Great mortgage deals for first time buyers start with a conversation
Jargon-free, first-time buyer mortgage advice
Whether you’re a first-time buyer, or an old hand, you need mortgage advice you can trust from a local adviser who knows the local market.
Expert Mortgage Brokers
You also need to know that you are getting a good deal. Our mortgage brokers, John and Steph, will search the entire market to find the mortgage that is right for you. They will then guide and help you through the entire process of moving into your own home for the first time and every time after that.
Areas We Cover
We advise first time buyers right across central Scotland including:
Glasgow
Edinburgh
Falkirk
Stirling
Alloa
Livingston
Perth
Dunfermline
Cumbernauld
Motherwell
Book a conversation with a local mortgage broker
Or call us on 0141 6400 900
5 star service
“Steph was absolutely brilliant throughout the whole process. From looking into our existing mortgage, arranging our new mortgage, life insurance and home insurance.”
Access to thousands of deals from 90+ lenders
Talk to our friendly, local mortgage advisers
We provide straightforward, personalised mortgage advice that helps you make the right choice.
Based in Central Scotland, our in-depth knowledge of the Scottish market is second to none. We’ll explain the different mortgage types and help you choose the right product for you. We've helped lots of first-time buyers on their journey to home ownership, and we'll help you.
John O'Malley
John has extensive experience in both finance and property and is passionate about helping people navigate their financial journeys.
He brings over 18 years of experience helping first-time buyers find and achieve their homeownership dreams.
John thrives on guiding his clients through the complex mortgage world, ensuring they feel confident and informed at every step.
Steph English
Steph draws on over a decade of experience helping her clients secure the best mortgage deals for their circumstances.
She always focuses on making the process smooth and stress-free and finds helping onto their first property incredibly rewarding.
Steph loves building lasting relationships with her clients and seeing the excitement when everything comes together. She knows her job isn't just about numbers; it's about people.
Because we play by the book we want to tell you that...
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. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
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
