Greenshoots Financial Ltd is an independent and respected team of mortgage and insurance advisers, providing bespoke and unbiased support to individuals, families, and businesses in Bathgate, West Lothian and Scotland.

In-person, online, or over the phone, you will receive the same quality of customer care, and we are proud of our excellent rating and our continued commitment to exceptional service.  Don’t just take our word for it - see our 5-star reviews below.  


Whether you are looking for a first-time mortgage, a remortgage on your existing property, or the right cover of insurance, we provide the best service for our clients.  Your dedicated adviser will understand your immediate and long-term needs, and source the right product for you, and your budget.


Every situation is unique, and we specialise in providing an impartial and bespoke service to our clients.  Thoroughly reviewing a whole range of products across the entire market, we advise and arrange the best mortgage for you.  

A one-off fee of £295 to cover regulatory costs is required on all new mortgages.  In very complex cases this fee may be higher but you will be advised in advance of any potential costs.

Please note your home or property may be repossessed if you do not keep up repayments on your mortgage.


We want to provide for our families and keep them adequately protected on every occasion.  In simple terms, life cover provides a tax-free lump sum on death, and critical illness cover pays out a tax-free lump sum if you are diagnosed with a significant illness as specified in the policy. 

We discuss your requirements and source and implement the policies to provide peace of mind with tailored plans to suit your needs.

Income Protection

Income Protection pays a monthly income tax-free if you are unable to work due to an illness or injury.  The monthly income under the policy will be between 50 and 70 per cent of your salary and is paid until you are fit enough to return to work, or reach retirement age.

Home Insurances

The peace of mind in knowing your home and contents are protected against life’s unwelcome and unexpected events is vital.  Working closely with a range of insurers, our experience and excellent relationships mean that we can get the right policies and rates for you.

Whatever your requirements, we will tailor a specialist property insurance policy to suit your needs.

Landlord Insurance

There is no legal obligation to have Landlords Insurance; however, if you have a mortgage on your property, your lender may require you to have insurance before you take on tenants. 

In addition to meeting your mortgage requirements, insurance is necessary to protect you against any liabilities you have towards your tenants, and also to protect the building itself.

Personal Touch

We take the time to understand you and your business so that we can get you exactly the right mortgage and policies you need.  And because we stay on top of industry developments, and have excellent working relationships with the lenders and insurers, we can access the most competitive rates available on the market.



Customer Reviews

GreenShoots Financial Ltd, Bathgate Business Centre,  6 Whitburn Road, Bathgate, West Lothian, EH48 1HH.

GreenShoots Financial Ltd is authorised and regulated by the Financial Conduct Authority and is a Registered in Scotland with Company number: SC553850. The Registered Address is 93 South Bridge Street, Bathgate, West Lothian Scotland EH48 1TJ.


Authorised and regulated by the Financial Conduct Authority, Greenshoots Financial Ltd is entered on the Financial Services Register under reference 772313.

The guidance contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.


A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at or by contacting them on 0800 023 4 567

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