--- title: About Calluna Financial | Mortgage Advisers Across Scotland description: FCA-authorised mortgage and protection advisers across Scotland, based in Alloa, with access to mortgages from a wide range of lenders. --- [Skip to main content](https://www.callunafinancial.co.uk/about-us#main-content) [![Calluna Financial](https://www.callunafinancial.co.uk/hubfs/calluna-financial-logo-mono-white.svg)](https://www.callunafinancial.co.uk?hsLang=en) - [Home](https://www.callunafinancial.co.uk) - [Show submenu for Mortgages Mortgages](https://www.callunafinancial.co.uk/mortgages) - [First Time Buyers](https://www.callunafinancial.co.uk/first-time-buyers) - [Remortgage](https://www.callunafinancial.co.uk/remortgage) - [Moving House](https://www.callunafinancial.co.uk/moving-house) - [Buy-To-Let](https://www.callunafinancial.co.uk/buy-to-let) - Show submenu for Our Advisers Our Advisers - [Aberdeenshire](https://www.callunafinancial.co.uk/aberdeenshire) - [Clacks, Stirling & Falkirk](https://www.callunafinancial.co.uk/stephanie-english) - [Edinburgh](https://www.callunafinancial.co.uk/edinburgh) - [Glasgow](https://www.callunafinancial.co.uk/allan-coll-glasgow) - [Inverness](https://www.callunafinancial.co.uk/inverness) - [Protection](https://www.callunafinancial.co.uk/protection) - [Show submenu for Mortgage Tools Mortgage Tools](https://www.callunafinancial.co.uk/mortgage-tools) - [Mortgage Calculator](https://www.callunafinancial.co.uk/mortgage-calculator) - [Repayment Calculator](https://www.callunafinancial.co.uk/calculator-repayments) - [LBTT Calculator](https://www.callunafinancial.co.uk/calculator-lbtt) - [Mortgage App](https://www.callunafinancial.co.uk/mortgage-app) - [Jargon Buster](https://www.callunafinancial.co.uk/jargon-buster) - [Mortgage FAQs](https://www.callunafinancial.co.uk/mortgage-faqs) - [Show submenu for About Us About Us](https://www.callunafinancial.co.uk/about-us) - [Self-Employed Agents](https://www.callunafinancial.co.uk/self-employed-agents) - [Refer A Friend](https://www.callunafinancial.co.uk/refer-a-friend) - [Blog](https://www.callunafinancial.co.uk/blog) - [Contact Us](https://www.callunafinancial.co.uk/contact-us) Open main navigation Close main navigation - [Home](https://www.callunafinancial.co.uk) - Show submenu for Mortgages Mortgages - Mortgages - [Mortgages](https://www.callunafinancial.co.uk/mortgages) - [First Time Buyers](https://www.callunafinancial.co.uk/first-time-buyers) - [Remortgage](https://www.callunafinancial.co.uk/remortgage) - [Moving House](https://www.callunafinancial.co.uk/moving-house) - [Buy-To-Let](https://www.callunafinancial.co.uk/buy-to-let) - Show submenu for Our Advisers Our Advisers - Our Advisers - [Aberdeenshire](https://www.callunafinancial.co.uk/aberdeenshire) - [Clacks, Stirling & Falkirk](https://www.callunafinancial.co.uk/stephanie-english) - [Edinburgh](https://www.callunafinancial.co.uk/edinburgh) - [Glasgow](https://www.callunafinancial.co.uk/allan-coll-glasgow) - [Inverness](https://www.callunafinancial.co.uk/inverness) - [Protection](https://www.callunafinancial.co.uk/protection) - Show submenu for Mortgage Tools Mortgage Tools - Mortgage Tools - [Mortgage Tools](https://www.callunafinancial.co.uk/mortgage-tools) - [Mortgage Calculator](https://www.callunafinancial.co.uk/mortgage-calculator) - [Repayment Calculator](https://www.callunafinancial.co.uk/calculator-repayments) - [LBTT Calculator](https://www.callunafinancial.co.uk/calculator-lbtt) - [Mortgage App](https://www.callunafinancial.co.uk/mortgage-app) - [Jargon Buster](https://www.callunafinancial.co.uk/jargon-buster) - [Mortgage FAQs](https://www.callunafinancial.co.uk/mortgage-faqs) - Show submenu for About Us About Us - About Us - [About Us](https://www.callunafinancial.co.uk/about-us) - [Self-Employed Agents](https://www.callunafinancial.co.uk/self-employed-agents) - [Refer A Friend](https://www.callunafinancial.co.uk/refer-a-friend) - [Blog](https://www.callunafinancial.co.uk/blog) - [Contact Us](https://www.callunafinancial.co.uk/contact-us) ## About Us Mortgage Advisers Across Scotland ![logo\_\_nhs-scotland-1](https://www.callunafinancial.co.uk/hubfs/logo__nhs-scotland-1.svg) ### Exclusive Referral Partner of NHS Trust Workers ## Sort your mortgage with the right person We advise across Scotland, and each of us looks after our own patch. So you're not handed to whoever's free, you get the person who knows your area, and you keep them. The same adviser from your first question through to completion, and again when your deal comes up for renewal. We're directly authorised by the FCA and have access to mortgages from a wide range of lenders, so what we recommend is built around your circumstances rather than one lender's range. And we'll explain it in plain English, over a coffee, at your kitchen table, or on a video call if that's easier. #### Access to thousands of deals from 90+ lenders ![Nationwide](https://www.callunafinancial.co.uk/hs-fs/hubfs/logos/img__nationwide.png?width=756&height=100&name=img__nationwide.png) ![Halifax](https://www.callunafinancial.co.uk/hs-fs/hubfs/logos/img_halifax-grey.png?width=156&height=101&name=img_halifax-grey.png) ![Royal Bank of Scotland](https://www.callunafinancial.co.uk/hs-fs/hubfs/img__rbs.png?width=371&height=101&name=img__rbs.png) ![TSB](https://www.callunafinancial.co.uk/hs-fs/hubfs/img__tsb.png?width=266&height=100&name=img__tsb.png) ![Bank of Scotland](https://www.callunafinancial.co.uk/hs-fs/hubfs/logos/img__bank-of-scotland.png?width=430&height=100&name=img__bank-of-scotland.png) ![Santander](https://www.callunafinancial.co.uk/hs-fs/hubfs/logos/img__santander.png?width=579&height=100&name=img__santander.png) ## Meet the team Our team bring you a wealth of financial services experience, knowledge of the Scottish market and a genuine desire to help you achieve your dreams of property ownership and financial peace of mind. Our goal is to make the mortgage process smooth and simple, by sharing the information you need to make the best possible decisions for you personally. We’ll offer advice and guidance from beginning to end, and will be here to help you with all your financial needs as you move through your life. [![John O'Malley](https://www.callunafinancial.co.uk/hs-fs/hubfs/staff/john-omalley-2025.jpg?width=500&height=500&name=john-omalley-2025.jpg)](https://www.callunafinancial.co.uk/john-omalley?hsLang=en) #### John O’Malley Owner and Financial Adviser [Read bio](https://www.callunafinancial.co.uk/john-omalley?hsLang=en) ### Our Team [![Stephanie English](https://www.callunafinancial.co.uk/hs-fs/hubfs/staff/stephanie-english-2025.jpg?width=500&height=500&name=stephanie-english-2025.jpg)](https://www.callunafinancial.co.uk/stephanie-english?hsLang=en) #### Stephanie English Senior Mortgage and Protection Broker/Senior Compliance Manager [Read bio](https://www.callunafinancial.co.uk/stephanie-english?hsLang=en) ![Headshots](https://www.callunafinancial.co.uk/hs-fs/hubfs/Headshots.png?width=500&height=500&name=Headshots.png) #### Harnek Padda Business Development Assistant ![Ross Dickson-McKnight](https://www.callunafinancial.co.uk/hs-fs/hubfs/staff/ross-dickson-mcknight-2025.jpg?width=500&height=500&name=ross-dickson-mcknight-2025.jpg) #### Ross Dickson Media Manager ### Our Advisers [![Alan Urquhart](https://www.callunafinancial.co.uk/hs-fs/hubfs/staff/alan-urquhart.png?width=500&height=500&name=alan-urquhart.png)](https://www.callunafinancial.co.uk/edinburgh?hsLang=en) #### Alan Urquhart Mortgage and Protection Adviser [Read Bio](https://www.callunafinancial.co.uk/edinburgh?hsLang=en) [![img\_\_daljit](https://www.callunafinancial.co.uk/hs-fs/hubfs/staff/img__daljit.png?width=500&height=500&name=img__daljit.png)](https://www.callunafinancial.co.uk/aberdeenshire?hsLang=en) #### Daljit Sandhu Mortgage and Protection Adviser [Read Bio](https://www.callunafinancial.co.uk/aberdeenshire?hsLang=en) [![Allan-coll-small](https://www.callunafinancial.co.uk/hs-fs/hubfs/Allan-coll-small.png?width=500&height=500&name=Allan-coll-small.png)](https://www.callunafinancial.co.uk/allan-coll-glasgow?hsLang=en) #### Allan Coll Mortgage and Protection Adviser  [Read Bio](https://www.callunafinancial.co.uk/allan-coll-glasgow?hsLang=en) [![Stephanie Coyne Headshot](https://www.callunafinancial.co.uk/hs-fs/hubfs/Stephanie%20Coyne%20Headshot.png?width=500&height=500&name=Stephanie%20Coyne%20Headshot.png)](https://www.callunafinancial.co.uk/inverness?hsLang=en) #### Stephanie Coyne Mortgage and Protection Adviser  [Read Bio](https://www.callunafinancial.co.uk/inverness?hsLang=en) ### Because we play by the book we want to tell you that... **Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances.** ### **Proudly Accredited with Own New** Calluna Financial is now an approved broker for the Own New scheme, a powerful initiative designed to make buying a new build home more accessible through innovative shared equity solutions. This accreditation allows us to support housebuilders in accelerating sales and help buyers step into homeownership with reduced upfront costs and competitive mortgage rates. Whether you're a developer or a first-time buyer, we’re here to guide you through every step. - ![Own New Approved Broker](https://www.callunafinancial.co.uk/hs-fs/hubfs/Approved-Broker-Stamp_LinkedIn.png?width=600&height=600&name=Approved-Broker-Stamp_LinkedIn.png) Hover message - ![LIBF Certified Mortgage Adviser](https://www.callunafinancial.co.uk/hs-fs/hubfs/certified-mortgage-adviser.png?width=600&height=600&name=certified-mortgage-adviser.png) Hover message ![White mono version of the Calluna Financial logo](https://www.callunafinancial.co.uk/hubfs/calluna-financial-logo-alt-mono-white.svg "White mono version of the Calluna Financial logo") Calluna Financial is directly authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 1020528 Calluna Financial Registered Office: 6 Primrose Street, Alloa, Clackmannanshire, Scotland, FK10 1JG. Registered in Scotland: SC815245. © Calluna Financial Limited. All Rights Reserved. Subscribe here to receive mortgage tips and advice from our blog by email every month. - [Terms and Conditions](https://www.callunafinancial.co.uk/terms-and-conditions) - [Privacy Policy](https://www.callunafinancial.co.uk/privacy-policy) - [Cookie Policy](https://www.callunafinancial.co.uk/cookie-policy) - [Your Rights](https://www.callunafinancial.co.uk/your-rights) - [IDD](https://www.callunafinancial.co.uk/idd) - [Contact Us](https://www.callunafinancial.co.uk/contact-us) ```json { "@context" : "schema.org", "@type" : "VideoObject", "contentUrl" : "vimeo.com/1009161022?fl=pl&fe=ti", "description" : "An STV television commercial created for Calluna Financial.", "embedUrl" : "player.vimeo.com/video/1009161022?badge=0&autopause=0&player_id=0&app_id=58479", "name" : "Calluna Financial - STV Commercial", "thumbnailUrl" : "i.vimeocdn.com/video/1952204903-ce53847e0caac258ad941f0cfe93e52f8a2404e8acb5a156e9c950cb34b1c5ee-d?mw=1800&mh=830", "uploadDate" : "2025-05-23T12:34:28TZ" } ```