricing as elsewhere, rather than the city itself. The rate you’re offered can depend on your loan-to-value, income, credit history, mortgage term, property type and whether you choose a fixed or variable deal. Compare the total cost, including arrangement fees, early repayment charges and the APRC, rather than focusing only on the headline rate. You can check current deals directly or speak to a mortgage broker authorised by the FCA, who can explain which options may fit your circumstances.