Your let and your mortgage, looked at together.
Your letting agent sees the tenancy. Your mortgage adviser sees the borrowing. With All Under One Roof, O’Malley Property manages the let and Calluna Financial can advise on the mortgage, so the two can be reviewed side by side.
Feefo reviews are collected independently from verified customers only. Registration on the Scottish Letting Agent Register is a legal requirement to let and manage property in Scotland.
Where the gaps usually appear.
When the let and the borrowing against it are handled separately, it is often left to you to connect them.
A rate end date can slip by
If nobody is tracking your deal end date, you may only notice when the payment changes.
You can end up chasing
Rent questions and borrowing questions often mean separate calls to separate firms.
You repeat your portfolio details
A new adviser may need your whole portfolio explained from the start.
The difference is what happens between the two.
Same property. Same tenant. Two very different experiences of owning it.
Agent finds a tenant and collects the rent.
Broker arranges the mortgage, then moves on.The deal end date is left for you to track.
Repair, void or rent question goes to one firm.
Borrowing question goes to another, who asks what the rent is.
The fixed rate ends.You find out when the payment changes.
O’Malley Property manages the let. Calluna Financial can advise on the lending.
On Plus, your deal end date is recorded and reviewed.So it is not left to memory.
One named landlord contact for anything to do with the property.
With your permission, rent figures can be shared with your adviser when borrowing is reviewed.
On Plus, you are contacted before the rate ends, not after.
Independently reviewed, not self-declared.
Feefo invites reviews only from customers who have completed a transaction with us.
Choose the support your portfolio needs.
Both packages combine day-to-day management with mortgage expertise. The difference is whether your borrowing is reviewed alongside the let.
CORE
- Tenant find, referencing and move-in
- Rent collection and management
- Maintenance coordination
- Named landlord point of contact
- Mortgage advice when required
PLUS
- Ongoing mortgage management
- Annual portfolio strategy review
- Remortgage and product monitoring
- Protection reviews as needs change
- Priority Calluna adviser access
Mortgage and protection advice is provided by Calluna Financial. Your initial consultation is free. Buy-to-let mortgage advice carries a fee of £450, rising to £599 for portfolio landlords with three or more properties. A product transfer is £99, or £299 with capital raising. Your adviser will confirm which fee applies, and why, before any chargeable work begins. Calluna may also receive commission from the lender or insurer. Most buy-to-let mortgages are not regulated by the Financial Conduct Authority. Subject to status and lender criteria.
What actually happens at a landlord review.
Forty-five minutes, at the property or at our office, with no obligation to switch agent afterwards.
- 10m
What the property is actually achieving
Current rent against what comparable properties nearby are letting for, and how long they are sitting empty between tenancies.
- 15m
Where the borrowing sits
What you are paying now, when the deal ends, and what the market looks like at that point.
- 15m
Compliance and the boring things
Registration, safety certificates, deposit scheduling and the Letting Agent Code. Unglamorous, and the part that costs people money when it goes wrong.
- 5m
You decide nothing on the spot
We follow everything up in writing afterwards. If you are tied in elsewhere, we will tell you when you are free rather than push you to break it.
Book a landlord review
Choose a time that suits you. We will confirm your appointment by email and tell you who you will be meeting.
Prefer to talk first? Call 01259 212337.
The questions landlords actually ask.
I’m already with another agent. Is this worth my time?
Only you can judge that, but the review costs you nothing and you keep whatever we tell you. If you are tied into a notice period we will tell you when you are free rather than encourage you to break an agreement.
Do I have to use your mortgage advice?
No. Core and Plus both include access to it, and you are free to use your own broker or go direct to a lender. The management service is not conditional on taking mortgage advice from Calluna Financial.
What does the mortgage advice cost?
Your first conversation is free, every time. Buy-to-let advice is £450, or £599 if you hold three or more properties. A product transfer is £99, or £299 if you are raising capital at the same time. Your adviser will tell you which applies before any chargeable work begins, and you have to agree to it first. Calluna may also receive commission from the lender when your mortgage completes. Most buy-to-let mortgages are not regulated by the FCA.
What does the extra 2.5% actually buy?
Someone watching your borrowing rather than you remembering it. Your deal end date is recorded, reviewed annually, and you are contacted before it expires rather than after. It also covers protection reviews as circumstances change, and priority access to an adviser.
Is the fee taken from the rent?
Yes. It is deducted from rent collected rather than invoiced separately, so there is nothing to pay in a month where no rent is received.
I only have one property. Is this over-engineered?
With one property, a void or a rate change has a bigger effect on your overall position, so the review is just as relevant.
One property partner.
Less chasing. Clear accountability. Support that keeps pace with your property plans.
Book a landlord review45 minutes · no obligationOr call 01259 212337 · 6 Primrose Street, Alloa, FK10 1JG
