Business Details
23 Years
experience
Trusted Mortgage Advisers in Dundee
Established in 2003, The Mortgage Finance Store has been providing specialist mortgage and protection advice from our head office in Dundee Technology Park. Our team of experienced advisors delivers personalized guidance in clients' homes or via virtual meetings, ensuring a deep understanding of individual requirements. With access to the whole mortgage market and a commitment to staying ahead of industry complexities, we combine decades of collective experience with a client-centric approach. Our advisors are supported by an experienced office-based team, ensuring seamless application processes and tailored solutions. Recognised for excellence, including industry awards and partnerships with leading financial institutions, we prioritise transparency, regulatory compliance, and long-term client relationships.As an FCA-authorised firm, we maintain rigorous standards while offering flexible service models, including referrals to trusted partners for wealth management and legal services. Our fee structure is discussed upfront, with options to integrate costs into mortgage loans where appropriate. Through continuous professional development and a focus on innovation, we remain dedicated to delivering expert advice that adapts to evolving client needs.
Services
Mortgages
Lifetime Mortgages
Life Assurance
Protection
General Insurance
Legal Services
Business Finance
Details
- Year established: 2003
Highlights and features
- We have over 20 years of experience in mortgage advisory services
- Our advisors provide home visits for personalized consultations
- We offer access to the entire mortgage market through FCA regulation
- Our team includes award-winning professionals like Young Achiever Advisor of the Year
- We maintain trusted partnerships for comprehensive financial solutions
Associations and certifications
- Financial Conduct Authority (FCA)
- PRIMIS Mortgage Network
- St. James's Place Wealth Management
What people say
Personalised service
Experienced advisors
Home visits available
Regulatory compliance
Complex case handling
Services
Mortgages
We provide comprehensive mortgage advisory services with access to the entire market. Our FCA-regulated advisors help clients navigate residential and buy-to-let mortgages, offering tailored solutions for first-time buyers, remortgagers, and investors. With over 20 years' experience, we combine market expertise with personalized guidance to secure competitive rates and suitable terms.
Lifetime Mortgages
Specialist advice on lifetime mortgages for older homeowners seeking to release equity. We explain how these products affect inheritance and benefits, using illustrative examples to demonstrate potential debt growth. Our advisors help clients understand the implications of interest roll-up and provide guidance on lasting power of attorney considerations.
Life Assurance
Tailored life insurance solutions to protect families and financial commitments. We offer term life, whole-of-life, and critical illness cover, explaining policy features and helping clients choose appropriate coverage levels. Our advisors ensure clients understand how these products integrate with mortgage protection and estate planning strategies.
Protection
Comprehensive protection planning including income protection, critical illness cover, and private medical insurance. We assess individual needs and recommend suitable policies that provide financial security against unforeseen circumstances. Our advisors explain policy terms and help clients understand how these products complement their overall financial plans.
General Insurance
Guidance on general insurance products to protect personal assets and liabilities. We help clients navigate home, car, and specialist insurance policies, explaining coverage options and exclusions. Our advisors ensure clients understand how these protections integrate with their broader financial security strategy while maintaining regulatory compliance.
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
Promoted to this key role in 2015, Michelle brings 30 years' financial services experience including 15 years with the company in various positions, ensuring regulatory compliance and financial oversight.
Jim Leary
Mortgage and Protection Advisor
IFA background since joining in 2005, Jim combines practical experience with non-executive director responsibilities, providing mortgage and protection advice to clients across Scotland.
Richard Noble
Mortgage and Protection Advisor
Original team member since 2003, Richard offers continuity as both advisor and non-executive director, supporting clients with mortgage and protection needs throughout his career.
Louise Laing
Mortgage and Protection Advisor
With 30 years' finance experience including major high street lenders, Louise specialises in property financing solutions while maintaining her passion for mountain climbing and adventure travel.
Questions
What mortgage services do you offer?
We provide residential mortgages, buy-to-let, remortgaging, and lifetime mortgages with access to the entire market through FCA-regulated advisors.
How are your fees structured?
Our standard fee is £500 (up to 1.5% of loan amount) payable on completion, with options to integrate costs into mortgage loans where appropriate.
Do you offer home visits?
Yes, we provide home visits across Scotland for personalized consultations, combining convenience with tailored financial advice.
What protection products do you advise on?
We cover life assurance, critical illness cover, income protection, and private medical insurance to create comprehensive protection strategies.
How do you handle complex cases?
Our advisors have extensive experience with complex mortgages, including self-employed applicants, adverse credit histories, and specialist property types.
What qualifications do your advisors hold?
All advisors maintain FCA-required qualifications with ongoing professional development, including recent awards for young achievers in the industry.
