Free Mortgage Advice

Our business model is simple.   We provide great service to our cleints which results in us obtaining most of our new clients through referrals.  This means we do not incur any significant marketing or advertising costs and as such we do not have to charge our clients a broker fee for the service we provide.

About Us

Thank you for visiting our website.  My name is Ian McFarlane and I am the Principal Consultant with Bespoke Money.  I set up Bespoke Money in 2008 with the goal of continually exceeding client expectations in providing friendly and professional mortgage advice.  I am qualified to provide mortgage advice through obtaining the Financial Planning Certificate and also the Certificate of Mortgage Advice and Practice with the Chartered Institute of Bankers in Scotland.

Rachel McDonald is our Client Services Manager who works behind the scenes enhancing the client experience and managing the administrative functions within the firm.  Rachel has a wealth of customer service experience and is currently studying through The London Institute of Banking and Finance.

We are not tied to any particular lender and are a member of one of the UK’s largest networks which means we work from a comprehensive panel which is representative of the whole of the market.  We can also take advantage of market leading technology which is updated on a daily basis.  This is pretty important at present as over the past few years the mortgage industry has gone through dramatic changes.  Lenders are continuously changing their lending criteria and at times funding can be limited.  We work with first time buyers, people looking to move home, clients looking to refinance or just simply looking for a better deal.

How We Work

We will work whatever way suits you best.  Geographically, we are based in Carnoustie and serve clients all over the UK.  We will meet you at a time and place that is convenient for you.  Historically, clients would want us to meet them at their home but we are now finding more and more clients are happier to discuss mortgage options through a meeting on zoom or teams.  If you need to move quickly on a property or require to remortgage fast we can normally get a mortgage agreed in principle for you the same day.  Our philosophy is not just to provide a one-off mortgage advice solution, but to assist you throughout the term of your mortgage.

Mortgage Renewal Service – Are you coming to the end of your fixed rate?

Most lenders will allow us to access your new mortgage product options up to 6 months prior to your existing product expiring.  This will help you plan in a volatile market.

By reserving a new rate up to 6 months prior to your existing product expiring we can put a worse-case scenario in place for you.   We will then continue to review your options over the coming months and if rates fall, we will cancel the rate we have reserved and move you onto the new more efficient product.  This means you get the best rate available in the months leading up to your current rate expiring.

We feel this will improve your outcomes when your current rate is due to expire.   We do not charge you for this service.


Ian at Bespoke Money came highly recommended to us a few years back.  Over the past few years Ian has provided us with some great advice and made the whole process seamless.  The advice and support has become even more important recently as rates have become a bit of a worry.  It was really useful to do a few zoom calls throughout the process which gave me the opportunity to get some clarification on a few points.  Ian and Rachel kept us updated with the progress of our application and we were impressed to have everything approved and in place within a week or so.  We often recommend Ian to our friends and family who have used his services on numerous occasions.  It is easy to do so when he provides a great service and does not charge a broker fee.  Fantastic suport and service, thank you.  – Mr & Mrs Harrison  22/07/2023



I/We expressly consent to being contacted without prior notice or arrangement by using the contact details I/We have provided on the form and further consent that such contact may be in relation to (a) my/our mortgage arrangements and/or (b) other products and services.                                         Privacy Policy

Most Buy-to-Let Mortgages are not regulated byThe Financial Conduct Authority

Bespoke Money is a trading name of Bespoke Money (Scotland) Ltd who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Limited. First Complete Limited is authorised and regulated by the Financial Conduct Authority

Bespoke Money (Scotland) Ltd is registered in Scotland at Barry Business Centre, Main Street, Barry, Carnoustie, DD7 6GP (SC717775).

The guidence and/or information contained within this website is subject to UK regulatory regime and is therefore targeted at consumers based in the UK.

No fee will be charged for our mortgage advice service.  We will be paid a procuration fee from the lender.

This website is intended for people over 18 years of age who are resident in the UK only. The website and the information contained therein should not be regarded as an offer or solicitation to conduct business in any jurisdiction other than the UK. These pages provide generic information about various aspects of financial services advice that we provide. We hope they are helpful to you but they do not on their own add up to recommendations and we cannot take responsibility for anything you do in reliance on them without further discussion with us. Please do not make a decision based upon the information contained within these pages alone. Contact us for further advice to enable you to make an informed decision based upon your individual circumstances.

Barry Business Centre | Main Street | Barry | Carnoustie | DD7 7RP