# Mark One Financial Services

> Mortgage & Protection Advice


## Posts

- [LIFT Open Market Shared Equity Scotland: How OMSE Can Help You Buy a Home](https://markonefinancial.co.uk/lift-open-market-shared-equity-scotland/): Lift Open Market Shared Equity Scotland is not just for first time buyers, and that surprises a lot of people. The scheme, known as OMSE, has just reopened for applications after a pause, and it could be one of the most useful, and most overlooked, routes onto the property ladder in Scotland right now. If deposits and Home Report gaps have been putting you off buying, and you have not looked at OMSE, it is worth five minutes of your time. We covered the general deposit challenge facing Scottish buyers in our last article on first time buyer deposit Scotland, and […]
- [First Time Buyer Deposit Scotland: How Much Do You Actually Need?](https://markonefinancial.co.uk/first-time-buyer-deposit-scotland/): First time buyer deposits in Scotland calculations rarely stay as simple as they look on day one, and that tends to land at the worst possible moment, right after you have found a place you love. You have saved hard. You feel ready. Then a bright two-bedroom property in Lanarkshire goes on the market at offers over £145,000, with a Home Report of £150,000, you get excited, and three weeks later it sells for £15,000 more than the Home Report value. If that sounds familiar, keep reading, because understanding why it happens helps you budget properly and avoid getting caught out […]
- [Essential Insurances for The Year: Income Protection](https://markonefinancial.co.uk/essential-insurances-for-the-year-income-protection/): We complete our 3-part essential insurances series by further highlighting the value of income protection this year. Let’s dive deep on the critical benefits and some alarming facts! Guarding Your Greatest Asset – Income! As sci-fi novelist William Gibson famously said, “The future is already here – it’s just not evenly distributed”. How right he was. Similarly, your single most valuable personal asset – ability to earn – is inconsistently protected. Income protection insurance fills this gap by supplying replacement pay when you’re off work. According to the Office of National Statistics, between June and August 2022, 2.5 million Brits reported […]
- [Essential Insurances For The Year: Critical Illness Insurance](https://markonefinancial.co.uk/essential-insurances-for-the-year-critical-illness-insurance/): Welcome to part 2 of our 3-part series on essential insurances for the year. In Part 1, we discussed life insurance. Now we continue the series by examining critical illness cover. Let’s dive in! What is Critical Illness Insurance? Critical illness insurance provides financial protection in case you are diagnosed with certain serious medical conditions. Unlike life insurance that pays out when the policyholder dies, critical illness cover pays while you are still alive after receiving a qualifying diagnosis. Policies typically pay out lump sums if diagnosed with major illnesses defined in the contract. This type of insurance aims to alleviate […]
- [Essential Insurances For The Year: Life Insurance](https://markonefinancial.co.uk/essential-insurances-for-the-year-life-insurance/): Over a 3-part series, we’ll discuss the essential insurances that every UK family should have. We’ll start with the not-so-thrilling but utterly important topic of life insurance. We’ll explain what it is, why you need it, and how to pick the right policy so you can get back to more interesting things…like scrolling through social media and scoping out summer vacation destinations. What is Life Insurance? Life insurance is like a safety net that keeps your family from free-falling into financial oblivion if you meet your maker unexpectedly. Morbid, but true. This insurance pays out a lump sum if the unimaginable […]
- [A Real-Life Income Protection Success Story: Paul’s Journey](https://markonefinancial.co.uk/a-real-life-income-protection-success-story-pauls-journey/): In February 2023, we received a powerful testimonial from Paul, a self-employed electrician. His real-life example illustrates an income protection success and why it’s of critical importance. Let’s revisit Paul’s experience and see how the right financial decision made a world of difference during a challenging time. The Initial Consultation: A Decision That Made All the Difference Back in August 2021, Paul came to us with the intention of taking out a critical illness policy. However, after a few probing questions from our principal advisor, Mark, it became clear that income protection would be a more comprehensive solution for Paul’s situation. […]
- [Unlocking Mortgage Affordability: Tips for Scottish Buyers](https://markonefinancial.co.uk/unlocking-mortgage-affordability-tips-for-scottish-buyers/): Dreaming of owning your own home in Scotland? The journey to homeownership may seem daunting, but with the right guidance and strategies, it’s more achievable than you might think. In this article, we’ll explore practical tips and insights to help Scottish buyers unlock mortgage affordability and step onto the property ladder with confidence. Tips for Enhancing Mortgage Affordability A healthy credit score is helpful when applying for a mortgage. Lenders use it to assess your creditworthiness and determine your interest rate. To improve your score: Saving for a larger deposit not only increases your chances of mortgage approval but also allows […]
- [Guide to Understanding Family Income Benefit](https://markonefinancial.co.uk/guide-to-understanding-family-income-benefit/): Lying awake, wondering “What if?” It’s a fear that grips many. What would happen to your family if tragedy struck? How would they get by without your income? Enter Family Income Benefit insurance – a policy purpose-built to soften the blow. What is Family Income Benefit? What is this unique coverage? Family Income Benefit (FIB) provides a monthly income stream to beneficiaries upon the policyholder’s passing. Not just a single lump sum. But scheduled payments stretching years into the future. Helping your loved ones tread water as the storm of loss rages. The brightside of the darkest ‘What if.’ That’s the […]
- [Relevant Life Plan: Smarter Life Insurance, TAX-FREE!](https://markonefinancial.co.uk/relevant-life-plan-smarter-life-insurance-tax-free/): As a director you are no stranger to the challenges of running a successful business. You’re constantly juggling a million different tasks, from managing your team to keeping an eye on your bottom line. But amidst all the chaos, there’s one thing you can’t afford to overlook: protecting yourself and your loved ones with the right life insurance. And let me tell you, one of the most effective tools to accomplish this that I’ve come across is the Relevant Life Plan (RLP). Now, I know what you might be thinking – “Life insurance? Isn’t that just another expense I can’t afford […]
- [Mortgage Rates Fall Raises Hopes for Homebuyers in 2024](https://markonefinancial.co.uk/mortgage-rates-fall-raises-hopes-for-homebuyers-in-2024/): Has this year’s volatile property market left you with more questions than answers about when to buy? After bearing witness to mortgage rates spiraling up then trickling down again, making big financial decisions feels harder than ever. But hold out hope for 2024’s housing outlook. Early data suggests declining rates could offer homebuyers major savings in the year ahead. Keep reading to find out how cooling inflation could help you cash in on better mortgage deals than expected. This article will explain the top factors that could see rates dip under 5% again soon. It will also share tips for securing […]
- [Client Success Story: £133k Critical Illness Payout](https://markonefinancial.co.uk/client-success-story-133k-critical-illness-payout/): In the realm of financial planning, the decision to secure critical illness coverage can be a pivotal one, as demonstrated by the inspiring story of our clients. To maintain their privacy, we will refer to them as Mr and Mrs Johnson. Initially hesitant about obtaining critical illness coverage, their lives took an unexpected turn, underscoring the profound impact of such policies. This article highlights their journey that has seen them receive a £133k critical illness payout. The Beginning: Hesitation Turned to Gratitude When the Johnsons first approached us, the idea of critical illness coverage felt like an unnecessary expense. Like many, […]
- [Income Protection is your safety net in uncertain times](https://markonefinancial.co.uk/income-protection-is-your-safety-net-in-uncertain-times/): In a world where the unexpected is the norm, securing your financial future is not just prudent; it’s essential. Shockingly, 41% of Brits lack the financial cushion to sustain themselves for even a single month without a regular income, according to Finder.com statistics ( This statistic underscores the urgent need for income protection—a safeguard that extends beyond mere insurance; it’s your financial lifeline when the storms of financial hardship hit. For a substantial portion of the population, the abrupt loss of income can have catastrophic consequences. It’s not merely about paying bills; it’s about upholding your quality of life, keeping a roof over […]
- [Why Should I Get Critical Illness Cover?](https://markonefinancial.co.uk/why-should-i-get-critical-illness-cover-ii/): In life, we all hope for the best, but it is wise to prepare for the unexpected. Critical illness cover can be your financial safety net when health takes an unexpected turn. Let’s delve deeper into why this type of insurance is essential for individuals living and working in the UK. Understanding Critical Illness Cover Critical illness cover is designed to provide a financial cushion in the event that you are diagnosed with a serious illness. It offers a payout that can be used for various purposes, making it a vital part of your financial plan. Here’s how it can benefit […]
- [It’s Income Protection Awareness Week](https://markonefinancial.co.uk/its-income-protection-awareness-week/): On day 3 of this third annual Income Protection Awareness Week (IPAW), I want to shine a light on the topic in focus, Income Protection. As the Principal of Mark One Financial Services with over 15 years of Financial Services experience, my career has been devoted to assisting people in securing their financial futures. One great avenue to achieve this is through Income Protection. As we step into the winter months and into 2024, it is important to keep the conversation about Income Protection going as fresh faces join the workforce, and seasoned generations either retire or embark on their journey […]

## Pages

- [Thank You](https://markonefinancial.co.uk/contact/thank-you/): Thank You Contact Thank You Thank you for your enquiry. We will be in touch with your shortly. in the meantime, feel free to see our other services and read our blog.
- [Contractor Mortgages](https://markonefinancial.co.uk/services/mortgages/contractor-mortgages/): Get specialist guidance for Contractor Mortgage to secure a flexible mortgage with confidence as a contractor.
- [Home Mover Mortgages](https://markonefinancial.co.uk/services/mortgages/home-mover-mortgages/): Home mover mortgage advice. Port your mortgage, switch lenders, and move home with confidence using expert guidance from Mark One Financial Services.
- [Will Writing](https://markonefinancial.co.uk/will-writing/): Will Writing Home Will Writing Please be aware that you are leaving the Mark One Financial Services website Wills & Estate Planning are not regulated by the Financial Conduct Authority and we are not authorised via PRIMIS Mortgage Network to advise on them, they will be referred to our separate legal entity to advise on them. CONTINUE TO MARK ONE ESTATE PLANNING
- [Complaints](https://markonefinancial.co.uk/complaints/): Complaints procedure Home Complaints Mark One Financial Services is a trading name of Mark Duguid, is an Appointed Representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading name of First Complete Ltd which is authorised and regulated by the Financial Conduct Authority. We are committed to providing a professional service to all our customers. If you are unhappy then we want to hear about it so we can try to put things right. With this in mind, we have the following complaints procedure in place. You can make a complaint by any reasonable means including telephone, letter, or email. Our […]
- [Accessibility](https://markonefinancial.co.uk/accessibility/): Accessibility Home Accessibility Mark One Financial Services is committed to making changes and improvements that are mindful to people with disabilities, and will continue to develop this site to suit all needs. Text Size You can change the text size on our site to make it either larger or smaller via your browser settings.  Some browsers allow you to magnify the whole page.  To change the text size, follow the instructions below depending on which browser you are using. Internet Explorer Select ‘ctrl’ and + (plus) or ‘-‘ (minus) to adjust The text size should change to reflect your choice Firefox Click ‘View’ […]
- [Future Relationship Statement](https://markonefinancial.co.uk/future-relationship-statement/): Future Relationship Statement Home Future Relationship Statement Our ongoing business relationship with you is important and we would like to be able to contact you by telephone, post or email from time to time to review your mortgage and associated protection product arrangements and introduce other services that may be of interest to you from ourselves or our associated companies.
- [Data Protection Declaration](https://markonefinancial.co.uk/data-protection-declaration/): Data Protection Declaration Home Data Protection Declaration Mark One FInancial Services and First Complete will process all information in accordance with the Data Protection Act 1998 and it will be treated as private and confidential now and in the future. The only exceptions to this will be when the law requires us to disclose information or, with your consent, where disclosure is necessary when arranging or servicing your mortgage or protection contracts. To fulfill our regulatory obligations, we will retain copies of your records for no longer than is necessary or for the duration of the contract. You have the right […]
- [Cookie Policy](https://markonefinancial.co.uk/cookie-policy/): Cookie Policy Home Cookie Policy What are cookies? A cookie is a small file which is placed on your computer’s hard drive when you visit a website. They are widely used in order to make websites work, or work more efficiently, as well as to provide information to the site owners, such as which pages you find useful or not. A web browser normally deletes session cookies when it quits. A cookie does not give us access to your computer or any information about you, other than the data you choose to share with us.  Cookies are used on this site […]
- [Privacy Statement​](https://markonefinancial.co.uk/privacy-statement/): Privacy Statement Home Privacy Statement Customer Privacy Notice Mark One Financial Services is a trading name of Mark Duguid, is an Appointed Representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading name of First Complete Ltd which is authorised and regulated by the Financial Conduct Authority. Why are we asking you to read this document? During the course of dealing with us we will ask you to provide us with detailed personal information relating to your existing circumstances, your financial situation and, in some cases, your health and family health history (Your Information). We would like to explain to you what […]
- [Private Medical Insurance](https://markonefinancial.co.uk/services/insurance/private-medical-insurance/): Private medical insurance in Scotland. Faster access to diagnosis and treatment with tailored cover from Mark One Financial Services.
- [Buildings and Contents Insurance](https://markonefinancial.co.uk/services/insurance/buildings-and-contents-insurance/): Buildings and contents insurance in Scotland. Protect your home and belongings with clear, advised cover from Mark One Financial Services.
- [Income Protection](https://markonefinancial.co.uk/services/insurance/income-protection/): Income protection in Scotland. Secure a regular income if illness or injury stops you working with tailored advice from Mark One Financial Services.
- [Critical Illness Cover](https://markonefinancial.co.uk/services/insurance/critical-illness-cover/): Critical illness cover in Scotland. Protect your income, mortgage, and family with expert advice and tailored protection from Mark One Financial Services.
- [Life Insurance Cover](https://markonefinancial.co.uk/services/insurance/life-insurance-cover/): Life insurance cover. Protect your family and your mortgage with tailored advice and clear guidance from Mark One Financial Services.
- [Product Transfers](https://markonefinancial.co.uk/services/mortgages/product-transfers/): Product transfer mortgage advice in Scotland. Compare lender switch options and secure the right deal with Mark One Financial Services.
- [Buy-To-Let Mortgages](https://markonefinancial.co.uk/services/mortgages/buy-to-let-mortgages/): Buy-to-Let mortgage advice in Scotland. Expert guidance for landlords, investors, and portfolio owners from Mark One Financial Services.
- [Remortgages](https://markonefinancial.co.uk/services/mortgages/remortgages/): Remortgage advice in Scotland. Reduce payments, secure better rates, or release equity with expert support and mortgage monitoring from Mark One Financial Services.
- [Insurance](https://markonefinancial.co.uk/services/insurance/): Clear, fully advised insurance solutions in Scotland. Get expert help with life insurance, income protection and critical illness cover.
- [Mortgages](https://markonefinancial.co.uk/services/mortgages/): Expert mortgage advice in Scotland from an experienced adviser. Helping you secure the right deal.
- [First Time Buyer Mortgages](https://markonefinancial.co.uk/services/mortgages/first-time-buyer-mortgages/): First time buyer mortgage advice in Scotland. Clear guidance on deposits, affordability, lender options and government schemes. Stress-free support from start to keys.
- [Contact](https://markonefinancial.co.uk/contact/): We would love to talk with you about Your Goals. Contact us today for clear, honest, and effective advice.
- [Blog](https://markonefinancial.co.uk/blog/): Blog Home Blog Blog & News Featured News and Insights Read our latest updates and news. We publish fresh content periodically so be sure to check back often. edit post Insurance A Real-Life Income Protection Success Story: Paul’s Journey 19/12/2025 edit post Mortgages Unlocking Mortgage Affordability: Tips for Scottish Buyers 19/12/2025 edit post Insurance Guide to Understanding Family Income Benefit 19/12/2025 edit post Insurance Relevant Life Plan: Smarter Life Insurance, TAX-FREE! 19/12/2025 edit post Mortgages Mortgage Rates Fall Raises Hopes for Homebuyers in 2024 29/12/2023 Take the Next Step With Confidence Let Mark One Financial Services guide you with clear advice […]
- [FAQ](https://markonefinancial.co.uk/faq/): This FAQ section includes frequently asked questions that can help provide clear and concise answers to your questions.
- [Services](https://markonefinancial.co.uk/services/): Our advice is fully tailored, FCA-regulated and designed to give you confidence at every step. See our services.
- [About](https://markonefinancial.co.uk/about/):   About Home About The Mark One Financial Services Story Where Experience Meets Integrity Mark One Financial Services was founded in 2008, but the foundations were laid many years earlier. Before launching Mark One Financial Services, Mark Duguid started his career inside the banking world, working for Bank Of Scotland International Division. In 2005, Mark took the decision to pursue a career as a mortgage adviser and joined the Remax Mortgage Network. During that time, he was recognised as Top Mortgage Adviser in the network 3 years in a row! In the period with Remax, he helped clients navigate mortgages and […]
- [Home](https://markonefinancial.co.uk/): Mortgage broker in Scotland providing clear mortgage and insurance advice. First time buyers, remortgages, home movers, protection cover, and more

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