Choosing the right mortgage and putting the right protection in place are two of the most important financial decisions you’ll ever make - and having an experienced mortgage and protection adviser beside you makes all the difference.
Lucy Macdonald is a friendly, knowledgeable mortgage and protection adviser who takes the time to fully understand your circumstances, goals, and long-term plans. Whether you’re a first-time buyer, moving home, remortgaging, or reviewing your life insurance and protection cover, Lucy provides clear, straightforward advice you can rely on.
Based in Dunfermline, Lucy supports clients across Fife and surrounding areas, offering flexible appointments to suit your schedule - including home visits if you’d prefer advice in the comfort of your own home.
5 star service
“Highly recommend John & the team at Calluna. Extremely helpful every step of the way and made buying my first property seamless! 10/10 service!”
Holly Campbell
Mortgage & Protection Advice Tailored to You
No two people are the same - and neither are their finances.
Lucy offers access to a comprehensive range of mortgage products and protection solutions from across the market, enabling her to recommend options that are tailored to your individual needs rather than a one-size-fits-all approach. She explains everything in simple terms, so you feel confident and informed when choosing the right mortgage or protection policy.
From your initial enquiry through to mortgage completion and beyond, Lucy is on hand to answer your questions, guide you through the process, and ensure everything runs smoothly.
A Personal, Approachable Service
Clients value Lucy’s calm, approachable manner and her commitment to making the mortgage and protection process as straightforward and stress-free as possible.
You can expect:
Clear, honest explanations with no jargon
Mortgage and protection advice tailored to your circumstances
Flexible appointment times to suit you
The option of face-to-face meetings at your home, if preferred
Ongoing support, not just at application stage but for future reviews
Protection Advice for Peace of Mind
Alongside mortgage advice, Lucy will help you put the right protection in place - including life insurance, critical illness cover, and income protection - ensuring you and your loved ones are financially protected if the unexpected happens.
All protection advice is provided carefully and responsibly, based on your individual needs, priorities, and financial situation.
Get Started Today
If you’re looking for professional mortgage and protection advice in Dunfermline and Fife, Lucy will be delighted to have a chat with you.
Get in touch today to arrange an initial conversation and take the next step with confidence.
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. Calluna Financial is authorised and regulated by the Financial Conduct Authority. Mortgage and protection advice is subject to eligibility and affordability.
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.
Calluna Financial is directly authorised by the Financial Conduct Authority to search the whole of market. FCA Authorisation number: 1020528
