At Calluna Financial, based in Alloa, we offer independent financial advice to clients across Central Scotland.

New beginnings are exciting and whether you’re renting your first flat, buying your first home, starting a family, or preparing for retirement, major financial decisions can feel overwhelming. We’re here to take the stress off your shoulders, helping you navigate every opportunity with confidence and ease.

We know that finance can seem complex, but we pride ourselves on demystifying the process. Our approach is simple: we take the time to explain all your options and ensure you fully understand every step before moving forward.

Mortgages Tailored to Your Needs

Whether you’re a first-time buyer, looking to remortgage, thinking about moving, or considering a buy-to-let investment, we can help you find the perfect mortgage from thousands of options.

One of the most important steps we always recommend is speaking to a mortgage adviser as early as possible in your house-buying journey – before you even start viewing properties. By helping you get your finances in order upfront, we put you in a stronger position for when the time comes to apply. Simple actions like avoiding new loans and keeping your credit card balance low in the months before applying can make a big difference to your borrowing potential.

From there, we’ll guide you through the different types of mortgages available, whether it’s a variable rate, fixed rate, or a specialist product. It’s important to choose the mortgage that’s right for your individual circumstances, and that’s where we can help – a conversation with us is always the best place to start.

As one of our clients shared:

“Steph was absolutely brilliant throughout the whole process. From looking into our existing mortgage, arranging our new mortgage, life insurance and home insurance.”

There’s No Such Thing as a Silly Question

We always say, no question is a stupid one! We’re here to provide jargon-free advice that empowers you to make informed decisions about your financial future.

Get in touch with us today by calling 0141 6400 900 or visiting callunafinancial.co.uk to schedule a chat.

We’re here to help.