Stephanie Coyne Independent Mortgage Broker

05/11/2026

The Monetary Policy Committee voted 8-1 to raise the interest rate to 4%.

Find out more: https://www.bankofengland.co.uk/monetary-policy/the-interest-rate-bank-rate

04/11/2026

Do you want to offer your employees a benefit that costs you £0...but could save them thousands?

I speak to a lot of local business owners who offer a pension and maybe private health care.

But none of them offer a Mortgage & Protection Review for their team.

Here's why you should:

1. Your team are probably under-protected
If a key employee is off sick long-term, what happens? If they have no sick pay plan this leads to financial stress so they come back too early or leave altogether. Income protection can help provide an income if they are unable to work due to illness or injury.

2. Your team are probably overpaying
It’s my job to check the market for the most suitable deals. Many don’t check at renewal and just stay with their existing lender when they could be missing a more suitable deal.

3. It costs you nothing
I come in (in-person or on Zoom), do a 30-min, no-obligation review for each employee. No cost to you. No cost to them unless they choose to proceed.

4. It makes you stand out as an employer
In a market where everyone struggles to hire and retain staff, offering a free financial wellbeing clinic is a real stand out.

I work with accountants, solicitors, builders, trades firms, care homes, hotels - any local business with staff!

If you run a business in the Highlands and want to offer this to your team give me a message!

It’s the easiest staff benefit you’ll ever offer.

Stephanie | Calluna Financial
Mortgages & Protection | Nairn, Highlands



Calluna Financial is authorised and regulated by the Financial Conduct Authority. As with all insurance, conditions, exclusions and underwriting apply.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

30/10/2026

Calling all NHS, private healthcare & medical professionals in the Highlands...

Doctors, Nurses, Paramedics, Dentists, Vets, Midwives, AHPs - getting a mortgage should be easier for you.

But shift work, bank work, locum income, and newly qualified status can make high street banks say no or offer less than you expected.

I have helped lots of medical professionals and I use lenders who actually understand how you get paid:

• Enhanced borrowing - Some lenders offer up to 6x income for qualified doctors/dentists (subject to criteria)
• Newly qualified? - Some lenders accept newly qualified doctors on a permanent contract with no 3/6 month payslips needed
• Shift & bank work - Overtime, enhancements, locum income and bank shifts can often be included
• Student loan? - Lenders who are kinder on student loan deductions
• Low deposit? - 95% / 98% / Track Record (0% deposit) options still available for medical staff

Whether you're FY1 to Consultant, newly qualified nurse, or a locum GP - you shouldn't have to explain how the NHS pay scale works to get a mortgage. Let’s have a chat!

📞 07710736951
📧[email protected]

Calluna Financial is directly authorised & regulated by the FCA. All lending subject to criteria & affordability.
*YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS TO YOUR MORTGAGE*

27/10/2026

Newly self employed or have you been told you can't get a mortgage, or you can only borrow "x" because your accounts show low profit - your bank isn't looking at the full picture.

Lenders treat self-employed income very differently, and most high street banks just take the lowest number.

Here's what I look at instead:
Sole trader/Partnership - latest 1-2 years net profit, plus some lenders use latest year only
Ltd Company - salary + dividends, OR salary + share of net profit (can be much higher)
CIS/Contractors - day rate x 48 weeks, not just your SA302
1 year's accounts? Some lenders will consider it with 12 months trading!

Just because one lender says no, doesn't mean they all will. I check 90+ lenders to find the one that counts your income properly.

If you're self-employed and thinking about buying or remortgaging in the next 6-12 months, let’s chat about what numbers lenders will actually use from your accounts!

Tag your self employed friends on send this post to them 👩‍💻

📞07710736951
📧[email protected]

*YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.*

26/10/2026

Deposit holding you back? Get in touch to discuss your options! 📞 07710736951

🙌 Low Deposit Options 🙌

👇 Get in touch to find out what one would be appropriate for you!
📞 0141 640 09000
📩 [email protected]
📲 send us a dm!

25/10/2026

Why use a mortgage broker instead of going direct to your bank?

Your bank can only offer you THEIR deals. I can check 90+ lenders for you.

I recently had a client ask me, ‘why wouldn’t I just go directly to my bank?’

Incase you didnt know here are just a few benefits of using a broker:

1. I save you time, money & stress
I compare rates, fees, and incentives, handle the paperwork, chase the lender & solicitors, and flag issues before they become problems. You get to get on with your life.

2. More choice = better chance of a yes
I have access to high street banks, plus specialist lenders for self-employed, bad credit history, low deposit (like Track Record, 95%, 98%) and complex income. If one lender says no, I have other options to try.

3. It's about more than just the lowest rate…
The cheapest rate isn't always the cheapest mortgage once fees, early repayment charges, and flexibility are factored in. I find the right fit for YOUR plans - whether that's overpayments, moving again soon, or buying your first home.

And I stay with you after completion for product transfers, protection, and any questions.

Thinking about buying, remortgaging or just want to see what you could borrow? Let’s have a chat!

📞07710736951
📧[email protected]

*YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE*

Calluna Financial is directly authorised & regulated by the FCA. I may receive commission from the lender and may charge a broker fee which I will confirm upfront in our initial chat.

19/10/2026

When should you speak to a mortgage adviser?

Honestly, before you even start looking online at houses…

I have this chat with buyers too often:

They find their dream house, book a viewing, fall in love with it... then come to me and we look at their situation and find that house was £40k over what they could actually borrow.

It's heartbreaking.

Speak to an adviser before you start house hunting when:

1. You're THINKING about buying in the next 6 months
We can look at your deposit, your income, your credit file — and tell you what's actually possible. Then you have a real budget to search with.

2. Before you book any viewings
Estate agents will ask for an Agreement in Principle. If you have one from me, they know you're a serious buyer. In this market, that matters.

3. Before you change anything big
New job? Gone self-employed? Taken on a car finance? Thinking of opening that 0% credit card for furniture? Tell me first. It could affect what you can borrow.

A 20-minute chat now saves you months of looking at the wrong houses on Rightmove.

If you're starting to even think about buying give me a message.

07710 736951 | [email protected]

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

15/10/2026

Is your remortgage due in the next 6 months? Don't get caught out - act now! 🏡

If your current deal ends before April, now is the time to look!

You can usually lock in a new rate up to 6 months early, so you avoid rolling onto your lender's Standard Variable Rate (which is almost always higher). 📈

But Steph what if the rates drop between now and April?!!

If the rates drop between now and April I simply switch you to the lower rate.

However, if rates rise then you have secured the current rate and we don’t need to do anything! Let me do all the hard work… 👩🏻‍💼

It takes 10 minutes to check what might be available to you.

Just call or drop me a message with your end date and I’ll let you know when we should get things moving.

📲 07710 736951 | [email protected]

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

14/10/2026

Productive time working at the Highland Fox Hub this morning 👩‍💻🫶🏻 the space is beautiful! It also helped to get out of the house away from distractions (🐶) to finally get the dreaded admin work done! Nice way to get out and chat to others who work remotely too👏🏼