With many years experience in Financial Services we can provide a flexible, comprehensive and professional service.
We are a small family run firm of mortgage advisers. Our focus is very much on:
Confidential ‘one to one’ advice
Ensuring any financial product meets your needs and the needs of your family
Our mortgage advice team has many years of experience in the mortgage and protection industry. We can provide consultations throughout Dumfries, Glasgow, Ayr and the South of Scotland as a whole.
Appointments are conducted in the comfort of your home or place of work at a time that’s convenient to you. Initial consultations are free and without any obligation.*
Whatever your goals we are happy to accommodate!
Your home may be repossessed if you do not keep up repayments on your mortgage.
We work on your behalf!
Our services include Mortgages, Remortgages, Buy to Let and Protection. We work on your behalf to arrange the right mortgage or protection based on information we gather from you.
*There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. This will be £295.00 for new customers. Existing mortgage customers will pay a discounted fee of £195.00. Any fee payable will become due on application.
I have worked in Financial Services since September 1983 starting out as a Home Service insurance agent and working my way through the grades until I was finally appointed Branch Manager in Dumfries in 1993. Following that I had various roles in the industry but eventually set up this business in October 2002 and have enjoyed helping many people with their mortgage and insurance needs in that time.
Away from work I am married to Margaret and we have 2 married sons who have delighted us with 5 grandchildren with whom we like to spend some time. I also volunteered in local football in Dumfries for over 20 years and have been known to attempt to hit a golf ball. I have a varied musical taste but particularly like to listen to live local music. Margaret and I also like to travel having visited many countries in Europe as well as the United States and Africa.
I’ve been in the financial services industry since 2012 and have a vast amount of experience to offer. From inception I began working with property developers and investors, later tailoring my support to regulated residential mortgages. I have both the experience and qualifications to support clients with their existing and future financial requirements.
In my spare time I proudly wear my “Super Woman” cape to take on the daily highs and ‘wows’ of parenting a hyper-active 6 year old boy and an ever changing 18 year old girl! To ensure I am revitalised for the working week ahead I enjoy a morning of yoga or a day hill walking.
I joined RML Financial Management having spent the previous seven years building and managing my own property rental portfolio, alongside working as operations manager for a London based short term lettings business. The hands on experience of financing residential, individual and Ltd Co Buy to Let properties led me to completing my CeMap qualification and joining Bobby and the team in 2021.
Born in Dublin, with spells as an ex-pat in South Africa and Bahrain, I met my Scottish husband whilst studying Psychology at Stirling University on a RnA international Golf Scholarship. I enjoy participating in endurance challenges including the Dublin marathon, 3 day run along Hadrian’s Wall and the 100 mile Coast to Coast adventure race. All good preparation for chasing after my 2 year old daughter and 5 year old son who now account for most of my spare time.
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