Business Details
Your Trusted Financial Advisers in Milnathort
Established by John and Jean Dawson, More than Mortgages has over 55 years of combined experience in financial services. We specialise in providing independent, unbiased advice tailored to individual client needs, covering protection, retirement planning, investments, savings, and mortgages. Our approach prioritises a personal, caring relationship with no time constraints, ensuring clients feel comfortable discussing their financial goals.As FCA-regulated advisers, we maintain the highest standards of professionalism and ethical practice. Our expertise extends to niche areas like equity release and critical illness cover, reflecting our commitment to addressing evolving client needs. With most business coming from referrals, our reputation for reliability and client-centric service is well-established across Scotland.
Services
Protection
Retirement Planning
Investment Advice
Savings Strategies
Mortgage Solutions
Equity Release
Critical Illness Cover
Pension Transfers
Financial Planning
Annuity Advice
Highlights and features
- We have over 55 years of combined experience in financial services.
- Our advice is fully independent and FCA-regulated for your protection.
- We prioritise a personal, caring approach with no time constraints.
- Specialists in equity release and critical illness cover solutions.
- Most clients return or refer us due to our proven track record.
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Personalised service
Caring approach
Knowledgeable advisors
Efficient and reliable
Great value for money
Services
Protection
We offer comprehensive protection solutions including life cover, critical illness, income protection, and private healthcare. Our tailored approach ensures clients receive coverage aligned with their personal circumstances and financial obligations. With expertise in assessing individual risk profiles, we help safeguard families and businesses against unforeseen events while maintaining affordability.
Retirement Planning
Our retirement planning services cover pensions, annuities, drawdown options, and pension transfers. We specialise in navigating pension freedoms and auto-enrolment requirements, helping clients maximise their retirement income. With in-depth knowledge of legislative changes, we ensure strategies remain compliant and optimised for long-term financial security.
Investment Advice
We provide expert guidance on ISAs, unit trusts, investment bonds, and ethical portfolios. Our process begins with a comprehensive fact-find to understand risk tolerance and financial goals. We monitor market trends and adjust strategies to balance growth potential with capital preservation, ensuring investments align with evolving client needs.
Mortgage Solutions
We offer residential, buy-to-let, and equity release mortgages tailored to individual circumstances. Our expertise includes remortgaging, interest-only options, and complex cases requiring specialist lenders. By accessing products from multiple providers, we secure competitive rates while ensuring affordability assessments meet regulatory requirements.
Financial Planning
Our holistic financial planning integrates protection, investments, and retirement strategies into cohesive roadmaps. We conduct detailed fact-finds to understand current assets, liabilities, and future aspirations. Regular reviews ensure plans adapt to life changes, market conditions, and legislative updates, providing clients with confidence in their long-term financial direction.
People
John Dawson
Director
With over 25 years in financial services, John specialises in critical illness cover and mortgage solutions. He prioritises transparent communication and has helped clients navigate complex financial decisions since founding the firm. His personal experience with cancer underscores his commitment to proactive protection strategies.
Jean Dawson
Director
Jean brings extensive expertise in equity release and retirement planning. Recognised for her empathetic approach, she has built long-term relationships with clients across Scotland. Her dedication to client education and tailored solutions has driven the firm's growth through referrals and repeat business.
Questions
What financial services do you offer?
We provide independent advice on mortgages, pensions, investments, savings, and protection products including critical illness cover and equity release solutions.
How are you different from other financial advisers?
As independent advisers, we have access to the entire market and no product restrictions. Our 55+ combined years of experience ensure tailored, ethical recommendations focused solely on client needs.
Can you help with urgent mortgage requirements?
Yes, we've successfully arranged time-sensitive mortgages, including complex cases requiring specialist lenders. Our track record shows we deliver solutions under tight deadlines.
Do you offer home visits?
Yes, we provide flexible consultations at client homes or workplaces, alongside office appointments in private rooms at our Milnathort address.
How do you stay updated on financial regulations?
As FCA-regulated advisers, we maintain compliance through continuous professional development and regular audits to ensure our advice meets current legislative standards.
What areas do you cover?
We serve clients across Scotland including Perth and Kinross, Fife, Angus, and Stirlingshire, with remote consultations available nationwide.
