We are an independent mortgage company with headquarters in Bathgate, West Lothian. In addition to our brokers covering this area, we are proud to have developed the business with many clients throughout Scotland and some clients south of the border in England. 
Benefitting from years of experience in the mortgage and insurance industry, we established our independent agency to provide personalised and detailed mortgage and protection advice, with access to the entire UK market, which means our loyalty is always to find the best deals for our clients. 

Our mission is to provide first-class, honest, cost-effective advice for your mortgage and protection needs. As our team grows, our strategy is to continue to invest in our team brokers who wish to develop their communities. We pride ourselves on being one of Scotland's most prominent independent mortgage advisers. Our dynamic and tight-knit team is dedicated to finding the right mortgage and insurance solutions for our clients, and we ensure all our local or online clients receive first-class, friendly, and professional service. 

With dedicated advisers, years of experience, a UK network of mortgage lenders and insurance providers, and a focus on excellent customer sales care, you can expect peace of mind and a solution tailored to suit your needs.

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Donna Murray

Bathgate Head Office

​As a professional mortgage and protection broker, I provide first-class and cost-effective advice for your mortgage and protection needs.
My experience has taught me there's rarely a one-size-fits-all solution, and my team, therefore, focus on creating tailor-made, personalised solutions for you. I advise clients to help address their mortgage and family protection needs, and my role as founder and adviser is to ensure that once you have invested in your home, you and your family do not lose it to sickness, serious illness, or death. 

My approach is straightforward. You tell me about your current situation, financial objectives and when you want to achieve them. Then I develop a practical solution to help you meet those objectives. Finally, I will discuss the plan with you and agree on the course of action you want to take with jargon-free advice for now and in the future.
My team and I are CeMAP (Certificate in Mortgage Advice and Practice) qualified and registered with the Financial Conduct Authority. I take great pride in knowing what exceptional individuals they are. Please get to know them a little below:

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Colin Cunningham
Mortgage & Insurance Broker

Bathgate Head Office

Colin has been in the financial industry since 1980 and worked with Prudential for 21 years in pensions and investments, general insurance, mortgages, all protection needs, life, critical, and income protection. During that time, he won many awards for helping clients.

Colin has a keen sense of humour which he frequently brings to the Greenshoots team meetings! In addition, he takes part in many different charities, including helping supporters teams and the local football team Fauldhouse. 

Colin is a people person and enjoys helping meet their dreams and being part of the Greenshoots team. Additionally, he loves looking after his grandchildren as often as possible and enjoys family life.

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Collette Campbell
Mortgage & Insurance Broker
Livingston Office

Collette has been part of the Greenshoots team for four years.  Invaluable in managing the regulatory and compliance aspects of the business and looking after our client's protection needs, Collette embarked on her Chartered Institute qualification in 2020 and qualified as a Mortgage Adviser.  

Collette has incredibly high standards, which means that the service she provides for her clients is second to none. With razor-sharp attention to detail, clients can be assured that Collette takes the time to get to know and understand their needs in-depth, allowing her to make the best recommendation possible.  

She covers her home town of Livingston and surrounding areas in West Lothian, and in her spare time, Collette enjoys spending time with her family and friends and going on holiday.

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Craig Murray
Mortgage & Insurance Broker
Bathgate Head Office

Craig has a wealth of experience gained over 20 years as a mortgage and protection adviser. Motivated by assisting customers with all their mortgage needs, from helping buy their dream home to sourcing a better deal and saving them money. He loves being a vital part of those journeys for each customer. 

Craig is a real family man and enjoys spending time with his loved ones and close friends. He loves playing various sports, football, golf and squash being some of his favourites. 

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Emma Walker 
Insurance Adviser
Bathgate Head Office

Emma has excellent experience across financial services and property letting; however, after being made redundant in 2020, she approached Greenshoots and qualified as a protection adviser.

She is meticulous with her attention to detail, and her friendly and caring personality is a perfect fit to assist customers with their protection needs.  Emma's long-term plan is to train to become a mortgage broker, but she also loves the protection side of the business and takes great pride and satisfaction knowing someone has the protection they need.

In her spare time, she likes to spend time with her young son and partner, lots of country walks and continues to attend a dance school which she has been a member of for 20 years.

Ian Angus Felton - Greenshoots Falkirk Mortgage Broker

Ian Angus-Felton
Mortgage & Insurance Broker
Falkirk Office

Ian brings to Greenshoots Financial over 25 years of experience as a Mortgage Broker in Falkirk, the Forth Valley region and beyond. With a laser focus on serving his clients, Ian's expertise and passion make him a sought-after broker in his community of Falkirk and a valued Greenshoots team member. 

Ian's core values are about his clients; he works tirelessly to make getting a mortgage and associated insurance as seamless and stress-free as enjoyable as possible. 

In his spare time, he is a Board Member for SMILE Counselling in West Lothian, coaches the Under 17's and Over 35's at Falkirk FC and enjoys long walks with his family and dog, Harvey.

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Karen Phillips
Mortgage & Insurance Broker
Bathgate Head Office

Karen has over 32 years of experience working for a high-street bank and a wealth of financial services knowledge. She started her career in customer services and worked her way up to personal banker. Then, she was appointed as a financial planner for over five years before becoming a senior mortgage adviser with the bank.

Tapping firmly into her background in financial planning, Karen is passionate about helping customers save money and be protected and always makes sure they have a financial MOT. 

Karen is local to Bathgate and knows the region and many people, which helps, particularly at a stressful time when people need to feel as secure as possible. Knowing Karen and knowing she understands their needs and the region is real support.

Married with one son, Karen loves to travel and go on lovely holidays!

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Lorna Elliott
Branch Manager

Bathgate Head Office

Lorna is our Greenshoots Financial Branch Manager, who manages the day-to-day operations. These responsibilities include developing business plans, attaining team goals, and delivering the best client journey possible. With over 17 years of experience in Financial Services, her high standards and attention to detail ensure all processes run smoothly.

A busy mum to two young children, Lorna also manages to fit in time for fitness, socialising with family and friends and holidays. She is one go-getter and also has a welcoming smile!