The Team

We are dedicated to creating a meaningful, long-term relationship with you that is based on understanding, knowledge and commitment to progress.


John Johnstone

Managing Director / Senior Mortgage and Protection adviser.

John has been in the financial services industry for 30 years helping clients and their families achieve their goals. He worked for the first 18 years for Prudential Assurance (The Man from the PRU), and has been involved in all types of mortgages both residential and commercial along with the relevant protection advice. John is Married with 3 children and lives in Midlothian, his main sporting interest is sailing.

John says "we are happy to provide the very best of service to our clients at a time and place that suits them, we have very strong connections with a National estate agency along with other more local connections and always strive to do the very best job we can for the clients, not only at the initial meeting but throughout there ongoing financial needs"


Simon Patience

Director / Senior Mortgage and Protection Adviser.

Simon has been in the Financial Services Industry since 2007 coming from a Managerial background in retail. Coming from retail Simon recognises the importance of customer service and tries to go that extra mile for his clients meeting with them either in the office or in the comfort of their own home.


Neil Cruickshank

Mortgage and Protection Adviser

Neil started in financial services in the year 2000 with his own company, this later merged with CCFS bringing a wealth of Knowledge and loyal clients. This also allowed CCFS to cover the Aberdeenshire area. Neil is a family man and realises the strains this puts on people both in terms of time and wanting to get the best for them. Neil is happy to do home visits at a time that suits the client, he says" he is a good listener and great problem solver"


Simone Douglas

Mortgage and Protection adviser.

Simone has worked within financial services since 2002 and as a mortgage adviser for the last 5 years.  Her experience comes from both banking and brokerage services. Having started in customer services she feels "that this provides the basis for my business and I am focused on providing a personal service to my clients".  She is based in West Lothian but is happy to travel to provide a face to face service to her clients assisting them with mortgages, protection and general insurance.


David Stirling

Mortgage and protection adviser

David started in financial services in 2002 and has been with major banks and independent broking firms before joining CCFS.

David is a family man with 1 daughter, he enjoys curling and family camping holidays.

David lives in West Lothian but works mainly in the Dunfermline / Fife area. He says " distance to the client is not an issue, getting the job done right to the clients benefit is the main aim"


Heather Mitchell

Mortgage and Protection adviser

Heather has worked in financial services since 1990, initially with Legal and General then moving to the Broker market from there, Working within a major estate agent Heather has been closely involved with helping Customers new and old achieve their dream home and keep it protected. Heather joined CCFS early 2014 where she continues to help clients both new and old make sure they get the right advice and deal.

Heather works within the Kirkcaldy and Fife areas.


Elaine Brown

Mortgage and Protection adviser

Elaine has been in the Banking and Finance Industry for over 20 years, working for different banks, building societies and finance companies. She always likes to get to know her customers and strives to provide the best possible service for them. She says "I feel like they are not just a customer but I make a new friend with each of them. I love the feeling of seeing them through the journey, from looking for a home to moving into that home and I get great satisfaction of knowing I helped and guided them along that path"

Elaine is married and loves looking after her rescue dog from Cyprus.

Her hobbies are looking after her dog and growing her own vegetables," there is nothing better than picking and eating your own produce"


Diane Malcom

General Insurance Consultant

Diane is relatively new to the Insurance Industry but brings a wealth of experience with her. Diane had mainly worked in the Nuclear Decommissioning Sector in a variety or roles. Latterly, Diane worked in the IT Sector: as the Technical Manager for a procurement, project and financial system and as a Change Control Manager where she work in the retain, nuclear decommissioning and military armament sectors. She pays close attention to detail and loves to help people to achieve what they want in life and always brings this enthusiasm to her work. She likes to develop a good relationship with her clients and enjoys nothing better than getting the best deal for them and says she doesn’t have any spare time because she’s always busy doing something! Be it crocheting, sewing, knitting or crafting in general, gardening or home improvements and last but by no means least spending time with her family, which is very important to her. Diane has a daughter and granddaughter.


John McNeil

With 30 year's experience in Financial Services, john is in the position to provide the advice, support and guidance homebuyers require along with those looking for a better deal or needing to raise that bit extra capital for a project. John is a family man so he is aware that time is precious, so makes himself available for evening and weekend appointments should they be required. John lives in Inverness, however, covering the whole of the Highlands, as well as further afield is not an issue.



Copyright © 2022 Consumer Choice Financial Services. All Rights Reserved


We normally charge a fee for mortgage advice, however this will be dependent on your circumstances, our typical fee is £399.

Consumer Choice Financial Services is a trading style of Saorsa Financial Services Ltd, which is an appointed representative of Primis Mortgage Network which is a trading style of Personal Touch Financial Services Ltd, which is authorised and regulated by the Financial Conduct Authority.

Registered Office Address: 43 Kippielaw Road, Dalkeith, Midlothian, EH22 4HZ. Registered in Scotland. Registration Number SC276614

The Financial Conduct Authority does not regulate most Buy to Let Mortgages.

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