Business Details
Expert Mortgage & Financial Planning Services in Paisley
St Clair Financial Planning was established to provide expert financial advice tailored to individual client needs. Our approach begins with active listening to understand clients' current financial situations, aspirations, and concerns. We specialise in creating comprehensive financial plans that address retirement goals, mortgage requirements, investment strategies, and protection needs. With over two decades of combined experience, our team of qualified advisers delivers personalised solutions while maintaining transparency and ethical standards. We prioritise ongoing client education and adapt our strategies to evolving market conditions and regulatory changes. Our commitment to excellence is demonstrated through our use of advanced client portals and continuous support throughout the financial planning journey.We maintain strict compliance with FCA regulations through our partnership with Quilter Financial Services. Client testimonials consistently highlight our responsiveness, expertise in complex mortgage scenarios, and ability to simplify financial decision-making. Our long-term relationships with clients underscore our dedication to achieving sustainable financial outcomes. We operate with integrity, ensuring all recommendations align with clients' best interests while maintaining clear communication throughout the advisory process.
Services
Mortgage Advice
Financial Planning
Retirement Planning
Wealth Management
Protection Services
Business Protection
Investment Strategies
Remortgaging
First Time Buyer
Equity Release
Highlights and features
- We offer 24/7 client portal access for real-time financial management
- Our team has over 20 years combined experience in mortgage advisory
- We provide tailored financial solutions for complex income structures
- We maintain FCA-regulated compliance through Quilter partnerships
- Our advisers specialise in auction property mortgage solutions
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Excellent market rates
Very responsive
Proactive communication
Expert help
First class service
Services
Mortgage Advice
Our mortgage advisory service specialises in residential property financing solutions. We offer expert guidance on standard variable rate, fixed rate, tracker, and offset mortgages. With access to multiple lenders, we help clients navigate first-time buyer schemes, remortgaging opportunities, and complex property transactions. Our FCA-regulated advisers provide comprehensive affordability assessments and tailored recommendations that consider both immediate needs and long-term financial implications.
Financial Planning
We develop comprehensive financial plans addressing retirement goals, investment strategies, and protection needs. Our process begins with detailed consultations to understand clients' current financial positions and future aspirations. We specialise in creating adaptable strategies that respond to changing life circumstances while maintaining compliance with regulatory requirements. Our planning incorporates tax-efficient investment vehicles and considers both personal and business financial objectives.
Protection Services
Our protection services ensure clients' financial security through tailored insurance solutions. We offer life assurance, critical illness cover, income protection, and private medical insurance. Our approach considers both personal circumstances and business requirements, ensuring adequate coverage against unforeseen events. We provide ongoing policy reviews to maintain appropriate protection levels as clients' needs evolve over time.
Wealth Management
We offer sophisticated wealth management solutions combining investment strategies with estate planning. Our services include portfolio management, trust arrangements, and inheritance tax planning. We specialise in creating diversified investment portfolios aligned with clients' risk profiles and financial objectives. Our approach integrates ongoing market analysis with regular portfolio reviews to optimise long-term wealth preservation.
Business Protection
Our business protection services address key person insurance, share protection, and employer liability coverage. We help businesses establish financial safeguards against unexpected events affecting ownership or operations. Our solutions include relevant life cover and professional indemnity insurance tailored to specific industry needs. We work closely with business owners to ensure continuity and protect against financial disruptions.
People
Kevin McKay
Financial Adviser
With over two decades in financial services, Kevin specialises in pensions, investments, mortgages, and protection. His extensive experience ensures comprehensive advice across multiple financial disciplines.
Robert Moffat
Specialist Mortgage Adviser
Robert brings over ten years of residential mortgage advisory experience. He excels in complex mortgage scenarios and has successfully assisted numerous clients with challenging property transactions.
Nicole Abercrombie
Office Manager
Nicole has nearly a decade of financial services experience. Currently pursuing professional qualifications, she provides essential support to advisers while developing expertise in mortgage and financial advice delivery.
Rachel Thomson
Financial Services Administrator
Rachel has gained valuable experience since 2019 working across various advisory capacities. Her administrative expertise ensures smooth implementation of financial solutions for clients.
Questions
What mortgage types do you specialise in?
We specialise in standard variable rate, fixed rate, tracker, offset, and auction property mortgages. Our advisers also handle complex cases including self-build and buy-to-let arrangements.
How do you ensure mortgage affordability?
We conduct comprehensive affordability assessments considering potential interest rate changes. Our advice focuses on sustainable borrowing that aligns with your income and financial commitments.
Can you help with difficult mortgage cases?
Yes, we specialise in challenging scenarios including auction purchases, complex income structures, and remortgaging with existing lenders. Our broker relationships help secure solutions others cannot.
What financial planning services do you offer?
We provide retirement planning, investment strategies, protection services, and wealth management. Our approach combines technical expertise with personalised solutions for long-term financial security.
How do you maintain regulatory compliance?
As appointed representatives of Quilter Financial Services, we maintain full FCA compliance. Our processes ensure all advice meets strict regulatory standards and client protection requirements.
What technology do you use for client service?
We utilise a secure client portal for document sharing and communication. Our systems integrate with major investment platforms for real-time portfolio monitoring and management.
Reviews (4)
Okwu Godwin
Jan 07, 2022
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This confidence and trust has been what I have craved for in an expert trader for years now and I am so happy to finally get all this from you Mrs George Stephanie for you have proven all what I have heard about you is the true, by investing $500 with Mrs Stephanie I made $6050, it not the profit alone I am glad about but the instant withdrawal into my bank account, I am forever grateful and will tell the world about you, get in touch with her via: Email: Georgestephanie831@gmail.com WhatsApp: +16269898464
Okwu Godwin
Jan 07, 2022
Report
This confidence and trust has been what I have craved for in an expert trader for years now and I am so happy to finally get all this from you Mrs George Stephanie for you have proven all what I have heard about you is the true, by investing $500 with Mrs Stephanie I made $6050, it not the profit alone I am glad about but the instant withdrawal into my bank account, I am forever grateful and will tell the world about you, get in touch with her via: Email: Georgestephanie831@gmail.com WhatsApp: +16269898464
Anne Mcguire
Dec 13, 2021
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I referred my friend Rose to Kevin McKay at St Clair Financial Planning when she & her husband were struggling to work out how to access various pensions for their retirement. The feedback I received from both her and Rose husband Alastair was as follows:
“We didn’t know where to start to access our pensions and we were getting pretty stressed… about the daunting situation that was in front of us. After I spoke with Anne, she recommended we talk with Kevin McKay.
Kevin did a wonderful job, took all the stress away from us knowing our business was in great hands. He continues
“We didn’t know where to start to access our pensions and we were getting pretty stressed… about the daunting situation that was in front of us. After I spoke with Anne, she recommended we talk with Kevin McKay.
Kevin did a wonderful job, took all the stress away from us knowing our business was in great hands. He continues
Anne Mcguire
Dec 13, 2021
Report
I referred my friend Rose to Kevin McKay at St Clair Financial Planning when she & her husband were struggling to work out how to access various pensions for their retirement. The feedback I received from both her and Rose husband Alastair was as follows:
“We didn’t know where to start to access our pensions and we were getting pretty stressed… about the daunting situation that was in front of us. After I spoke with Anne, she recommended we talk with Kevin McKay.
Kevin did a wonderful job, took all the stress away from us knowing our business was in great hands. He continues
“We didn’t know where to start to access our pensions and we were getting pretty stressed… about the daunting situation that was in front of us. After I spoke with Anne, she recommended we talk with Kevin McKay.
Kevin did a wonderful job, took all the stress away from us knowing our business was in great hands. He continues
