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Passionate about looking after you and your mortgage & protection needs. We thrive on finding the perfect mortgage deal or insurance to keep you protected, and our passion for service has pushed us further.

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.

Whatever your financial needs, from mortgages to protection insurance, you can rely on Roost for clear, uncomplicated choices for your next move.

The modern-day Mortgage Broker. We aim to make your ultimate goals happen using mortgages.

Independent, whole-of-market mortgage broker, meeting all your needs for mortgage, remortgage, equity release, first-time buyers, portfolio landlords and insurance.

We are equity release and later life mortgage specialists. Unlike most mortgage brokers we DO NOT CHARGE BROKER FEES!

We provide Quality Mortgage advice including all relevant insurance and protection products.

Our many 5 star reviews reflect the passion we have for customer service - we always go the extra mile.

• Independent, expert, no fuss advice • Whole of market • Free, no obligation quotation • Friendly and personal service

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