Trusted Insurance and Mortgage Broker in Scotland

Q: Can I port my mortgage?

Yes. Most mortgages are portable, meaning you can transfer your current deal to a new property. This can help you keep your rate and terms, but it’s not always guaranteed, so it’s wise to get expert advice early.

Q: How much deposit do I need to buy a home?

It depends. Deposit requirements vary depending on a few key factors: Your credit score The type of mortgage you're applying for The lender's specific criteria The larger your deposit, the better your chances of accessing lower interest rates and better terms. However, there are still options available with a smaller or no deposit subject to certain lenders’ T&Cs. Let us help you figure out what deposit works for you—and what options you actually have on the table.

Q: Can I get a mortgage if I’m self-employed?

Yes. You’ll usually need two years of accounts or tax returns. We help you prepare the right documents and match you with lenders who understand self-employed income.

Q: Do I need a perfect credit score to secure a mortgage?

No. While a strong credit score can unlock more options, many lenders offer solutions tailored for those with fair or even limited credit histories. We work with a comprehensive range of lenders to find a mortgage that fits your unique situation. Whether you're building credit or rebuilding, we can help you explore your options with confidence. Don't count yourself out—lean on our expertise and decades of experience. Speak to us today.

Q: Do I need life insurance with my mortgage?

It’s not legally required, but lenders strongly recommend it. Life cover protects your family by helping pay off the mortgage if anything happens to you. We help you find the right cover.

Q: What is income protection and do I really need it?

Income protection pays you a monthly amount if you can’t work due to illness or injury. It’s especially important for anyone without long-term sick pay and income earners in single income households. We ensure you get cover that fits your budget.

Q: Critical illness cover Vs income protection?

Critical illness cover pays a one-off lump sum if you’re diagnosed with a serious illness. Income protection pays you a monthly income if illness or injury stops you working. Many clients benefit from having both, and we guide you through the options that best match your needs and budget.

Q: Can I get Income Protection if I work in a dangerous job?

Yes, you can. Some insurers cover higher-risk occupations such as construction, offshore work, emergency services, people who work at great heights, farmers, etc. The terms and premiums may differ, but cover is still possible. We match you with the providers most suited to your role so you can protect your income with confidence.

Welcome To Mark One Financial Services

Mark One Financial Services is a Hamilton-based Mortgage Broker providing clear, regulated mortgage and insurance advice. We help aspiring and existing homeowners secure the right mortgage solutions with confidence. With over 18 years of industry experience, we guide you through every stage of the process, from Agreement in Principle to completion and beyond. We’ve got your best interest at heart.

Get Started

Our Services

EXCELLENT

Based on 176 reviews

James Clifford

Mark sorted out my insurance policy, moving from one that was needing updated to to my change in health, it was done with no hassle whatsoever 10/10.

Michael Eldridge

Mark provides a fantastic service, is always happy to talk things through & offer advice. He got me a great deal on my mortgage & was really helpful throughout the buying process, would thoroughly recommend his services

Sarah McCord

Mark was fantastic he sorted everything for our new home from finding a solicitor, assessing our finances, procuring the best mortgage and insurance deals. He was very attentive seeing to our every need and working the meetings around our busy work schedules. I could not recommend him enough.

ANDREW WATT

An outstanding service from a great company . Mark and Carol were so helpful from start to finish with putting in place my mortgage and accompanying products .Would definitely recommend this company without a shadow of a doubt 👍.

Ian anderson

Top class service , very professional & mark is great guy to deal with , highly recommend 👍🏼

Nathan Woodling

Mark gave us great advice and helped us secure a good mortgage deal, with enthusiastic and positive support throughout. Thanks, Mark!

oczo81

Mark was fantastic and helped us save time and money. He keeps you updated all the time and always finds a good deal. Can't recommend him highly enough.

hazeldazzel83

Mark was so helpful, knowledgeable and efficient. I would highly recommend his services to anyone. Thank you!

Kerry Walters

Mark has been fantastic through our moving house process. From finding us a new mortgage, ensuring we have everything we need, he went above and beyond for us. Always professional , working around the clock. We would be lost with him and Carols expert advice throughout this whole process. Massive thank you for everything Mark and Carol. It really was our pleasure. Would highly reccommed Mark one financial services to EVERYONE!!!

Emma Greene

Mark is a fantastic and most helpful person I’ve ever met! He helped me buy my first house, helped dealing with all the legal and paperwork setting up all the things needed to run a house and getting you the best rates possible!!! He’s such a lovely person to talk to, not false or trying to rob you. Took all my stress away and if I ever needed help or get information or advice about anything he has always been very approachable, give you the correct and best advice. Goes above and beyond!! Never met someone so trustworthy!! Have had Marks help for nearly 10 years now and couldn’t have gotten my lovely house and mortgage deals etc without him. Honestly he is the best at his job and easy to talk to and will always help you with anything you need. Need more people like him in this world!! Mark you are the best and so grateful I have had all your help over the years!!! You will know instantly when you contact him for advice. Can’t say a bad thing about you, you’re the most kindness and knowledgeable person for advice!! Could go on and on haha 😛 love you Mark!!

Verified by Trustindex

Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

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

What We Do

Mortgage and Insurance Adviser Services

Helping you secure the right mortgage and protection solutions with expert, personalised guidance.

First Time Buyer Mortgages

Find the perfect mortgage to help you get on the property ladder.

Home Mover Mortgages

Move home with confidence using expert guidance from Mark One Financial Services.

Remortgage Advice

Need another arrangement or raising capital? Our team can help.

Product Transfers

Allows you to switch to a new mortgage deal with your existing lender, often without the need for a full remortgage.

Life Insurance cover

Life cover pays a lump sum or regular benefits if you die or are diagnosed with a terminal illness during the policy term.

Critical illness cover

Critical illness cover provides a cash sum or regular benefits if you suffer specific illnesses or undergo certain operations.

Income protection

Income protection pays you monthly if you lose your earnings if unable to work due to ill health or injury.

Building & Contents Insurance

Building and Contents Insurance covers damage to the property itself and the items inside it.

All Services

About Mark One Financial Services

Clear Mortgage and Insurance Advice for Your Next Step

We help people across Scotland make confident decisions about their mortgages and protection needs. Based in Hamilton, we specialise in clear, reliable and personal advice for first time buyers, home movers, remortgages, buy to let investors and families looking to protect their future.

We combine deep market knowledge with a friendly, supportive approach so you always feel informed, reassured and in safe hands.

We understand how the property market works, including closing dates, Home Reports, lender criteria, and affordability rules specific to Scotland and England.

Discover More

0 ⁺

Years of collective experience

0 ^%

Client satisfaction from google reviews

0 ⁺

Happy individuals, families, and companies served

Your Goals Are Our Top Priority.

Mark Duguid - Principal

Vision

To be Scotland’s most trusted mortgage and insurance advisory service, known for delivering clear guidance, exceptional customer care and reliable financial solutions that help people secure their homes and protect their families with confidence.

Mission

Our Process

4 Easy Steps to Achieve Your Goals

Our process is structured to ensure comprehensive analysis, strategic planning, and effective implementation for the best outcomes. To speed things along, we require that you are ready with all documents needed.

01

Get In Touch

We start by understanding your needs, goals and current financial position

02

Review & Assess

We analyse your documents, explore suitable mortgage and insurance options

03

Recommend Solutions

We present clear, tailored advice and handle the full application process for you

04

Ongoing Care

You get ongoing care with mortgage monitoring, reviews and dedicated after-sales care

We go the extra mile

Professionalism

100%

Client service

100%

Message From

Mark Duguid | Principal

At Mark One Financial Services, we pride ourselves on delivering a high level of professionalism and an insurance and mortgage broker service that always puts your needs first. We tailor our advice to suit your personal circumstances. We have arranged a large volume of mortgages across Scotland over almost two decades and have access to a comprehensive panel of lenders.

Whether you are a first time buyer, moving home, remortgaging, investing in buy to let, or looking for the right protection for you and your family, we guide you through every step with clear and reliable support.

You deserve a first class service and that is exactly what our team is committed to providing.