Laura Jane Smith - Independent Mortgage & Protection Advisor

Laura Jane Smith - Independent Mortgage & Protection Advisor Mortgage Advice - Residential/Buy to Let
Protection Advice - Life/Critical Illness/GI

Mortgage warrior 💪Don't let a tricky situation stop you from fighting your way to a solution. If you're facing divorce,...
09/06/2026

Mortgage warrior 💪

Don't let a tricky situation stop you from fighting your way to a solution.

If you're facing divorce, debt pressures, capital raising needs, or a non-standard lending scenario, talk to me.

I have helped others through it—and I can help you too. 🏡

*Your home may be repossessed if you do not keep up repayments.

Get in touch

☎️07739035358
📧[email protected]
💻WhatsApp Facebook Teams available

Did you know? Most mortgage lenders require buildings insurance to be in place before your mortgage completes. If you're...
06/06/2026

Did you know? Most mortgage lenders require buildings insurance to be in place before your mortgage completes.

If you're buying a home and need buildings insurance, contact me for independent, open-market quotes to help you find suitable cover for your needs.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Get in touch

☎️07739035358
📧[email protected]
💻WhatsApp Facebook Teams available

03/06/2026

💙 Coalsnaughton evacuees 💙

Home owners that have been affected by the recent mandatory evacuation/displacement in Coaslnaughton.

If you hold a Buildings & Contents policy taken with us, please feel free to get in touch and we can help point you in the right direction for assistance and claims with your provider.

We are here to help and support you.

Mortgage & Protection Advisor
Laura Jane Smith
07739035358
[email protected]
David Milloy Financial Services Ltd

🥛 back when the milkman had time to flirtTaking mortgage advice from your parents is a bit like asking someone from 1960...
03/06/2026

🥛 back when the milkman had time to flirt

Taking mortgage advice from your parents is a bit like asking someone from 1960 how to buy a house today.

Back when a coalman was an honest-to-goodness job title, the milkman knew everyone's name, a penny mix actually contained more than one sweet and a house cost less than a family hatchback does now.

Their advice means well — but they were playing a completely different game.

Listen to their experience. Appreciate their wisdom. Come to us for relevant advice on today's market.

Get in touch
☎️07739035358
📧[email protected]
💻WhatsApp Facebook Teams available

First-Time Buyer in Scotland? Help is on the way dear...your deposit could get a £10,000 Boost!The Scottish Government’s...
31/05/2026

First-Time Buyer in Scotland? Help is on the way dear...your deposit could get a £10,000 Boost!

The Scottish Government’s First Homes Fund could help eligible first-time buyers get onto the property ladder sooner with up to £10,000 towards your deposit through a shared equity scheme.

✔ Up to £10,000 contribution
✔ Homes up to £300,000
✔ Available on new build & existing homes
✔ No monthly repayments to the Scottish Goverment

As an independent mortgage adviser, I can help you:

🔹 Understand if you qualify
🔹 Find the right mortgage deal
🔹 Guide you through the application process
🔹 Make buying your first home less stressful

Get in touch today for friendly, expert advice on your first home purchase.

Tel: 07739035358
Email: [email protected]
Appointments: Whats-app, Teams, Facebook available

Talking point today - Income Protection ☕️Could you still pay your bills if you were signed off work due to illness or i...
28/05/2026

Talking point today - Income Protection ☕️

Could you still pay your bills if you were signed off work due to illness or injury?

Income protection helps provide a monthly income to support essential costs like your mortgage or rent, household bills, and everyday living expenses while you recover.

For most people, their income is their biggest financial asset — yet it’s often the least protected. Having the right cover in place can help reduce financial stress and give you peace of mind during difficult times.

The purpose of income protection is not to replace every penny you earn, but to help reduce financial pressures so you can focus on recovery instead of worrying about how to pay your bills.

Get in touch today for a free protection review ☕️

☎️ 07739035358
📧 [email protected]
💻 WhatsApp, Skype, Teams & Facebook available

BUILD YOUR WAY HOME ⚒️Buying a home is like starting a brand-new world.At first, it can feel overwhelming; there's unfam...
20/05/2026

BUILD YOUR WAY HOME ⚒️

Buying a home is like starting a brand-new world.

At first, it can feel overwhelming; there's unfamiliar terrain, big decisions, and lots of moving pieces. But every great build starts with the right tools, the right guidance, and a solid plan.

That’s where I spawn in.

I help future homeowners gather the knowledge, confidence, and provide the support they need to craft their future one block at a time.

No confusion. No guesswork. Just expert support to help you level up from dreaming to owning.

Your home world adventure starts here.

Getting in touch

☎️07739035358
📧 [email protected]
💻 WhatsApp Facebook Teams available

This is Brewster boy, he tracks balls. I'm Laura, I track mortgage rates. Tracker rates are currently sitting around 1%...
22/04/2026

This is Brewster boy, he tracks balls. I'm Laura, I track mortgage rates.

Tracker rates are currently sitting around 1% lower than fixed rate options 👀

When reviewing your mortgage options, it’s worth considering whether a tracker could suit your circumstances better than a traditional fixed deal — with recommendations tailored specifically to you.

Here are a few of the key benefits right now:

⭐️Base rate expected to rise by 1% before the next review? Unlikely.
⭐️ Flexibility — some lenders allow you to switch to a fixed rate later with no early repayment charge.
⭐️ Greater freedom to adapt your mortgage as your plans change — whether that’s moving home, buying, or selling.

We currently have access to lenders offering flexible tracker products with no Early Repayment Charge for switching to a fixed rate later (subject to lender criteria).

This approach has already helped a couple of clients this week:

• One planning a move within the next 12 months.
• Another comfortable with variable monthly payments, but keen to benefit from a lower overall rate compared to fixed options.

If you’re reviewing your mortgage or just want to understand your options, feel free to get in touch — happy to help.

📧[email protected]
☎️07739035358
💻 WhatsApp Teams Facebook available

Photo credit to Lexie Brown at Lexb.Media, my very talented little cousin.

When the DIY plans get a bit…out of hand 🪣😂Thinking about upgrading your home but not quite sure where to start (or how ...
14/04/2026

When the DIY plans get a bit…out of hand 🪣😂

Thinking about upgrading your home but not quite sure where to start (or how to fund it)?

Whether it’s a new kitchen, extension, or finally fixing those “temporary” jobs, a remortgage could help unlock the funds you need 💡

📩 Message me to see how much you could borrow for home improvements.

*Your home may be repossessed if you do not keep up repayments on your mortgage

Getting in touch
☎️07739035358
📧[email protected]
💻WhatsApp Skype Teams Facebook available

🌼 Spring Has Sprung — Is Your Home Ready?As the snowdrops start to bloom and the days get lighter, many homeowners begin...
05/03/2026

🌼 Spring Has Sprung — Is Your Home Ready?

As the snowdrops start to bloom and the days get lighter, many homeowners begin thinking about fresh starts and new projects at home.

Spring is the perfect time to finally tackle those improvements you’ve been putting off:

🏡 A new kitchen
🌿 Landscaping the garden
🛠️ Converting the loft or garage
🛁 Updating bathrooms
🌞 Creating that outdoor space for summer

many homeowners are releasing funds from their property through capital raising on their mortgage to tackle these projects.

By reviewing your current mortgage, you may be able to:

✔ Raise funds for home improvements
✔ Spread the cost over your mortgage term
✔ Potentially secure a competitive rate
✔ Add value to your home

Just like the season brings new growth, your home could be ready for its own transformation.

If you’re thinking about improvements this year, I’d be happy to review your mortgage and explore whether raising capital could work for you.

📩 Message me for a friendly chat.
☎️07739035358
📧[email protected]
💻WhatsApp Facebook Teams appointments available

*Your home may be repossessed if you do not keep up repayments.

Address

78 Stirling Street
Alva
FK125EA

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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