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Whole of market mortgage and protection advice for first time buyers, home movers and remortgages. Clear guidance, fast responses and a smooth process from decision in principle to completion.

Independent Mortgage Advisers offering quality advice throughout the UK

At Concept Mortgage Planning, our mission is to make the mortgage process simple, transparent, and stress-free, whether you’re buying your first home, remortgaging, investing in property, or exploring later life lending options.

We are a firm of mortgage and protection advisers spread all across the UK with a single goal of making sure we advise the most suitable solution for you. Our advisers cover all specialisms, and we are waiting to help you!

Independent Mortgage Advisers offering quality advice throughout the UK

We are a firm of mortgage and protection advisers spread all across the UK with a single goal of making sure we advise the most suitable solution for you. Our advisers cover all specialisms, and we are waiting to help you!

Professional Adviser Awards - Winners 2026, 2023 & 2022 M&A Today Global Awards 2025 - Scottish Mortgage Adviser of the Year - Neil Gallagher NatWest Local Hero Mortgage Awards 2019 - Best Firm, Scotland

Introducing Our Award-Winning Team: Specialists in Mortgages, Equity Release, and Second Charges. Join thousands of satisfied clients who have trusted us with their financial futures. With over 2,500 glowing Trustpilot reviews.

I have over 20 Years experience in financial services

We always offer expert advice to help you manage your finances