Business Details
26 Years
experience
Your Trusted Financial Advisers in Glasgow
Established in 2000, Simple Mortgages provides independent financial advice focused on pensions, investments, and retirement planning. Our team of experienced advisers combines technical expertise with a client-centred approach to deliver tailored solutions. We prioritise transparency, regulatory compliance, and long-term client relationships. With over two decades of service in Glasgow, we maintain authorisation from the Financial Conduct Authority (FCA) to ensure professional standards. Our multidisciplinary team includes specialists in pensions, mortgage advice, and investment management.We emphasize clear communication and ethical practices to help clients achieve financial security. Regular client reviews and ongoing support form the cornerstone of our service delivery. Our office infrastructure supports both in-person and remote advisory services. We actively invest in staff development to maintain cutting-edge industry knowledge. Client testimonials consistently highlight our approachability and expertise in complex financial matters.
Services
Pensions Advice
Investment Planning
Mortgage Solutions
Retirement Planning
Financial Protection
Details
- Year established: 2000
Highlights and features
- Established in 2000 with proven industry experience
- FCA-authorised advisors ensuring regulatory compliance
- Personalised approach to financial planning
- Multi-generational team with diverse expertise
- Transparent fee structure with no hidden costs
Associations and certifications
- Financial Conduct Authority
What people say
Expert pension advice
Transparent communication
Long-term support
Professional team
Tailored solutions
Services
Pensions Advice
Comprehensive pension reviews and retirement strategies tailored to individual circumstances. We specialise in consolidating multiple pensions and optimising tax-efficient withdrawals. Our FCA-regulated advisors help clients maximise retirement income through strategic planning.
Investment Planning
Personalised investment strategies across various risk profiles. We offer portfolio management services focusing on long-term growth and capital preservation. Our approach combines market analysis with individual financial goals to create diversified investment solutions.
Mortgage Solutions
Mortgage advice covering residential, buy-to-let, and specialist property financing. We access multiple lenders to find competitive rates while considering clients' overall financial circumstances. Our service includes remortgaging and equity release options.
Financial Protection
Tailored protection solutions including life insurance, critical illness cover, and income protection. We assess individual needs to recommend appropriate coverage levels while ensuring affordability and comprehensive protection.
Financial Planning
Holistic financial planning covering cashflow management, tax efficiency, and intergenerational wealth transfer. Our approach integrates various financial aspects to create comprehensive, long-term strategies aligned with clients' life goals.
People
David J Bone
Managing Director
Dip PFS qualified with over 20 years' experience in financial services. Founded Simple Mortgages in 2000 to provide independent advice in Scotland. Specialises in pension planning and retirement strategies.
Laura Bone
Office Manager
Integral to business operations since 2000. Manages day-to-day administration and client communications. Provides continuity in client relationships through consistent service delivery.
Fraser Bone
IFA
Qualified IFA with BEng and DipPFS credentials. Joined in 2020 after Edinburgh university studies. Specialises in client reviews and investment portfolio management for younger clients.
Charlie MacKay
Advisor Support
Recent graduate from Glasgow Caledonian University joining in 2024. Provides technical support to senior advisors while developing expertise in financial planning and client engagement.
Questions
What financial services do you specialise in?
We specialise in pensions, investment planning, mortgage advice, retirement strategies, and financial protection products.
How are your financial advisors qualified?
Our team holds FCA-approved qualifications including DipPFS, with ongoing professional development maintained.
Can I get independent financial advice remotely?
Yes, we offer virtual consultations via secure video conferencing alongside traditional in-office meetings.
How do you charge for your services?
We operate a transparent fee structure with initial consultations at no obligation, followed by agreed service fees.
Are you regulated by financial authorities?
Yes, we are fully authorised and regulated by the Financial Conduct Authority (FCA No 442075).
