Specialist Finance for Scottish Property Investors
Helping Scottish property investors secure the right finance for their deals.
Bridging finance, buy-to-let and development funding structured for speed, strategy and long-term portfolio growth.
About Us
Guidance.
Security.
Transparency.
Trust.
A little about me…
I help Scottish property investors and limited company landlords make well-informed finance decisions that support long-term portfolio growth.
Alongside advising clients, I am an active property investor myself. I understand how deals work in practice. Timescales, refurb costs, lender criteria and exit planning all matter when choosing the right finance.
My role is to look at the full picture before recommending a solution. Sometimes that’s bridging finance, sometimes buy-to-let, sometimes a refinance or a combination over time. The focus is always on what’s right for the client and the deal, not forcing a product.
I work with investors who value clarity and straight answers. You’ll understand your options, the trade-offs involved and how each decision fits into your wider strategy.
Advice is personal, structured and aligned to your goals, not a generic checklist.
Who I Help
Homeowners
First-time buyers, home movers, and those reviewing their mortgage. Clear advice, tailored solutions, and long-term suitability — without pressure or jargon.
Property Investors
Buy-to-let investors, limited company landlords, and portfolio owners. Specialist support for complex cases, including bridging and development finance.
Families
Mortgage and protection advice designed to provide stability and peace of mind, helping protect homes, income, and long-term plans.
Clear Finance,
Practical Advice.
Straightforward support across property finance and personal protection, depending on what you need.
Mortgages
I arrange mortgage solutions for property investors, limited companies and residential clients.
This includes buy-to-let, portfolio lending and refinancing, as well as residential mortgages where appropriate. I’ll explain your options clearly, set out the pros and cons and make sure the finance fits your situation and longer-term plans.
Protection
I also advise on personal protection for individuals and families.
This includes life insurance, critical illness cover and income protection. The aim is simple. To make sure the people who rely on you are financially protected if something unexpected happens.
Protection advice is clear, personal and based on your circumstances.
How I Work
1
Understand your needs
We start with a focused conversation to understand your goals, circumstances, and any complexities.
2
Source suitable options
I research the market to identify solutions that fit your situation, including specialist lenders where required.
3
Explain & agree
All options are explained clearly so you can make informed decisions with confidence.
4
Manage to completion
I handle the process from application to completion, keeping you informed throughout.
Calculators
These calculators provide general guidance only and do not constitute personalised mortgage advice.
Affordability Calculator
Quickly estimate how much you could borrow based on your income, deposit, and mortgage details.
Further Advance Calculator
Get an estimate of your monthly mortgage payments by entering the loan amount, interest rate, and term.
Stamp Duty Calculator
Find out how much Stamp Duty you’ll need to pay based on your property price and location.
Overpayments Calculator
See how making extra payments could reduce your mortgage term and total interest.
Payment Holiday Calculator
Thinking about pausing your payments? See how a payment holiday could affect your mortgage term and total cost.
Salary Calculator
Calculate your take-home pay after tax, National Insurance, and pension deductions.
Start With a Conversation
Every situation is different. A short conversation is often the easiest way to get clarity on what options are available and whether I’m the right person to help.
I work with property investors, limited company landlords and residential clients who want clear, straightforward advice before making a commitment.
There’s no pressure to proceed. Just an initial discussion to understand your plans and decide the best next step.
Your trusted partner for mortgages and protection, here to help you stay organised, secure, and confident in every financial decision. If you’d like to make your mortgage and protection journey simple and stress-free, just get in touch—I’m here to help.
Quick links
Legal
Legal
Your home may be repossessed if you do not keep up repayments on your mortgage.
Mortgages and protection products are subject to eligibility and lender criteria.
Equity release may reduce the value of your estate and affect your entitlement to means-tested benefits.
Buy-to-let mortgages are not usually regulated by the Financial Conduct Authority.
MJS Finance is a trading style of Freedom Financial. Authorised and regulated by the Financial Conduct Authority.
We are authorised and regulated by the Financial Conduct Authority. FCA number: 920865.
© 2026 MJS Finance Ltd . All Rights Reserved.