Business Details
23 Years
experience
Trusted Mortgage and Protection Advisers in Dundee
Established in 2003, we have built a reputation for delivering specialist mortgage and protection advice directly in clients' homes, adapting our approach to include virtual consultations via Zoom and Teams. Our team of experienced advisors leverages decades of combined expertise to navigate the complexities of the mortgage market, ensuring tailored solutions for each client. As an Appointed Representative of PRIMIS Mortgage Network and St. James's Place Wealth Management, we maintain rigorous regulatory compliance while fostering trusted partnerships to extend our service offerings.Our commitment to transparency includes clear fee structures, with charges typically 500 on completion, and access to a dedicated support team with over 65 years of combined experience. We prioritise client comfort and confidence, guiding individuals through the mortgage process with personalised support and industry-leading knowledge.
Services
Mortgage Advice
Lifetime Mortgages
Life Assurance
Protection Plans
General Insurance
Mortgage Calculations
Details
- Year established: 2003
Highlights and features
- We have over 20 years of experience in mortgage advisory services since 2003.
- Our advisors provide home visits and virtual consultations for client convenience.
- We offer access to the entire mortgage market through regulated partnerships.
- Our team includes award-winning advisors like Karolina Wrobel, Young Achiever Advisor of the Year.
- We maintain transparent fee structures with clear explanations of costs involved.
Associations and certifications
- Financial Conduct Authority
Services
Mortgage Advice
We provide comprehensive mortgage advice tailored to individual circumstances. Our FCA-regulated advisors help clients navigate residential and lifetime mortgage options, ensuring suitable solutions. With access to the entire market, we compare products to find the best rates and terms for each client's unique situation.
Lifetime Mortgages
Specialist lifetime mortgage solutions help clients release equity from their homes. We explain how interest compounds over time and impacts estates, providing clear examples to demonstrate long-term effects. Our advisors ensure clients understand implications for benefits and inheritance before proceeding with these complex financial products.
Life Assurance
We offer life assurance policies to protect families and mortgage obligations. Our advisors explain different policy types, including term and whole-of-life cover, helping clients choose appropriate protection levels. We ensure clients understand how these policies interact with their mortgage arrangements and overall financial plans.
Protection Plans
Our protection plans cover critical illness, income protection, and family support needs. Advisors assess clients' personal circumstances to recommend suitable coverage levels. We explain policy terms clearly, ensuring clients understand what protections apply in different life scenarios.
General Insurance
We provide general insurance solutions including property and vehicle coverage. Our advisors compare policies to find competitive rates while ensuring adequate protection. We help clients understand policy inclusions, exclusions, and claims processes for their chosen insurance products.
People
James Rice
Managing Director
With mortgage advisory experience since 1997, James co-founded the company after leading business development at a major Scottish law firm. Recognised as Director of the Year finalist by the Institute of Directors in 2004.
Michelle Liddell
Finance & Compliance Manager
Michelle brings 30 years' financial services experience, including 15 years in various roles at The Mortgage Finance Store. She ensures compliance with evolving regulatory requirements as our dedicated compliance manager.
Karolina Wrobel
Mortgage and Protection Advisor
Former data scientist Karolina transitioned to financial services in 2014. She won Young Achiever Advisor of the Year at Scottish Mortgage Awards in 2024 and 2025 for her client-focused approach.
Lauren McGeady
Mortgage and Protection Advisor
Successful entrepreneur turned mortgage advisor, Lauren built a dog grooming business before retraining. She joined our team in 2023, leveraging her business experience to help clients achieve property goals.
Samantha Carswell
Mortgage and Protection Advisor
Joining in 2004, Samantha has 20 years' institutional knowledge. After gaining advisor qualifications in 2020, she returned to the company in 2023 as a highly experienced mortgage advisor with deep business understanding.
Questions
What mortgage services do you offer?
We provide residential mortgages, lifetime mortgages, and protection plans. Our advisors also connect clients with third-party specialists for wealth management and legal services.
How much do your mortgage services cost?
Our standard fee is £500 on completion, rising to 1.5% of the loan amount for complex cases. We clearly explain all costs during initial consultations.
Can I get mortgage advice remotely?
Yes, we offer virtual consultations via Zoom or Teams alongside traditional home visits for maximum flexibility.
Are you regulated by financial authorities?
We operate as Appointed Representatives of PRIMIS Mortgage Network, authorised and regulated by the Financial Conduct Authority (FCA).
How do I start the mortgage process?
Contact us via phone or email to schedule an initial consultation. Our advisors will assess your needs and guide you through documentation requirements.
Reviews (7)
Jon Gourlay
Dec 05, 2021
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We found The Mortgage Finance Store to be incredibly helpful but importantly very professional in the way we were dealt with. Nothing was ever too much trouble for them and their advice has been spot on so far. Put simply Id have absolutely no issue whatsoever in recommending them to anyone. Huge thanks to the whole team at The Mortgage Finance Store.
Michelle McLean
Dec 05, 2021
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I used Allan Johnston within this company and would highly recommend. He helped me understand and navigate my first mortgage application process easily and hassle-free. Communication was quick and informative, with any questions fully explained. He was also very accommodating to my busy work schedule and flexible to meeting locations which was greatly appreciated. I recommend this company and Allan if you want a professional and stress-free service.
Fiona Rice
Nov 20, 2021
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We have used Mortgage Finance store for a number of years. The service we have received each time is impeccable and James and his team are always happy to answer any questions we have. I would highly recommend The Mortgage Finance Store to anyone looking for help or advice with their mortgage or buying a property.
Gillian Bush
Nov 15, 2021
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James has been helping us for over 10 years now - from our very first consultation about buy to let mortgages in general to now managing all our mortgages. Everything is seamless, nothing is too much trouble and the advice given is always spot on. Have recommended to a number of people and I know they have used MFS and also recommended.
Kirsty Kennedy
Nov 02, 2021
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Have had help from James for 4 years now on my mortgage, and he and the team have always been brilliant. First James helped me through buying my ex hubby out of my house, so was both efficient and also probably part counsellor which was very reassuring. The team has helped me redo my fixed rate twice since and they are quick, responsive, approachable and accurate. Would recommend - and actually have recommended to others.
Kirstie Macpherson
Oct 20, 2021
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Positive:Quality
Been using James for a number of years & also recommended The Mortgage Finance Store to many. Tailored service bespoke to my needs every time. James always delivers what he says & I love how its such a smooth, easy to use service that makes a complicated area so easy & smooth! Thanks all!
Been using James for a number of years & also recommended The Mortgage Finance Store to many. Tailored service bespoke to my needs every time. James always delivers what he says & I love how its such a smooth, easy to use service that makes a complicated area so easy & smooth! Thanks all!
Eilish McBeth
Sep 28, 2021
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Myself and my partner recently used the Mortgage Finance Store to help purchase our first home. From start to finish the process was easy and stress free. Allan was amazing and was always on hand to answer many questions that we had. Allan always kept us up to date with relevant information and the progress of our applications. We would definitely recommend Allan and the company to friends and family. Today we moved into our first home and couldnt of done it without them.
