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Independent Mortgage Brokers &  Insurance Advisers

Nurturing Your Financial Journey, Every Step of the Way

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We're a seasoned independent mortgage firm in Bathgate, West Lothian, with satellite offices in Livingston and Edinburgh and a strong footprint across Scotland and parts of England. Our decade-plus expertise revolves around delivering personalised, competitive mortgage and protection advice, tapping into the comprehensive UK market to secure the best deals for our clients.

With our dynamic, close-knit team of dedicated advisors, we've earned a reputation as a significant independent mortgage advisor in Scotland. We're steadfastly committed to delivering top-tier, transparent, affordable advice for your mortgage and protection needs. At heart, we're all about community and personal service, locally or online. We offer only our clients the best, friendly, and professional service.


Rest easy with us. We combine our experienced advisors, extensive connections with mortgage lenders and insurance providers across the UK, and an unwavering focus on superior customer care to deliver a solution tailored to suit your needs, ensuring your peace of mind.

Indepdenent Mortgage Broker Types of Mortgage


Each situation we encounter is distinct, and our expertise lies in delivering an unbiased and customised service to our clients. As a broker with access to the entirety of the market, we can tap into nearly every mortgage available. Additionally, we can provide exclusive deals not typically offered directly to customers by banks and societies.

With many years of experience handling applications, we manage all follow-ups, ensuring you're consistently updated. We meticulously review a broad range of products across the market, alleviating you from stress and pressure. We aim to ensure you secure the best possible outcome from the right lender for your needs.

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


We comprehensively review various insurance providers to identify the perfect solution tailored to your specific needs. 

Contemplating protection isn't intuitive - most people naturally avoid considering potential adverse events. Nevertheless, unforeseen circumstances may arise beyond our control, and the assurance of having sufficient coverage for your mortgage or other living expenses in the event of any mishap provides a sense of comfort for everyone.

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

Contact Greenshoots Financial

Our main goal is to provide you with the reassurance necessary for a full, vibrant life, confident in the knowledge that your mortgage and protection requirements are perfectly tailored to your personal needs and circumstances.



Are you feeling overwhelmed with your mortgage? Confused about your options?

Pop in any Friday between 10 am and 3 pm to our FREE Weekly Mortgage Clinic and speak to our professional advisors. Our commitment to you:

✅Expert advice on mortgage-related issues

✅Personalised support to find the best solution

✅Tips on managing your mortgage payments

✅Latest updates on mortgage policies and regulations

Whether you are a Greenshoots customer, a friend or family of a customer, or someone looking for advice, please don't miss this opportunity to gain valuable insights and support for your mortgage journey.

The clinic is held each Friday between 10 am and 3 pm.  Please just get in touch if you wish to book a time.


Terms and Conditions Mortgage Broker


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
  • Why use a mortgage broker?
    A mortgage broker helps you find the best mortgage – whether a first-time buyer, remortgaging or looking for a more complex specialist mortgage. It is our job to do all the legwork and take the pressure from you.
  • What makes Greenshoots Financial the mortgage broker for me?
    We're a whole-of-market broker, so we have access to nearly every mortgage. We also have access to exclusive deals that banks and societies do not always offer directly to customers. In addition, we have decades of experience in applications and will manage all the follow-ups, keeping you in the loop. Not only do we take away the stress of acquiring your mortgage or remortgage, but we also can sort out your protection needs such as critical illness, employment protection or life protection should anything happen. And, when your product is nearing its change date, you don't have to worry because we will already be looking at the latest and best product for your remortgage and will get in touch. Successfully achieving our clients' insurance and mortgage needs is paramount to every team member. We are qualified and trained to help you, and as whole market brokers are not tied to any provider, we work entirely for you - no matter how complex your situation is.
  • What are your fees?
    At Greenshoots Financial, we believe in absolute transparency and value for money. Before beginning your property search, it's crucial to understand the details lenders require - from the size of your deposit to your employment history and future prospects. We recommend reaching out to us beforehand to ensure a smooth application process. Our advice is free, but we charge a fee for our financial services and application completion. The cost for our services is usually £395, but it can range to £995, depending on the extent of research and administration required. We ensure you are aware of any costs upfront to help you make an informed decision. You'll receive expert advice and support throughout your mortgage process with us. We devote extensive time and effort to researching and analysing mortgage and insurance options across the whole market to provide the best products for your bespoke needs. Our services encompass a variety of mortgages, offering unparalleled options from first-time buyer mortgages to specialist mortgage lending, buy-to-let, and more. We advise you accordingly and arrange the mortgage on your behalf. Our fee is only due once you've found a property and we've submitted a complete application to the lender. This fee is only a one-time charge until your tie-in period ends. There are no hidden charges. In the meantime, we continue to service your mortgage without any additional cost - ensuring the entire mortgage process is smooth and easy for you with our expert advice and support. We value your trust in us and are committed to providing top-notch service consistently. Thank you for considering Greenshoots Financial. Let's take the first step on this journey together!
  • What about insurance products?
    We give full advice and, therefore, would recommend suitable insurance products to protect you and your mortgage. There is no fee for any insurance advice that will always be reviewed in line with their mortgage.
  • How much can I borrow for a mortgage?
    You can work out how much you could potentially pay back each month on your mortgage with our mortgage calculator on our mortgage page. However, mortgage affordability has become more complex than ever, with many lenders applying different rules and we will advise you on what is available to you in person. If you wish to understand a little more in the meantime, please read our blog post here.
  • What documents do I need to bring?
    The following documents are required before moving forward with an application: ✔️3-months bank statements and proof of earnings ✔️Photo ID- Original copy of driving licence or passport ✔️Proof of address - original copy of utility bill dated within the last 3 months ✔️Proof of deposit ✔️Credit Report
  • What is an agreement in principle (AIP)?
    An agreement in principle (AIP) is the first step to getting a mortgage. Some lenders also call this a mortgage in principle, mortgage promise or decision in principle. An AIP helps understand how much you could borrow before you apply for a mortgage and it shows estate agents and sellers that you’re serious about buying, and in a position to do it.
  • How long does the process take?
    If you have all your documents in hand and have spoken to one of our advisers, we can send approval in principle the same day, depending on your circumstances and research. However, processing time will depend on the lender and the current market conditions and take take up to a few weeks. We ensure we follow up throughout the entire process to facilitate as speedy an application as possible.
  • Why wouldn't I do this myself direct with my bank?
    Sometimes people who try to organise a mortgage themselves are unsuccessful due to the loan amount or come across credit issues they don’t know about or have a low score. In this case, we can speak to someone the same day to find a suitable lender to fit their circumstances. One size doesn’t fit all and the benefit of an independent broker is we are aligned to your outcome, not an individual lender.
  • How soon can I get an appointment?
    We have appointments 7 days a week, and we offer evening appointments for people who cannot attend during working hours. In addition, we have a team of experienced advisers who can see you the same day.
  • What sort of things should I ask?
    Our experienced mortgage brokers can advise on many things, including support with recommendations for a great Estate Agent, a lawyer, wills, pensions etc.; however, specifically to your application: What documents should I gather in advance? How can I increase my chances of being eligible for a mortgage? What are the best mortgage options for first-time buyers? What insurance products are necessary and what are recommended? Which is better for me: a shorter fixed or a more extended period? When is the best time to remortgage in the future?


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