Business Details
Your Trusted Mortgage Adviser in the Scottish Highlands
As a qualified Mortgage Adviser, I provide professional mortgage advice tailored to individual needs. My expertise lies in protecting mortgages against life events such as ill health, death, and critical illness, ensuring clients' financial security. Based in Muir of Ord, Ross-shire, I serve clients across the UK through flexible video call and telephone consultations. My services include mortgage arrangement, protection insurance, and guidance through the house-buying process, with a focus on first-time buyers, buy-to-let investors, and remortgaging. I work closely with solicitors and offer products from a range of insurers for life insurance, critical illness cover, and income protection.My fee structure is transparent, with a standard mortgage application fee of 550, while repeat remortgages and rate changes incur no additional charges. I am authorised and regulated by the Financial Conduct Authority, ensuring compliance with industry standards. My approach prioritises affordability assessments and detailed budget planning to meet lenders' criteria. I also facilitate access to commercial mortgages, business protection, and inheritance tax planning through specialist referrals. Client satisfaction is central to my practice, with a commitment to clear communication and tailored financial solutions.
Services
Mortgage Advice
Mortgage Protection
Remortgages
Buy-to-Let Mortgages
Insurance Products
First-Time Buyer Schemes
Life Insurance
Critical Illness Cover
Income Protection
Commercial Mortgages
Highlights and features
- We offer transparent fee structures with no charges for repeat remortgages
- Our FCA regulation ensures adherence to strict industry standards
- We provide flexible video and telephone consultation options
- We specialise in mortgage protection against critical illness and death
- We conduct detailed affordability assessments to meet lender criteria
Associations and certifications
- Financial Conduct Authority
Services
Mortgage Advice
We provide tailored mortgage advice covering first-time buyer schemes, buy-to-let investments, and remortgaging. Our process includes credit report analysis, affordability assessments, and market comparisons to secure suitable deals. Clients receive detailed mortgage illustrations and ongoing support throughout the application process.
Mortgage Protection
Our protection services cover life insurance, critical illness cover, and income protection to safeguard mortgage payments. We offer products from multiple insurers to ensure comprehensive coverage against health issues, unemployment, or accidental injury, providing financial security for homeowners.
Insurance Products
We arrange buildings and contents insurance, private medical insurance, and accident/sickness cover. Our panel of insurers provides competitive options tailored to individual needs, ensuring clients maintain mortgage compliance while protecting their assets and income.
First-Time Buyer Schemes
Specialist guidance for first-time buyers includes LIFT government shared equity schemes and shared ownership mortgages. We explain eligibility criteria, assist with affordability calculations, and liaise with solicitors to streamline the purchase process for new homeowners.
Commercial Mortgages
Through specialist referrals, we facilitate commercial mortgage arrangements for business premises. Our partners provide tailored financing solutions for property purchases, expansions, or refinancing, with access to multiple lender options for competitive terms.
People
Helen MacKenzie
Mortgage Adviser
Helen MacKenzie is a qualified Mortgage Adviser with CeMAP certification, specialising in mortgage protection and insurance. Based in Muir of Ord, she serves UK clients with tailored financial solutions and FCA-regulated advice.
Questions
What mortgage fees do you charge?
We charge a £550 fee for initial mortgage applications, with no fees for repeat remortgages or rate changes.
Do you offer remote consultations?
Yes, we provide video calls and telephone advice for clients across the UK.
What protection products are available?
We offer life insurance, critical illness cover, income protection, and accident/sickness insurance from multiple insurers.
Are your services FCA regulated?
Yes, we are authorised and regulated by the Financial Conduct Authority (register number 949102).
How do you assess mortgage affordability?
We conduct detailed budget analyses and credit report checks to ensure mortgage payments align with your financial circumstances.