Allan Johnston - Mortgage and Protection Consultant

05/01/2026

NEW YEAR, NEW HOME?

Happy New Year! 🗓️

We’re back in the office today and rushed off our feet for the next few weeks. Most people assume the property market hibernates until Easter, but we’re already seeing significant activity as serious buyers look to get ahead of the inevitable "spring rush." 🏴󠁧󠁢󠁳󠁣󠁴󠁿

Waiting for warmer weather is often a strategy for facing higher competition. The advantage belongs to those who are prepared right now.

Crucially, this means having your Decision in Principle (DIP) agreed upon before you start viewing. ✅

Securing your DIP early isn't just about knowing your budget or how much of a deposit you’ll need; it shows estate agents and sellers you’re serious about moving and not just a tire kicker that’s come to have a nosey around their house. proving you are ready to proceed immediately. When the right property appears, you can offer with confidence, quickly and with a higher chance of it being accepted whilst everyone else scrambles to get organised because they were “waiting for the right property to come up. 🤝

Don't just browse the market in 2026; be ready to act in it.

Due to high demand for start-of-the-year planning, we only have a few appointments remaining in the next few weeks. 📉

So if you’re serious about moving in 2026, and want to make sure you get your dream home when you see it give us a call on 07519836499 or drop us a DM and we’ll try our best to fit you in.

31/08/2025

17/06/2025

Apologies for the absence from social media recently. Been indundated with work so social media generally takes a backseat.

Last week alone I handled 27 new WhatsApp enquiries in a single day— that's how fierce the competition is out there.

Tomorrow at 09:00 I’m opening my diary to fill the last few weekday and evening appointments I've got left for June.

If you're serious about moving home now or in the near future, here's why you need to book in:

• I'll confirm exactly what you can borrow, based on current criteria
• I'll be on hand to help you throughout the house hunt, suggesting properties and advising on offering
• Having a mortgage in place lets sellers know you're serious. Even if you see your ideal place, they won't entertain your offer or viewing requests if you don't have the finance organised first.

If you’d like one of those final slots, fill in this form linked here or in my bio,(https://forms.gle/btuA4KSWG6DbUMGNA) or drop me a DM and I'll get you booked in.

I expect these slots will only last about a day or two, so if yer no fast, yer last.

18/10/2024

HAPPY NEW HOME DAY to my three lovely clients picking up their keys today🏠.

1) First time buyer finally getting her keys to a new place in Dundee after a previous purchase fell through✅.
2) A retirement interest only mortgage for a client looking for a bigger home in Carnoustie✅.
3) And another retirement interest only mortgage for a client looking to move to her dream home in Bridge of Allan✅.

Each case represents atleast 40 hours of work for us ⏰, often more so Fridays like these are always a good chance to look back at the hard work the clients, solicitors and ourselves have put in throughout the process.

I’ve currently got limited availability over the next few weeks, but if you’re looking to move getting an idea of your budget is the first step, and we’ve got access to over 90 lenders to help you get your foot one step up on the property ladder.

Give me a call on 07519836499 or drop me a message to open the doors to your dreams.

17/09/2024

An absolutely fantastic opportunity to come along to meet and network with the best businesses in Central Scotland.

A shedload of deals too from painting and decorating, interior design, mortgages and telecoms!

Give me a shout if you'd like to come along!

09/09/2024

Throwback to a few weeks ago for the Graham at Halo Homes night out.

It's a good job we're in the property business, because we wouldn't make it as singers if the Karaoke is anything to go by 🎤.

The team at Halo are smashing the market in Falkirk and Stirling at the moment, with Graham's property expertise 🏠 and Michelle's stunning photography 📸!

It's incredibly competitive if you're looking to move homes at the minute, but a good team will see you through. If you don't have your team yet, you know what to do 📱💬.

Mortgage advice: Allan Johnston - Mortgage and Protection Consultant
Estate Agency: Graham at Halo Homes
Photograpy Michelle Malone Photography
Bringing the Vibes: Conni's Couture Nails

04/09/2024

Absolutely delighted to be able to say I'll be sponsoring my former Co-Op Protegé Calum Ramsay for the upcoming season⚽️.

I've seen this boy do the Maradona 7 with a Broccoli 🥦, and he's even better with a baw! Good luck, Calum and Norries AFC!

𝗦𝗣𝗢𝗡𝗦𝗢𝗥𝗘𝗗

Calum Ramsay will be sponsored by Allan Johnston - Mortgage and Protection Consultant for the 24/25 season 🐌

Thanks for your support

11/06/2024

Looking to move this summer? Then you belong with me 🎤

Now I'm not saying Taylor swift knows who I am... But I'm definitely hard to miss 😂 🟣.

After spending Sunday singing my heart out, ive spent the week helping my clients see their dreams come true, especially home movers.

Here's how I can help:

First time buyers - Stop missing out on properties at closing dates. I'll ensure you've got access to the most amount of borrowings, with the least amount of deposit so you get your dream home. Even if you already have a DIP it could be for 30-100k less than you can get elsewhere, with a 5-10% larger deposit than what's required!

Home Movers - I get it. As much as you love your current property, you've outgrown it. You need a bigger garden, a newer kitchen, an extra bedroom even. With our 5* home movers service, find out what's possible to make your next purchase your forever home

Bad Credit - Been knocked back from another broker or bank due to bad credit? I have extensive knowledge in getting clients with poor credit scores mortgages. Find out what's possible when the banks have said no.

Just curious - navigating the world of mortgages is a minefield. Don't be afraid to drop me a message just to ask a question about anything relating to mortgages or insurance.

Call 07519836499 or message to book a coffee with me.

Until then, I'll be looking for more Taylor swift tickets 🌟

17/05/2024

Today's view on the drive back home ☀

Thank you all for your enquiries this week. The next few weeks are incredibly busy. Despite this, my phone is always on! 📞

But just taking a moment to appreciate everyone who I've helped with their mortgage, and the people that have referred their connections and loved ones to me too ❤️.

On days like this, it's hard to believe that I get to do this as a job. I'm blessed ☺️.

06/05/2024

😔STOP MISSING OUT ON BUYING A NEW HOME? GET AHEAD OF YOUR COMPETITION 😊

As if bank holiday's couldn't get any better I've spent my day helping clients have offers accepted for their dream homes.

So i've spent most of the day looking like this photo, booking them in to get their applications submitted. 😀

The market is extremely competitive at the moment with lots of closing dates, and all of the good properties being sold for over the market valuation. 🥊

But you don't need luck to get an offer accepted, at a closing date or during a viewing. 🍀

You just need to be prepared to get ahead of our competition. ⏩

For both of today's clients it was a case of finding a lender who would either:

Allow them to use all of their income towards their mortgage application (boosting their budget by 50K!)💰

or Finding a lender who wouldn't take into consideration their current loans credit cards as they'll be repaid before they move. 🟢

This allowed them to put their best foot forward when it come to offering. No more wondering "what if" we could borrow more, or "what if our offer was better" 🥇

And when you combine being better equippted when it comes to your mortgage with local market knowledge, and an expert bidding strategy. 🧠

🏡 Then YOU TOO could be 6 weeks away from moving into your new home. Just in time for the one day of summer we'll be due to get in July. 🏡

So if you're sick 😡 of missing out on your dream home,

Or you're looking for a competitive edge from the word go ✅

Then drop me a DM 📩 or call 07519836499. 📞

Your Friendly Neighbourhood Mortgage Adviser, covering Stirling, Clackmannanshire, Falkirk, Fife and Dundee.

I offer whole of market mortgage and protection advice.

Not just 9-5 appointments.

At a location that's convenient for you.

31/03/2024

STRUGGLING TO GET ON THE PROPERTY LADDER DESPITE EARNING GOOD MONEY? THEN THIS IS THE MORTGAGE YOU’VE BEEN WAITING FOR. 🔑

YOU COULD BUY YOUR FIRST HOME WITH JUST A £5,000 DEPOSIT.

This is perfect if you’ve got the earnings to allow you to buy your first home, but you can’t quite save the full deposit you’d need to buy your first home. 🏡

Or if you’ve been missing out on properties at closing dates, then this could be ideal for you too. Putting down a £5,000 deposit means you’d have more cash to compete at closing dates. You’ll never miss out on your dream home again.

Whether you’re looking to buy a property worth £100k or up to 500k, you would only need £5,000. That’s it! 🟢

How amazing is that?

You need to be a first-time buyer, or if there you’re applying as a couple then one of you needs to be a FTB. There’s no catch, and it works just like a regular deposit.

So if you’ve got a £5k deposit, and you’re looking to open the door to owning your first property then drop me a message, 💌 or call 01786 231600 📞.

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