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Independent Mortgage Broker West Lothian


​With decades of experience and access to thousands of mortgages and mortgage deals, we are experts in our field and independent of any lender.  This means we take the time to understand you and search the whole mortgage market, current mortgage rates and the insurance market to find products tailored to your circumstances.

Furthermore, our excellent contacts and relationships with lenders and insurers mean we stay on top of industry developments and can access the most competitive rates available on the market.

With clients Scotland-wide, we have a range of contact options available to suit you, whether online, by phone, at your home, at our Head Office in Bathgate or our remote hubs in Edinburgh, Falkirk, and Livingston.


Whether you are looking for a first-time mortgage, a specialist mortgage, a remortgage or the right insurance cover, we take enormous pride in ensuring we deliver a first-class service. We take pride in our relationship with our clients, which is why they become life-long customers. 


We have specialist brokers who advise on the most suitable mortgages and insurances for your needs. Each client is provided with detailed and relevant advice to their circumstances, and our dedicated mortgage and insurance brokers take the time to understand your immediate and long-term needs. This means they can source the right product for you and your budget from thousands of options. 


As an independent, whole-of-market mortgage broker, we take care of everything, including all the legwork and provide the best impartial advice. So please get in touch today to see how we can help you.


Each situation is unique, and we specialise in providing an impartial and bespoke service to our clients.  We're also a whole-of-market broker, so we have access to nearly every mortgage out there. And, we have access to exclusive deals that banks and societies do not always offer directly to customers.  


We have decades of experience in applications and will manage all the follow-ups, keeping you in the loop throughout. Thoroughly reviewing a whole range of products across the market, we take the stress and pressure away from you, focussing on making sure you get the best possible product available with the right lender for you.

■ First-time Buyer ■ Home Mover ■ Remortgages ■ Specialist Mortgage Lending ■ Buy-to-let ■ Equity Release ■ Lifetime Mortgages ■ Bridging ■ 
Second Charge Mortgages 


We examine all the insurance providers to find the right solution to suit your needs.  And trust us, we know that protection isn't an easy subject to think about - it's against our instincts to think of something terrible happening.   However, events do happen out with our control and knowing that you have enough to cover your mortgage or other living expenses if something happened to you is a source of comfort for us all.  We offer insurances across the market, including:  

Mortgage & Family Protection ■ Buildings & Contents ■ Life Cover Critical Illness CoverIncome Protection InsuranceLandlord InsuranceBusiness Protection InsurancePrivate Healthcare Insurance

Contact Greenshoots Financial

Our objective is to give you the peace of mind you need to live life to the full in the knowledge that your mortgage and protection needs are right for your needs and circumstances.



There are several questions any lender will need to know, from the size of your deposit to your employment history and prospects. To get you seamlessly through the application process, we recommend contacting us before you start your property search.


​Please note that your home or property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

Frequently Asked Questions


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