Member of the Week - Munro & Noble Financial Services

M&N  Financial Services Ltd is an integral part of the Munro and Noble offering and is staffed by adviser, Hamish Malcolm, and administration colleague, Dawn Jones.

Since re-launching in May 2017 they have established a strong reputation for providing a one stop shop for a wide range of services in residential, Buy to Let and Commercial lending as well as whole of market advice for all areas of personal and business protection.

While it is not mandatory to also use Munro and Noble for legal services , many clients have found that their transactions have been much easier to manage when dealing with solicitor and financial adviser under the same roof.

We meet a lot of clients who may have started off down the wrong path for sourcing funding , perhaps through relying on the internet  or having assumed that the bank they might have used for their current account for years will necessarily be the best for their present lending requirement. It costs nothing to have an initial chat with us prior to committing to putting offers in for properties or land.

By dealing with a wide variety of lenders across all areas of finance, we are able to cut down on the time and effort to clarify which lender is best suited to meet the clients’ needs.

On almost a daily basis, we speak to clients who have not reviewed their life and related insurances for years ; and in many cases their needs now are very different from when they might have taken out cover years previously. Rather than just taking the approach of providing finance as a ‘commodity’ all of our clients are offered a free and no obligation review of their cover and recommendations on where they may have a shortfall.

The Buy to Let and Air BNB sector has been one where lenders requirements have changed a lot in recent years , and again clients can find it easy to stumble in to difficulties when sourcing finance on their own.

In the last 12 months, we have gained accreditation to advise on Retirement Interest Only Mortgages, and also have an excellent referral system in place for Equity Release ; both of which are growing areas where more mature clients need careful and professional guidance.

Munro and Noble Financial Services Limited has more than doubled their turnover in the last financial year and we are delighted to receive a steady stream of referrals from other professional advisers across the North of Scotland who appreciate the service we provide and the results we have produced for their clients. Many of these have been good enough to give testimonials on our website and linkedin page (they recently posted the first in a series of client case studies regarding life protection ‘Cover Stories’ across social media ; more to follow !)

Chamber of Commerce has always been a key part of our business development and networking efforts – from the regular breakfasts and lunches to the Annual events and specific one off events around Finance, which we were able to jointly work on.

Find out more about Munro & Noble's financial services here: munronoble.com/financial