An established and respected independent team of mortgage and insurance advisers, we provide bespoke and unbiased support to individuals, families, and businesses in Bathgate, West Lothian and Scotland.
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 advisor will understand your immediate and long-term needs, and source the right product for you, and your budget.
Whether you prefer to deal with us online, over the phone, or in the office – the choice is yours! Whatever works best for you, you will still receive the same quality of customer care. We ’re proud of our excellent rating and of our continued commitment to excellence service, but don’t just take our word for it - see our 5-star reviews below.
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.
You'll get expert advice and support throughout the entire mortgage process. Depending on the complexity of the case, the amount of research and administration that is required, a fee of between £0 and £495 will be administered.
Please note your home or property may be repossessed if you do not keep up repayments on your mortgage.
Life Cover And Critical Illness
We all want to do the best 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 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.
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.
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.
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.