INDEPENDENT MORTGAGE BROKERS AND INSURANCE ADVISORS
As seasoned professionals in the mortgage industry, we boast decades of experience and an extensive portfolio of thousands of mortgages and mortgage deals. Our independent status from any lender empowers us to devote substantial time to understanding your specific needs.
Consequently, we can comprehensively explore the mortgage market, current mortgage rates, and the insurance market to identify products perfectly tailored to your unique circumstances.
Our excellent relationships with lenders and insurers provide us with an inside track on industry developments, ensuring we can secure the most competitive rates available in the market.
Servicing clients across Scotland, we offer a variety of contact methods to suit your preferences. These include online correspondence, phone calls, home visits, or in-person meetings at our Head Office in Bathgate or our remote hubs in Edinburgh, Falkirk, and Livingston.
We take immense pride in offering first-rate services whether you are searching for a first-time mortgage, a specialist mortgage, a remortgage, or an appropriate insurance cover. Our clients are at the forefront of our business, and we are proud to say that our relationships often transform into lifelong partnerships.
Our team consists of specialist brokers who guide you towards the most fitting mortgages and insurance plans tailored to your unique needs. We ensure that clients receive in-depth, pertinent advice based on their circumstances. Our commitment to understanding your immediate and long-term requirements empowers us to find the perfect product for you from a pool of thousands of options, all within your budget.
As an independent, whole-of-market mortgage broker, we handle all aspects of your mortgage and insurance needs, including the necessary legwork. We are dedicated to offering you the best impartial advice on the market.
We invite you to reach out today and experience first-hand how we can assist you in achieving your financial goals.
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 Cover ■ Income Protection Insurance ■ Landlord Insurance ■ Business Protection Insurance ■ Private Healthcare Insurance
WEEKLY MORTGAGE CLINIC
Are you feeling overwhelmed with your mortgage? Confused about your options?
Pop in any Friday between 10 a.m. and 4 p.m. 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 4 pm. Please just get in touch if you wish to book a time.
THE SMALL PRINT
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.
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?We don’t charge for advice, but we charge a fee for our financial services and for completing an application. However, our fee is only payable once you have found a property and we have submitted a full application to the lender. This is a lifetime fee for the property when the tie-in period ends, such as the fixed or tracker rate, and we continue to service this mortgage at no extra cost. You will get expert advice and support throughout the entire mortgage process, we thoroughly review a range of products across the whole market and advise and arrange the mortgage for you. The amount charged will be between £0 and £995 and is dependent on the amount of research and administration that is required. However, you will be advised on any costs in advance.
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?