Sell your home and sort your next mortgage with one team.
Selling usually means dealing with an estate agent and a mortgage adviser separately. With All Under One Roof, O’Malley Property handles your sale and Calluna Financial can advise on your onward mortgage, so you have one team to deal with.
Feefo reviews are collected independently from verified customers only. Past results are not a guarantee of future outcomes — every sale depends on the property, the pricing and the market at the time.
You already know how this normally goes.
When the sale and the mortgage are handled by different firms, it is often left to you to keep the two connected.
The mortgage can start late
If your onward mortgage has not been looked at before an offer is accepted, the application may only begin as the timescales start to tighten.
You can end up the go-between
Updates between the agent, the adviser and the solicitor can end up passing through you rather than between them.
Contact can stop at completion
Once you complete, contact often stops. When your fixed rate ends, you may be starting again with someone new.
The difference is what happens in the gaps.
Same sale. Same property. Two very different experiences of it.
Agent values and markets the property.
Offer accepted.The mortgage conversation often starts here.
You find a broker, or use whoever the agent recommends.
You may need to explain your situation again.
Completion, and the relationship ends.Your deal end date is left for you to track.
Your valuation can include a conversation about your onward move.
If you choose, a Calluna adviser can start on your onward mortgage while your home is marketed.So you are better prepared when an offer comes in.
One named Calluna adviser for your mortgage.
With your permission, your agent and adviser keep each other updated, so you are not the go-between.
On Plus, your mortgage is reviewed each year while you remain on the service.
Independently reviewed, not self-declared.
Feefo invites reviews only from customers who have completed a transaction with us.
Choose how far your support goes.
Both packages connect your property sale with regulated mortgage advice. The difference is what happens after you have moved in.
CORE
- Valuation and pricing strategy
- Professional property marketing
- Portal advertising and viewings
- Offer negotiation and progression
- Onward-purchase mortgage advice
PLUS
- Ongoing mortgage management
- Annual mortgage and protection review
- Remortgage and product monitoring
- Support when circumstances change
- Priority Calluna adviser access
Mortgage and protection advice is provided by Calluna Financial. Your initial consultation is free, and Calluna charges no broker fee for standard new mortgage business. Other cases carry a published fee, explained and agreed before any chargeable work begins. Calluna may also receive commission from the lender or insurer. Subject to status and lender criteria.
What actually happens at a valuation.
Forty-five minutes, at your property, with no obligation to instruct us afterwards.
- 10m
We look at the property properly
Room by room, including things that affect the price that photographs do not always show.
- 15m
You get a figure, and the reasoning behind it
What comparable homes nearby have actually achieved, not what they were listed at.
- 15m
We talk about where you are going next
Onward purchase, timing, and what is realistic on your current borrowing.
- 5m
You decide nothing on the spot
We follow everything up in writing afterwards. If you want to think about it for six months, that is genuinely fine.
Book your valuation
Choose a time that suits you. We will confirm your appointment by email and tell you who will be visiting.
Prefer to talk first? Call 01259 212337.
The questions people actually ask.
Do I have to use your mortgage advice?
No. Core and Plus both include access to it, but you are free to use your own broker or go direct to a lender. The sales service is not conditional on taking mortgage advice from Calluna Financial.
What does the mortgage advice cost?
Your first conversation is free, every time. Calluna charges no broker fee for standard new mortgage business. Some cases do carry a fee — £399 for a remortgage, £450 for buy-to-let, £99 for a product transfer, and £399 where a new case turns out to be very complex, payable only if you proceed. Your adviser will tell you which applies, and why, 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, and from the insurer if you take out protection. The lender commission is shown in your Mortgage Illustration, and any insurer commission is set out in your client documentation.
What if I already have a broker I like?
Keep them — that is completely fine. Plus is only worth considering if you want the ongoing review side as well, so if your existing broker already does that, Core is the sensible choice.
Is the fee really fixed?
Yes. The figure quoted is the figure you pay on completion, regardless of how long the sale takes or how many viewings it needs. If your sale does not complete, there is no sales fee.
What does “ongoing mortgage management” actually mean?
Your adviser keeps a record of when your deal ends and contacts you before that happens, rather than leaving you to remember. It includes an annual review and a check of the market as your product comes to an end. It commits you to nothing, and any new mortgage would be subject to advice, status and lender criteria at that time.
What if I am not ready to sell yet?
Book the valuation anyway. Knowing the number is useful whether you move this year or in three. There is no obligation attached to it and no pressure to go further.
One move. One team.
Find out what your home is worth, and what your next one would actually cost you, in the same conversation.
Book your valuation45 minutes · no obligationOr call 01259 212337 · 6 Primrose Street, Alloa, FK10 1JG
