Business Details
Independent Financial Advisers in Milnathort
Established by John and Jean Dawson, More Than Mortgages brings over 55 years of combined experience in financial services to deliver independent, client-focused advice. Our approach prioritises your needs through comprehensive fact-finding and tailored solutions across protection, retirement planning, investments, savings, and mortgages. We operate with full transparency, offering access to a wide range of products from leading providers while maintaining a personal, caring ethos. Our expertise in equity release and critical illness cover addresses specific life-stage challenges, and our commitment to ongoing client relationships ensures continuous support. Regulated by the Financial Conduct Authority, we serve clients across Scotland with home visits and office consultations, combining professionalism with a warm, approachable manner.
Services
Protection
Retirement Planning
Investments
Savings
Mortgages
Equity Release
Critical Illness Cover
Served areas
- Fife, Perth & Kinross
Highlights and features
- We offer 55+ years combined experience in financial advisory services
- Our personal approach includes home visits and tailored consultations
- We provide access to products from leading investment and insurance providers
- Specialist expertise in equity release and critical illness cover
- Regulated by the Financial Conduct Authority for client protection
Associations and certifications
- Financial Conduct Authority
What people say
Personalised service
24/7 availability
Expert mortgage advice
Long-term financial planning
Thorough understanding of needs
Services
Protection
We offer comprehensive protection solutions including life cover, critical illness insurance, income protection, and private healthcare. Our tailored approach ensures appropriate coverage for your specific circumstances. With access to multiple providers, we help safeguard your financial future against unforeseen events.
Retirement Planning
Our retirement planning services cover pensions, annuities, drawdown options, and pension transfers. We help clients navigate pension freedoms and auto-enrolment requirements. Our long-term strategies ensure financial security during retirement years while complying with evolving legislation.
Investments
We provide investment solutions including ISAs, unit trusts, investment bonds, and ethical portfolios. Our independent status allows selection from leading providers to match your risk profile and financial goals. Regular portfolio reviews ensure continued alignment with objectives.
Savings
Our savings solutions cater to both regular contributions and lump sum investments. We help clients establish effective savings strategies for short-term goals and long-term wealth accumulation. Our advice considers tax efficiency and accessibility requirements.
Mortgages
We offer comprehensive mortgage advice including residential, buy-to-let, remortgaging, and equity release solutions. Our expertise helps clients secure competitive deals tailored to their circumstances. We provide ongoing support throughout the mortgage lifecycle.
People
John Dawson
Director
With extensive financial services experience, John specialises in critical illness cover following his personal health journey. He focuses on long-term financial planning and client education, bringing empathy and technical expertise to every consultation.
Jean Dawson
Director
Jean specialises in equity release and mortgage solutions, known for her dedication and 24/7 client support. Her approach combines technical knowledge with genuine care, ensuring clients receive both expert advice and emotional support during financial decisions.
Questions
Are you truly independent financial advisers?
Yes, we're authorised by the FCA and have no ties to specific providers, giving us complete freedom to recommend suitable products.
What areas do you cover?
We primarily serve clients across central Scotland including Perth and Kinross, Fife, and Stirlingshire.
Can you help with complex mortgage cases?
Yes, we specialise in challenging cases including buy-to-let, remortgaging, and equity release solutions.
Do you offer ongoing financial support?
Yes, we provide continuous portfolio reviews and financial planning updates to ensure your plans remain on track.
How are you regulated?
We're regulated by the Financial Conduct Authority under reference 572521 for your protection.
What makes you different from bank advisers?
As independent advisers, we have access to the entire market rather than just our employer's products.
Reviews (6)
Catherine Crocker
Feb 20, 2022
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I was feeling so overwhelmed with the world of mortgages being a first time buyer. Danielle made me feel so much more at ease on an initial phone consultation and was very kind, patient and understanding. Thank you!
Denice Currie
Dec 18, 2021
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Very professional service, with the personal touch, from Danielle and Jean. Helped us with mortgages and will be returning for pension advice. Knowledgable, responsive and friendly. Thoroughly recommended.
Sarah H. Proudfoot
Sep 09, 2021
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Great customer service from More Than Mortgages, I would definitely recommend them. Danielle was super friendly, efficient and very knowledgable and we felt in very capable hands! Thank you very much indeed!
Eileen Frost
Mar 17, 2019
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I was in need of financial, taxation and mortgage advice. This I received at the highest level. John Dawson dealt with my financial and taxation side and Jean Dawson dealt with the mortgage side. They both were most courteous, efficient and business like in their dealings with me and other parties with whom they had contact, on my behalf. All business was concluded swiftly and with compassion and humour.
They are an excellent team and I cannot rate them highly enough. I wish them well in their endeavours and I am certainly a client for life. I wholeheartedly recommend them to anyone wishing for a good confidential service.
They are an excellent team and I cannot rate them highly enough. I wish them well in their endeavours and I am certainly a client for life. I wholeheartedly recommend them to anyone wishing for a good confidential service.
Carole Baggaley
Jan 23, 2019
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Local, professional and friendly, after receiving great advice I got my Pension sorted out, very happy to recommend!
Eileen Frost
I was in need of financial, taxation and mortgage advice. This I received at the highest level. John Dawson dealt with my financial and taxation side and Jean Dawson dealt with the mortgage side. They both were most courteous, efficient and business like in their dealings with me and other parties with whom they had contact, on my behalf. All business was concluded swiftly and with compassion and humour.
They are an excellent team and I cannot rate them highly enough. I wish them well in their endeavours and I am certainly a client for life. I wholeheartedly recommend them to anyone wishing for a good confidential service.
They are an excellent team and I cannot rate them highly enough. I wish them well in their endeavours and I am certainly a client for life. I wholeheartedly recommend them to anyone wishing for a good confidential service.