We can help.

We're not here to sell you something you don't need. We're here to help you achieve the best life you can with the money you have.


Straightforward advice to put you in control

Take control of your finances »

Mortgages and Insurance Protection

We’ll find the right deal for your situation

Help me find the right deal »


Unlock the value of your property

Is equity release right for me »

Our Approach

Meet Iain Cairns and learn about his approach to financial planning, responsible investment and straight talking advice.

With us it’s personal

We don’t just want to talk about your money. Most of all, we want to talk about you. Because we believe that even the best investment fund or mortgage deal in the world is worth nothing, if it doesn’t help you live a life you love and build a future you want to be part of.

We call that ‘Life Centred Financial Planning’: a planning approach that focuses first and foremost on the return you want from your life. We’ll always begin by getting to know you, your situation, your goals and your outlook, so that we can build a plan that fits.

Markets fall and rise; trends come and go. But we believe the most important benchmark for your financial plan, is you. So our promise is simple: we’ll help you align your money with your values, so you can focus on the things that really matter to you in life.

We are proudly accredited by:

Iain Cairns, Owner, Lead Financial Planner

“I founded Argyll Financial to help people have the best life they can, with the money they have. I’m proud of the fantastic, like-minded team we have at Argyll Financial; all working together to help people live life on their terms.”

After years of working for corporate banks, Iain founded Argyll Financial in 2012 because he wanted to use his financial skills and experience to focus on really helping people by providing advice to suit their circumstances, hopes and dreams – not simply selling financial products. He is a passionate believer that ‘Return on Life’ is more important than ‘Return on Investment’, and at Argyll Financial he has built a team of advisors who share his people-first approach.

Friendly, laid-back and above all, trustworthy, Iain is a family man who loves to be active outdoors. Sporty and determined, you’ll find him golfing, biking, paddle-boarding and running ultra-marathons – he even has a West Highland Way race finish under his belt!

  • CII Diploma in Financial Advice
  • CF8 – Long Term Care Insurance

Connect with Iain on LinkedIn.

Ryan Nugent, Head of Mortgages and Protection

“No matter what your background, I’ll help you find the mortgage finance that’s right for you.”

Connect with Ryan on LinkedIn.

Ronnie Cairns, Equity Release Specialist

“I specialise in helping our older customers find financial solutions that offer them a better quality of life at retirement age and beyond”

Connect with Ronnie on LinkedIn.

Chris Carson, Mortgage and Protection Advisor

“As a ‘whole-of-market’ advisor with Argyll Financial, I can help almost anyone to buy their new home, and that means a lot to me. In the words of my seven-year-old, ‘I help people buy the home they love.’”

Connect with Chris on LinkedIn.

Andrew MacMillan, Mortgage and Protection Advisor

“The thing I enjoy most about being a Mortgage and Protection Advisor, is having the chance to meet new people every day – and to help them find the solutions that are right for them.”

Christine Murray, Implementation Manager

Lorna Kinnear, Office Manager

Janice Kirkland, Mortgage administrator


Argyll Financial

If you want to take control of your money or your mortgage, we can help.

We think that your money should support your life plans: never the other way around. So whatever hopes and dreams you have for the future, we’re here to help you take the right steps to get there. From our base in Dunoon, Argyll, our team of independent financial advisors and mortgage experts help people like you all over Scotland to make sound and ethical financial decisions that match their goals, their values and their lifestyle.

We’re not here to sell you financial products that you may not need. We charge simple, fixed fees for our advice, so you can feel confident that our recommendations are always 100% impartial, with your interests at heart.

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