Securing the right mortgage is one of the most important financial decisions you’ll ever make, and having an experienced mortgage adviser guiding you can make all the difference.
Emma Melrose is an experienced, knowledgeable, and approachable mortgage and protection adviser who takes the time to understand your personal circumstances, goals, and long-term plans. Whether you’re buying your first home, moving property, remortgaging to secure a better rate, or reviewing your protection arrangements, Emma provides clear, practical advice you can trust.
Based in Stepps, Emma supports clients across North Lanarkshire, Glasgow, and the surrounding areas, offering flexible appointments to suit your schedule, including home visits if you would prefer to receive advice in the comfort of your own home.

“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
Everyone’s situation is different, and your mortgage should reflect that.
Emma provides advice from a vast range of mortgage products across the market, allowing her to recommend options that are genuinely suited to your needs rather than offering a one-size-fits-all solution. With her approachable style, she carefully reviews your circumstances before explaining your options in straightforward, easy-to-understand terms, ensuring you feel confident and fully informed throughout.
From your initial enquiry through to completion, and even after your mortgage is in place, Emma remains available to answer questions and provide ongoing support whenever you need it.

Clients value Emma’s calm, professional manner and her ability to make the mortgage process feel organised and manageable. She focuses on delivering structured, well-explained advice so you feel confident in every decision.
You can expect:
In addition to mortgage advice, Emma can review your protection arrangements, including life cover, critical illness protection, and income protection, helping to ensure financial security for you and your family should the unexpected happen.
All protection advice is provided carefully and responsibly, based on your individual priorities and long-term plans.


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
Calluna Financial Registered Office: 6 Primrose Street, Alloa, Clackmannanshire, Scotland, FK10 1JG. Registered in Scotland: SC815245.
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