Business Details
24 Years
experience
Your Trusted Partner for Financial Planning Solutions
Heritable Financial Planning is an independent financial and mortgage advisory firm established in 2002, offering bespoke solutions tailored to individual client needs. With over four decades of combined experience, our family-run team prioritises transparency, client-centric service, and long-term relationship-building. We specialise in whole-of-market advice, leveraging extensive industry knowledge and advanced financial planning tools to help clients achieve wealth retention and future financial security.Our approach combines personal service with access to cutting-edge market deals, ensuring clients receive optimal solutions for mortgages, retirement planning, inheritance tax strategies, and complex financial scenarios.
Services
Mortgage Advice
Financial Planning
Estate Planning
Investment Management
Retirement Planning
Details
- Year established: 2002
Highlights and features
- We offer bespoke and transparent financial advice tailored to individual needs
- Our team has over 40 years of combined experience in financial services
- We operate as a whole-of-market company with access to all lenders
- Our family-run business ensures personal, dedicated client service
- We prioritise long-term relationships through continuous financial reassessment
What people say
Bespoke advice
Professional and efficient
Transparent process
Long-term support
Tailored solutions
Services
Mortgage Advice
We provide tailored mortgage solutions for residential purchases, remortgaging, and buy-to-let investments. Our whole-of-market approach ensures access to competitive rates for self-employed individuals, high-net-worth clients, and complex cases. With expertise in property financing and lender negotiations, we simplify the mortgage process from initial consultation to completion.
Financial Planning
Our comprehensive financial planning covers retirement strategies, inheritance tax mitigation, and investment optimisation. Using advanced cash-flow modelling, we create bespoke plans aligned with personal goals. We specialise in long-term wealth retention through pensions, trusts, and tax-efficient investment structures tailored to individual circumstances.
People
Colin McCallum
Founder
Colin established Heritable Financial Planning in 2002 after 20+ years in banking and consulting. His expertise in wealth management and estate planning stems from leadership roles at Clydesdale Bank and Coopers & Lybrand. He focuses on complex financial solutions for high-net-worth clients.
Cameron McCallum
Financial Adviser
Cameron joined Heritable Financial Planning in 2018 with a property sector background. After completing his financial planning diploma, he specialises in mortgage solutions and investment strategies. His experience in land development and client service enhances his approach to financial advisory work.
Catherine McCallum
Client Services
Catherine joined Heritable Financial Planning in 2020, bringing property sector and business management experience. She focuses on client relationships and digital marketing, leveraging her real estate management qualifications to enhance service delivery and client communication processes.
Questions
What financial services do you offer?
We provide mortgage advice, retirement planning, inheritance tax strategies, investment management, and estate planning tailored to individual client needs.
How does your mortgage advisory process work?
Our process includes a fact-find consultation, market research, tailored recommendations, application assistance, and ongoing support through valuation and completion stages.
Are you regulated by financial authorities?
As an independent financial adviser, we comply with UK financial regulations and maintain professional standards through our industry memberships and practices.
Do you work with overseas property buyers?
Yes, we specialise in buy-to-let mortgages for overseas investors and provide tailored financing solutions for international property transactions.
How are your fees structured?
We use transparent fee structures based on hourly rates or percentage of investment, with options to offset fees against lender procuration charges where applicable.
