Jack Morrison
8 Feb 2026Great Experience helping us get our mortgage and insurances organised. Lauren was exceptionally great. Super friendly, and professional. Highly recommend to anyone getting mortgage advice. Thanks again Lauren.
Award Winning Mortgage Brokers is an FCA-regulated mortgage broker based in East Ayrshire, KA1 1HA, specialising in Residential. Rated 5/5 from 163 reviews.
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Meet our experienced team of mortgage professionals
Jack Morrison
8 Feb 2026Great Experience helping us get our mortgage and insurances organised. Lauren was exceptionally great. Super friendly, and professional. Highly recommend to anyone getting mortgage advice. Thanks again Lauren.
Kenneth Richmond
5 Nov 2025I can’t thank Iain and Alison enough. Their friendliness, patience and support — combined with the convenience of their online documentation portal — made the entire process simple and completely stress-free for both my mortgage and home insurance. I would gladly recommend Monarch to others and look forward to using their services again in the future.
Euan Leckie
16 Oct 2025I can’t recommend Monarch Financial Services highly enough. Google needs more stars!! Special thanks to both Iain and Caitlin for all their help and assistance throughout the whole process. An extra special thanks for the wee unexpected surprise as well, it was not necessary but very much appreciated. Thanks guys
Kara
31 Jul 2025I can’t recommend Iain highly enough! From the very beginning, he was friendly, knowledgeable, and genuinely cared about helping our family find the best possible mortgage and has been helping my family for many years now! He went above and beyond answering all our questions (no matter how small), explaining everything clearly, and guiding me through each step of the process with patience and care. Thanks to his hard work and expertise, I secured a great deal, and the whole experience was so much less stressful than I expected. It really felt like I had someone in my corner the whole way through. If you’re looking for someone you can trust who truly has your best interests at heart, look no further than Monarch Financial Services. I am so grateful for everything they’ve done for me and my family!
calum murdoch
21 Jul 2025🌟 Excellent Service—Year After Year! This is the third time I’ve worked with Monarch Financial Services—two initial mortgages and now a second remortgage—and somehow their service keeps getting better! Alison and Iain handled everything with professionalism and ease, even when I mistakenly turned up at the office for a Zoom meeting! 😄 Their attention to detail and friendly support made the process smooth from start to finish. Brilliant service yet again, and I’ve no doubt I’ll be back in two years. Highly recommend!
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Regulatory Status
Direct Authorisation
FCA Number
937276Practical guides and explainers from our blog — relevant to this mortgage type.

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Mortgage118 is an independent broker directory — not a mortgage broker or lender — and does not provide mortgage advice. All brokers listed hold their own individual FCA authorisation; always verify a broker's status on the FCA Register. Important: Your home may be repossessed if you do not keep up repayments on your mortgage, and you should think carefully before securing other debts against your home. Mortgage118 does not charge consumers. If you have a complaint about a mortgage broker, contact the Financial Ombudsman Service. Mortgage brokers are not covered by the Financial Services Compensation Scheme (FSCS) for mortgage advice — check with your broker directly about their professional indemnity insurance. Mattison Elm Ltd trading as Mortgage118 — Company No. 09831228 — Registered at 7 Bell Yard, London WC2A 2JR.
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