David Milloy - Independent Mortgage Adviser

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David Milloy - Independent Mortgage Adviser

Mortgage & Protection Adviser that will find the best mortgage product for you while providing you with excellent customer service

Mortgages (Whole of Market) - Residential & Buy to Let
Protection - Life & Critical Illness, Income Protection, Business Protection
Insurance - Buildings & Contents, Unemployment Cover, Business Related

26/08/2026

A Mortgage in Principle isn't the same as a mortgage offer.

Sometimes called an Agreement in Principle or Decision in Principle, it gives an indication of how much a lender might be prepared to lend based on an initial assessment.

It can help you understand your potential property budget before you begin making serious offers, but it isn't a guarantee that a full mortgage application will be approved.

The property and your full circumstances still need to meet the lender's requirements.

Planning your first purchase? We can help you understand each stage.

https://bit.ly/4wRddOO

24/08/2026

Your salary isn't the only part of the mortgage affordability picture. 🏡

When considering a mortgage application, lenders look at money coming in and money going out to assess whether repayments are affordable.

That can include your income, regular expenditure and wider financial commitments, with supporting documents often required as part of the application process.

Understanding this before you start looking for a mortgage can give you a clearer idea of the position you're in and the options available to you.

If you'd like personalised mortgage advice based on your circumstances, get in touch with us.

https://bit.ly/4whZbEY

19/08/2026

Not every mortgage is designed for your own home. 🏘️

A buy-to-let mortgage is specifically intended for purchasing a property that will be rented to tenants rather than lived in by the owner.

These mortgages usually require a larger deposit, and lenders will typically assess the expected rental income alongside other affordability considerations.

If you're thinking about investing in property, visit https://bit.ly/4fwIUXI to learn more about your options.

17/08/2026

the LIFT Open Market Shared Equity Scheme (OMSE) has now reopened 🏠

OMSE is open to first-time buyers and the following priority groups:

Social renters (people who rent from a council or Registered Social Landlord)
People with a disability who can demonstrate a housing need
Members of the armed forces
Veterans who have left the armed forces within the past two years
Widows, widowers and other partners of service personnel who have lost their life while serving in the armed forces within the last two years
People aged over 60 with a housing need.

Contact us to check eligibility and we can guide you through the process from start to to finish.

David Milloy
DMFS Ltd

T: 01259 762302 / 07917 820587
E: [email protected]
W: https://bit.ly/4whZbEY

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

13/08/2026

Protection isn't only about today.

Life insurance can provide financial support for the people you care about if the unexpected happens, helping to ease financial pressure during an incredibly difficult time.

Choosing the right cover starts with understanding your circumstances, your family and your long-term plans.

Learn more about traditional life insurance at https://bit.ly/4hGpQYi

12/08/2026

Very entertaining game at home tonight sees us pick up our first 3 points of the season against a well organised, experienced Stenhousemuir side.

Milton started the brighter of the two and opened the scoring in the first 10mins, good play down the righthand side seen the ball played into Johnny Harrison’s feet, the striker composed himself with a lovely finish into the bottom right hand corner.

The lead wasnt to last too long with a good cross and an equally good header making it 1-1 with 15mins gone.

Milton regained the lead through a long throw from Lewis Mcivor was met at the back post by Kieran Mcmahon but again the lead didnt last long, Milton failed to deal with a long throw and the scores were level going into the break.

HT 2-2

2nd half saw Stenhousemuir start the brighter of the two teams but Milton retook the lead with a great header at the back post by Kieran again with a great cross provided by LJ

A fourth soon followed as we stepped up a gear and a good finish by Gregor Mcleod from a scramble inside the box.

Changes were made by the home side to consolidate the 3points but the goals didnt stop as Keiran rounded of his hatrick with a cross/shot towards the backpost found its way into the back of the net.

The score could of been greater but x2 incidents occured that we shall not speak about…. Joe and Johnny 🙈🙈🙈🙈

Overall a great 3 points to get us off the mark 👏🏻

All the best to Stenhousemuir for the rest of the season 🤝

MOM voted for by the committee was Kieran Mcmahon, proudly sponsored by David Milloy - Independent Mortgage Adviser 💙

10/08/2026

Finding the right mortgage doesn't need to feel overwhelming. 🏡

Whether you're buying your first home, moving house or reviewing your protection, having independent mortgage advice can make the process much clearer.

Since 2007, we've helped first-time buyers, homeowners and property investors find mortgage and insurance solutions tailored to their individual circumstances, with friendly, professional guidance throughout.

Learn more about how we can help at https://bit.ly/4fwIUXI

06/08/2026

Everyone remembers buying their first home. 🏠

While it's an exciting milestone, understanding deposits, lender requirements and mortgage options can feel like a lot to take in.

Our role is to guide first-time buyers through every stage of the mortgage process, helping you understand your options and supporting you from application through to completion.

Find out more at https://bit.ly/3RKrw8x

15/06/2026

Unlock the value in your home 🏡

If you’re aged 55 or over, an equity release mortgage could let you access tax-free cash from the value of your home without having to move.

You could use the money for:

* Home improvements
* Helping family members
* Paying off existing debts
* Supplementing retirement income
* Funding travel or other personal goals

Important information

Equity release will reduce the value of your estate and may affect your entitlement to means-tested benefits. Interest is typically added to the loan over time unless repayments are made.

Contact us today to find out if equity release is the right option for you.

David Milloy
DMFS Ltd

T: 01259 762302
M: 07917 820587
E: [email protected]
W: dmilloyfinancial.co.uk

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

12/06/2026

Found your dream home? Closing date set? 🏠

Make sure your mortgage is ready before you place your offer.

We help first time buyers and home movers secure the right mortgage quickly, giving you confidence when it matters most.

Get in touch today to discuss your options.

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

Address

78 Stirling Street
Alva
FK125EA

Telephone

+441259762302

Website

http://www.dmilloyfinancial.co.uk/

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