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We're here for you.

At Envoy Financial, we believe in building more than just a professional relationship. We prioritise cultivating a lifelong partnership with our clients.

Understanding that a home is one of the most significant investments in one's life, we ensure that from finding your dream home, securing the right financial solutions, to protecting it with the right insurance – you always have the best by your side.

Image by Ross Sneddon


With over 70 years of stellar experience in Financial Services, our legacy is built on trust and expertise.

Experience that matters

Combining 70 years of financial services prowess, we specialise in the property market domain.


Our clients enjoy the competitive edge of our vast knowledge, seasoned expertise, and robust industry network. Each consultant on our team boasts a rich professional background, with significant experience navigating the Glasgow, Ayrshire, Lanarkshire & Stirlingshire property markets, especially as Estate Agency Mortgage Consultants, ensuring you always get seasoned advice.

Our Ethos: Listen, Local, Life

Every client has a unique story, a distinct dream. At Envoy Financial, we prioritse your narrative. We listen, understand, and then curate tailored financial solutions that resonate with your goals and aspirations.

Life never stops, and neither do we. Understanding the complexities and anxieties surrounding property purchases, we ensure we're available for our clients, irrespective of the time of day. Envoy Financial is always by your side, whether it's an early-morning query or a late-night doubt.

At Envoy Financial, your dream is our mission. Together, let's craft success stories that last a lifetime.

Our Directors


Ross Bremner

Director/Mortgage and protection consultant

Ayrshire born and raised.

He has over 15 years of experience in the local property market helping clients in Ayr, Kilmarnock, Prestwick, Troon and throughout Ayrshire. 

Witnessing first-hand the frustrations of the buying process for clients and the lack of care from agents, this lead him to make the leap with fellow Mortgage expert Graeme to create Envoy; a unique Financial Services proposition that puts clients at the heart. 

With a passion for all things property-related, Ross loves what he does. Providing clients access to his industry experience and expert guidance, helps him deliver a service that is truly end-to-end and unrivalled in the industry.

Outside of work, Ross enjoys spending time with his wife, two daughters and following his favourite football team.

Whether you are a first-time buyer, a buy-to-let investor or your mortgage deal is coming to an end, then you've come to the right place. 


Graeme Hilley

Director/Mortgage and protection consultant/ Business protection/ PMI

From the Southside of Glasgow.

He has 13 years experience helping clients with their moves across the city and further afield.

His passion for helping clients beyond the standard industry approach led him to establish Envoy along with fellow director and mortgage expert Ross. Creating a unique financial services proposition that puts people at the heart of its business 

With a wealth of experience, Estate Agency knowledge and industry contacts; he prides himself on providing a highly personal service, being available 24/7 for his client.

When he has a spare minute, Graeme enjoys travelling with his fiance, playing tennis and trying new restaurants. 

Whether you are looking to buy a traditional Shawlands tenement, a forever home for your family or considering adding an investment property to your portfolio, Graeme is on hand to support you every step of the way

Our People

Image by Nicholas Chester-Adams


We've successfully assisted over 1000 clients in realising their property dreams.

Advice You Can Trust


I can't recommend envoy financial enough. When buying our first home Ross was amazing. Ross was patient and understanding. He was there to answer all our question morning and night. 

Sophie Borthwick


I entered this new life chapter with completely zero knowledge of how I wanted to proceed, one thing I did know was that I wanted to buy my first home. I was recommended Ross by a close friend.

Abby Todd


Couldn't give any higher praise to Envoy for their help in securing me a mortgage for my first home. Ross was absolutely brilliant and by far the most helpful and honest person along my house buying journey.

Liam Hopkins

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