What We Do

We offer our clients throughout the UK, Independent Mortgage Advice on all property types with an extensive range of mortgage products to fit all property situations.

Our Services

From large Buy to Let Mortgage Portfolios to Main Residence Mortgages, we know it all. With over 40 years experience in the industry, we can help you with anything property related including Buildings and Contents Insurance Cover.


Here at Strategic Innovative Finance, you're in good hands. If you want to know more about us, rather than we tell you, why not read what our clients think about us and how we were able to help them.

Contact Us

If you would like us to get in touch, please complete the form at the foot of this page with your contact information and the services you are interested in and we will contact you as soon as possible.

Our Services

Wherever you are in the UK, we can offer mortgage advice on the following services and products to assist you in achieving your objectives and goals.

Buy to Let Mortgages

The Buy-to-Let mortgage market is a complex one so you need an adviser that knows their stuff – we've more than 40 years experience in the industry so you can be sure that you're in safe hands. Don't take our word for it, read what our clients say about the service they received under Testimonials.

Residential Mortgages

Finding the right mortgage is all important in the house-buying process and with many years experience in the industry, if would like our help, we can arrange for a fully qualified regulated mortgage adviser to contact you to guide you through this process.

Equity Release
Lifetime Mortgages

Do you have a main residence with equity,(cash), tied up in it and you are over 55 years of age? Do you have an outstanding interest only mortgage that you want paid off perhaps, or the need to release cash to help out family members ? If so, we can assist you by arranging for a fully qualified Equity Release Mortgage adviser to contact you to explain how it works.

Building and Contents Insurance for your Main Residence and Buy to Let Properties

Are your Buildings or Contents Insurance due for renewal now or in the near future ?. Get in touch and we will arrange for a fully qualified general insurance adviser to contact you to take your details.

Light Refurbishment
Buy to Let Mortgage

The Light Refurbishment Buy to Let is a great solution when purchasing a property in need of refurbishment and obtaining a mortgage to carry out the work.

Development Finance

Development Finance means you can arrange a residential development loan which is principally designed to finance house building projects.

Furnished Holiday Let Mortgage

The Furnished Holiday Let Mortgage can allow you to achieve up to 3 times the income you currently receive as a buy to let.

Mortgage Protection
Life Assurance

Do you have a Life Assurance requirement for Mortgage Purposes or Personal Family Protection. I f so, please contact us and we will arrange for a fully qualified non investment insurance adviser to contact you to assist.

Speak To Us

Contact us using the button below to speak with an expert adviser or complete the section at the foot of this page with your name and contact details.

“As a private sector landlord with properties mainly in London I have been using the services of Colin Gay at Strategic Innovative Finance in Dunblane for about 14 years. He has a wide knowledge of the mortgage markets across the UK and the detail of the products they offer. He has an enabling approach and is always cheerful and helpful without applying any pressure to buy. Following his advice has made me a lot of money and helped me build a successful business over the years.”
Richard Johnstone​
A Place to B
"I have been recommending Colin at Strategic Innovative Finance to my 15,000 property investor client database for over 16 years, all of whom, without single departure, have been exceptionally pleased with the advice, service and products provided. Further, all my personal mortgages have been handled by Colin and, over the years, I have saved countless sums in the process, through Colin’s expert recommendations, possibly running to hundreds of thousands of pounds. Colin is a pro, a gem and a gentleman, for whom I have the utmost respect. And thanks."
Jonathan Willis

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      Property Portfolio Schedule

      It is always a good idea to regularly review your current situation concerning your properties and how they are financed.​ If you would like a free appraisal of your current buy to let mortgages, please download and complete the above form and email this across to us at