What our customers say about us

At Cailean, we understand that, by putting the interests of our customers first in everything we do, they become not only our best advertisement, but they stay as loyal to us as we are to them. It’s a simple philosophy that continues to stand us in good stead. Here’s what some of our customers say about us:



"Knocked 13 years off the term!" - Client in Fife, February 2017

My wife and I were coming to the end of our fixed rate mortgage and were looking to reduce the term and free up some capital for home improvements.

James was very helpful right from the start, he cut out all the rubbish, (the bank we were with had us sitting for two hours and we still came out scratching our heads). James asked us some simple questions and, in 15 minutes, I understood what we wanted and was reassured that it was possible.

We have been accepted for the remortgage and have knocked 13 years off the term in the process! We couldn't be happier with the outcome! James has been on the end of the phone if we needed him, I have rang a few times and professional throughout!


“Could not ask for a better service” - Client in Dumfriesshire, January 2017

I have used James McQuistin’s services in the past and knew he would do a good job for me. To sum up, James is a very knowledgeable advisor and I trust his advice. Kept me fully updated throughout the process and a quick service. He knew exactly what mortgage would suit my personal budget. In all honesty, I could not ask for a better service. Very pleased with outcome and as far as I'm concerned, money well spent.


"Very happy with the service we received"

Both my wife and I were very happy with the service we received. Kathryn was very thorough in getting to know what our needs were and recommended products that matched them exactly. Kathryn was very patient with us in explaining things that were not clear to us in a simple, easy to understand manner via phone conversations and numerous home visits.

Kish - Computer Analyst/Programmer, Midlothian


"Extremely professional and approachable"

Colin listened to us and provided protection cover that we needed, he did not try and push additional products onto us that we didn’t require as had previously happened to us. When it came to reviewing my pensions, I had no hesitation in using Colin’s services again. We found Colin to be extremely professional and approachable and would have no hesitation in recommending him to family and friends.

Beverley - Stirlingshire


"Very helpful, competent and approachable"

Colin has been a very helpful, competent and approachable adviser to us for the last 6 years. We have recommended his services to family and friends and they too have been very impressed with his knowledge and professionalism.

Ross & Yvonne - Fife


“Very grateful and will happily recommend his services” - Client in Midlothian, February 2017

Was very stressed at thought of what I had ahead of me. Spoke with Mr McQuistin and the journey towards my mortgage became easy. Advice was sound and process very efficient. I am very grateful and will happily recommend his services. Mortgage was secured, with a good arrangement for me. For me I can see no need for improvement, everything went well for me.


“James understood exactly what type of mortgage I required” - Client in Shetland, February 2017

I was not happy with the information provided by another mortgage lender. James understood exactly what type of mortgage I required and sourced this for me. James has helped me with my financial affairs and I have the outcome I was hoping for. I would highly recommend James to help any other customer where they require financial information. I will be using James in the future and will recommend him to my friends and family.


"Cailean were extremely helpful"

Cailean were extremely helpful and made a complex subject easy to understand and gave us all the necessary information with which to make our decisions. As well as being excellent professionals, they are extremely nice people and we would have absolutely no hesitation in recommending them. In fact, we have already passed on Cailean's name to several friends.

Jim Fowlds - Retired Director, Dunfermline


"Kathryn has been hugely supportive"

Kathryn has been hugely supportive as our business has grown. She is on hand and ready to take the time to help new staff members understand their benefits in as much detail as they need. She also has a great way of simplifying things which could be overly complex. A great support to us and very much recommended.

Shane - Midlothian


"Understands customer needs"

Kathryn’s strength is her ability to listen and to really understand what the customer needs.

Diane - Avon


"A pleasure to work with"

Kathryn has provided excellent advice on both pensions and insurance matters. During my period of working with Kathryn I have always found her very efficient and knowledgeable. A pleasure to consult with.

Tony - Fife


“Consistently going above and beyond” - Client in Fife, February 2017

James has been a huge help to us from start to finish, consistently going above and beyond to make our mortgage application an easy and stress-free process. Despite our unusual circumstances, James managed to get us a great deal on our mortgage and offered loads of advice on the purchase of our first home. No matter when I get in touch, he gets back to us almost immediately - the man never stops working!


“Managed to reduce the term of my mortgage” - Client in Dumfriesshire, December 2016

James drew up a list of mortgage companies that fitted my needs and discussed each in turn. We also reviewed critical life cover and income protection and he helped us choose the most appropriate. Managed to reduce the term of my mortgage even when paying the same amount as previous lender who, when I went into branch, told me to look online !!


"Invaluable financial advice, free from bias"

Colin has given us invaluable financial advice, free from bias toward specific products or companies. This contrasted with the previous advice that we, unwisely, took which lost us a considerable amount of money during the financial downturn. Colin helped us get our finances back onto a sound footing, the investment bond that he set up out-performed expectations. We would not hesitate in recommending his services.

Rona & Kevin


"No jargon, very reassuring"

I have known Colin McGugan since 2004 as a Financial Advisor. My confidence in Colin is based on the sound financial advice he has provided to me and my husband around pensions and investments. Colin listens which is a great skill, he responds professionally and promptly, he is very dependable and easily contactable. Colin makes home visits and conducts annual reviews or whenever necessary. Colin is a lovely guy; he has a sense of humour and is easy to get along with; he explains products clearly so that they make sense - no jargon, very reassuring.

Mary Irvine - Fife


"Friendly, approachable, effective"

Colin has advised me on financial planning for several years now and have found his approach to be friendly, approachable, understandable and most importantly of all, effective. Everything was dealt with in a very easy hassle free manner, and would confidently recommend his services to anyone thinking of investing for the future.

C Goldie - Edinburgh