Services

Q: Can I port my mortgage

Yes. Many 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.

Expert Mortgage and Insurance Services Built Around You

Clear Advice, Tailored Solutions, Real Results

When it comes to mortgages and protection insurance, you deserve guidance that is simple, transparent and aligned with your goals. At Mark One Financial Services, we combine over two decades of industry expertise with a personalised approach to help you secure the right mortgage and the right protection for your circumstances.

Whether you’re buying your first home, moving, remortgaging or strengthening your financial security with insurance, we make the process clear and support you from start to finish. Our advice is fully tailored, FCA-regulated and designed to give you confidence at every step.

Speak With Mark

Your Goals Are Our Top Priority.

Mark Duguid - Principal

Mortgage Services

First Time Buyers

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

Home Movers

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

Remortgages

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.

Contractor Mortgages

Private medical insurance provides you with peace of mind if you become ill with a short term medical condition.

Buy-to-let Mortgages

The right deal could lead to you securing your investment.

Other Mortgage Services?

Insurance Services

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.

Private Medical Insurance

Private medical insurance provides you with peace of mind if you become ill with a short term medical condition.

Need A Will or Power of Attorney?

Contact our sister company. Click to go to the Mark One Estate Planning website...

Leaving This Website

Other Protection Services?

Testimonials

What our valuable Clients say

Here are some reviews from our clients about us

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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!!

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FAQ

Frequently Asked Questions

This FAQ section includes frequently asked questions that can help provide clear and concise answers to your questions.

Can I port my mortgage

How much deposit do I need to buy a home?

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

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

Do I need life insurance with my mortgage?

What is income protection and do I really need it?

Critical illness cover Vs income protection?

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

Take the Next Step With Confidence

Let Mark One Financial Services guide you with clear advice and unwavering support. Your best mortgage or protection solution starts with one simple conversation.