DFMDirect Financial
Management UK Ltd
Direct Financial Management UK

Your next chapter.
Expertly guided.

Personal mortgage and protection advice from David McGregor and the DFM team.

Explore your options
Illustrative Edinburgh-style sandstone homes in warm afternoon light
Your starting point

What brings you here today?

Buying a home

Reviewing my mortgage

Protecting my family

Protecting my business

Borrowing in retirement? Discover later-life lending →
Meet your team

Advice is personal.
So are we.

David provides mortgage and protection advice tailored to your circumstances. Elaine coordinates the administration of your application, keeping you informed throughout the process.

Get to know us →
Client experiences

In our clients’ words.

DFM helped me remortgage my home, and I couldn’t be more impressed with their service and how easy they were to deal with. They were quick to respond to any requests for information and took the stress out of my mortgage application.

Riley

DFM went above and beyond to help us navigate a complex and challenging situation, making a stressful process feel manageable from start to finish. Their commitment to achieving the best outcome, even when things weren’t straightforward, was highly commendable. We’re incredibly grateful for all their hard work and support.

Helen

As first-time buyers, we had no idea where to start. David explained everything in plain English and was always happy to answer our questions, however small. Elaine kept us updated and helped us stay on top of the paperwork. Having someone guide us through the mortgage made the whole experience much less stressful. We’d happily recommend Direct Financial Management UK Ltd.

Ben

Our fixed rate was coming to an end, and we wanted to understand our options. David took the time to go through everything with us and explain how the different deals would affect our monthly payments. We never felt rushed into a decision, and Elaine kept everything organised throughout. Really pleased with the service, and we’ll be back when it’s time to review our mortgage again.

David
Business protection & employee benefits

Protection that starts with your people.

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How it works

Expert advice. Simply explained.

01

Understand

We establish your needs, plans and budget, review existing arrangements and explain our service and charges.

02

Recommend

We assess suitable options and explain our recommendation, including costs, benefits and important limitations.

03

Arrange & support

If you decide to proceed, we help with your application, supporting documents and progress through the process.

Guidance & tools

A little clarity before we talk.

Before we talk

Common questions

What happens in our first conversation?

We start with what you want to achieve and explain how our service works. You can ask questions about the process and charges before deciding whether to proceed. You do not need to know which mortgage or policy you want.

What will advice cost?

We explain our advice fees, any commission and when payment is due before you agree to proceed. The amount and payment terms will be set out in your service agreement.

Can you review cover I already have?

Yes. We can review existing arrangements alongside your current needs and explain any proposed changes. Keep existing cover in place while a review is carried out and until any replacement arrangements are confirmed.

Can I ask for a different way to communicate?

Yes. Tell us your preferred contact method or if a different format or more time would help. You do not need to include medical details in an initial enquiry.

Our professional partners

Help with your next move.

Find professional support for the property steps around your move.

View professional partners →

Let’s talk about your plans.

Buying, reviewing your mortgage or arranging protection? Tell us what you need help with.

0131 510 4350info@dfm-uk.com