Business Details
23 Years
experience
Your Trusted Mortgage Advisers in Dundee
Established in 2003, The Mortgage Finance Store has built a reputation for delivering specialist mortgage and protection advice directly to clients' homes, prioritising personal understanding of individual needs. Our team of experienced advisors utilises their extensive market knowledge to navigate the complexities of the mortgage landscape, offering tailored solutions that align with clients' unique circumstances. We have evolved to incorporate modern communication tools like Zoom and Teams, ensuring accessibility while maintaining our commitment to face-to-face service. Our partnerships with trusted third-party providers, including JMB Wealth Solutions Limited and St.James's Place Wealth Management, allow us to extend our expertise into pension and wealth management. As an Appointed Representative of PRIMIS Mortgage Network, we adhere to rigorous regulatory standards set by the Financial Conduct Authority, ensuring transparency and client protection. Our fee structure is discussed openly at the earliest opportunity, with a standard mortgage advice fee of 500 (capped at 1.5% of the loan amount). With advisors based across Scotland and a dedicated support team, we provide comprehensive guidance through every stage of the mortgage process, combining technical expertise with a client-centric approach.
Services
Mortgages
Lifetime Mortgages
Life Assurance
General Insurance
Protection Plans
Details
- Year established: 2003
Highlights and features
- We have over 20 years' experience in mortgage advisory services since our founding in 2003.
- Our advisors provide home visits to better understand clients' specific requirements.
- We offer access to the whole mortgage market through our PRIMIS Mortgage Network affiliation.
- Our team includes award-winning advisors like Karolina Wrobel, Young Achiever Advisor of the Year 2024.
- We maintain trusted partnerships for wealth management and legal services outside our direct remit.
Associations and certifications
- Financial Conduct Authority (FCA)
Services
Mortgages
We provide comprehensive mortgage advice tailored to individual circumstances. Our advisors access the entire market to find suitable solutions, whether for first-time buyers or complex cases. With over 20 years' experience, we guide clients through every step of the process, from initial consultation to completion, ensuring clarity and confidence in their property financing decisions.
Lifetime Mortgages
Specialist advice on lifetime mortgages that reduce estate value while providing financial flexibility. We explain how these products affect means-tested benefits and tax status, including the compounding interest effect over time. Our guidance helps clients understand the long-term implications and determine if this option aligns with their retirement planning goals.
Life Assurance
We offer life assurance solutions to protect loved ones and financial commitments. Our advisors explain different policy types and help determine appropriate coverage levels. This includes mortgage protection plans that ensure housing security for families, with options tailored to individual health profiles and financial circumstances.
General Insurance
Comprehensive general insurance advice covering property and personal protection needs. We help clients understand coverage options for buildings, contents, and personal possessions. Our approach considers both standard requirements and unique circumstances, ensuring adequate protection against unforeseen events that could impact financial stability.
Protection Plans
We provide tailored protection strategies including critical illness cover and income protection. Our advisors assess clients' specific needs to create safety nets against unexpected life events. These plans ensure financial stability during challenging times, with options that complement mortgage arrangements and overall financial planning objectives.
People
James Rice
Managing Director
With mortgage advisory experience since 1997, James co-founded The Mortgage Finance Store after leading business development at a major Scottish law firm. Recognised as Director of the Year finalist in 2004 by the Institute of Directors, he brings strategic leadership to our mortgage advisory services.
Michelle Liddell
Finance & Compliance Manager
Michelle has over 30 years' financial services experience, including 15 years in various roles at The Mortgage Finance Store before her 2015 promotion to Finance & Compliance Manager. Her extensive knowledge ensures regulatory compliance and financial integrity across our operations.
Jim Leary
Mortgage and Protection Advisor
A valued team member since 2005, Jim brings his Independent Financial Adviser background to mortgage and protection advice. He assumed a Non-Executive Director role in 2008, combining frontline advisory work with strategic oversight of our service delivery standards.
Richard Noble
Mortgage and Protection Advisor
As one of our founding team members, Richard has provided mortgage expertise since our 2003 establishment. He took on a Non-Executive Director role in 2008 while maintaining frontline advisory responsibilities, ensuring continuity in our client-focused approach.
Louise Laing
Mortgage and Protection Advisor
With 30 years' finance experience across Scottish high street lenders, Louise joined us in 2015. Her extensive knowledge helps clients navigate property financing challenges. Outside work, she pursues mountaineering adventures, bringing the same determination to mortgage problem-solving.
Questions
What mortgage services do you offer?
We provide residential mortgages, lifetime mortgages, buy-to-let financing, and specialist protection plans. Our advisors access the entire market to find suitable solutions for first-time buyers, remortgagers, and complex cases.
How are your mortgage fees structured?
Our standard mortgage advice fee is £500 payable on completion, capped at 1.5% of the loan amount. Fees are discussed and agreed upfront, with options to add to your mortgage loan if preferred.
Can I get mortgage advice from home?
Yes, we specialise in home visits for mortgage advice. We also offer virtual consultations via Zoom or Teams, combining convenience with our traditional face-to-face approach to understand your specific requirements.
Do you offer protection products with mortgages?
Yes, we provide life assurance, critical illness cover, and income protection plans tailored to mortgage requirements. These products help protect your home and financial commitments against unexpected life events.
What areas do you cover?
Our advisors operate across Scotland, with our head office in Dundee. We serve clients nationwide through home visits, virtual consultations, and our experienced support team managing applications remotely.
Are you regulated by financial authorities?
Yes, we are an Appointed Representative of PRIMIS Mortgage Network, authorised and regulated by the Financial Conduct Authority. This ensures our advice meets strict regulatory standards for client protection.