The Team

James Rice

Managing Director

James has been a mortgage advisor since 1997. Before he became co-founder of The Mortgage Finance Store Ltd. he was Head of Business Development at one of Scotland’s largest and most prestigious law firms, The PSM Law Group. James was recognised by the Institute of Directors when he took second place in their Director of the Year awards in 2004.

Michelle Liddell

Finance & Compliance Manager

In keeping with its progressive thinking and the ever changing regulatory requirements that accompany the modern financial services industry The Mortgage Finance Store Ltd. was proud to promote Michelle to this crucial role in 2015. With a financial services background spanning over 30 years, 15 of which within the Mortgage Finance Stores Ltd. in a variety of roles, Michelle has proved a crucial member of our team and a constant source of knowledge and support.

Jim Leary

Non-Executive Director

Following a successful career as an IFA, Jim joined The Mortgage Finance Store Ltd. in 2005. In addition to being a valued member of the team Jim took on a Non-Executive Directors role in 2008.

Richard Noble

Non-Executive Director

One of the original team, Richard has been with The Mortgage Finance Store Ltd. since its opening in 2003. An important member of our team, Richard took on a Non-Executive Directors role in 2008.

Louise Laing

Louise has been in Finance for 30 years.  She has worked for major high street lenders historically all over Scotland and has accrued a wealth of knowledge & experience. Since 2015 Louise has been a valued member of the TMFS family. Louise feels it’s such a privilege to be asked and to be able to advise clients on the best way to finance their next property project. When not solving mortgage and protection problems you will find Louise on her way to the top of some mountain or exploring some of the worlds most remote and exciting places.

Mike Connelly

Non-Executive Director

Mike has worked in the Financial Services industry since 1988. He held the post of Branch Manager for the East Coast of Scotland with Pearl Assurance before leaving to pursue a career as an Independent Financial Advisor. Since founding The Mortgage Finance Store Ltd., Mike has nurtured its growth into the established mortgage operation that it is now.

Lesley Grossett

Sadly on the 28th July 2023, we lost our beloved advisor and friend after a short illness.

Lesley was the epitome of empathetic and caring  advisor and she will be remembered by all who had the privilege to meet her.

Forever missed

Lesley Grossett

02/11/1964 to 28/07/2023


Kendal Ritchie

Kendal has worked in financial services for over 8 years, latterly with a high street bank providing mortgage services. She has vast knowledge of the complete house buying process having worked behind the scenes in a bank for so long. She is happiest when meeting new people and providing solutions to their problems and is keen to help you and make your journey with The Mortgage Finance Store as stress free as possible. 

Karolina Wrobel

Mortgage and Protection Advisor

Our first bonafide scientist to join The Mortgage Finance Stores team. 

After over 10 years of crunching data, Karolina has now transitioned into Financial Services. As Karolina put it “ the accuracy of data and working on complex problems is a thrill but the ability to interact with people and solve every day problems is just as fulfilling” With a bubbling personality and the energy of the energizer bunny we can’t wait to see what a success Karolina will be in this new career path.

Allan Johnston

After graduating from University Allan has worked for a local Charity for a number of years.  He wanted to build a career centred around his passion for customer service and his skills with figures and report writing – and working as a Mortgage Consultant was a perfect match.  He enjoys helping clients move into their new homes and providing clients with the peace of mind that their mortgage is adequately protected and would be taken care of regardless of what life may bring.

Erin Cruickshank

Mortgage Advisor

After 12 years working with a high street bank, with 9 as an underwriter (telling other advisors what they are doing wrong) Erin has made the brave move to come over to the other side to show us all how it’s done properly.  An instant hit with both clients and colleagues, Erin is enjoying assisting clients with both their mortgage and protection needs finally having access to the whole of the market.  As Erin put it, having recently brought little Aria into the world the freedom and flexibility of this new role and the chance meet and help new people is a thrill. 

Liam Collins

Mortgage and Protection Advisor

After trying his hand at a number of small businesses ventures, Liam took the steps, as he put it  “to go back to school”  and focus on Financial Services, specifically mortgage and protection.  In Liam’s words  “ to be able to help people achieve their dream of owning their own house, helping people restructure their finances and protect those nearest and dearest to them, is my idea of a dream job”.

His easy going, friendly manner have made him an instant hit with both clients and staff alike