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WHO WE ARE
We are an independent mortgage firm headquartered in Bathgate, West Lothian. We take pride in our expansive reach covering West Lothian and serving numerous clients across Scotland and even a few in England.
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Our foundation is built upon over ten years of seasoned experience in the mortgage and insurance sector. As an independent agency, we are committed to delivering personalised, in-depth mortgage and protection advice with access to the comprehensive UK market. Our primary loyalty lies in securing the best deals for our clients.
Our mission is to provide top-tier, transparent, and cost-effective advice for your mortgage and protection needs. As we expand, we continue to invest in our team of brokers keen on community development, earning us the reputation of being one of Scotland's most notable independent mortgage advisors.
Our team is dynamic and close-knit, dedicated to finding our clients' most suitable mortgage and insurance solutions. We ensure that all our local or online clients receive premier, friendly, and professional service.
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You can expect peace of mind and a solution tailored to your needs, thanks to our dedicated advisors, years of experience, a network of mortgage lenders and insurance providers across the UK, and a focus on superior customer sales care.
MEET THE TEAM
Donna Murray
Owner & Founder
Bathgate Head Office
My Story: From my early beginnings in the finance industry, I've always been driven by a passion for helping people navigate the complexities of mortgages and insurance. When the opportunity arose to build a business offering a more tailored, client-centred approach to these crucial financial decisions, Greenshoots Financial was born. My aim has always been to make a real difference in people's lives through personalised financial solutions.
Why Greenshoots Financial: Our commitment to clients and a bespoke approach to financial advice. At Greenshoots, we understand that your financial needs are unique. We don't believe in one-size-fits-all solutions. Our focus is squarely on understanding your situation, objectives, and timeline. Based on these, we design practical strategies tailored just for you. Our jargon-free advice eases the process, making the journey smoother for you. Having a CeMAP-qualified team registered with FCA shows how committed we are to maintaining high professional standards.
Life Outside Work: After a busy week, my favourite way to unwind is spending time with family and friends and, of course, lots of cuddles with Betsy, who also happens to be our office dog. A well-lived life is balanced, and I try hard to remember that you are more re-energised for each new week by relaxing. We can forget it, but it is vital to us all!
Collette Campbell
Mortgage & Insurance Broker
Livingston Office
My Story: I have been a member of the Greenshoots Financial family for several years, initially overseeing our operations' crucial regulatory and compliance aspects. My journey has always been driven by the desire to secure our client's financial well-being, ultimately leading me to pursue a formal qualification through the Chartered Institute. Today, I am proud to serve as a fully qualified Equity Release, Mortgage & Insurance Broker.
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Why Greenshoots Financial: Our commitment to personalised service distinguishes Greenshoots Financial from other independents. As a trusted part of the team, I ensure every client receives a service tailored to their unique needs. Our company culture emphasises high standards, and my personal approach to work mirrors that commitment. With meticulous attention to detail, I deeply understand each client's requirements to provide the best recommendation possible.
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Life Outside Work: When not immersed in mortgage and insurance advisory, I cherish time with my family and friends. Always passionate about exploring new experiences, I relish the opportunity to travel and become immersed in the culture of new places. I also have the privilege of serving my hometown in Livingston to facilitate mortgage and insurance options that positively impact our client's lives, so you can sometimes find me "outside work" at work!
Colin Cunningham
Mortgage & Insurance Broker
Bathgate Head Office
My Story: Stepping foot into the financial industry in 1980, my journey has been packed with experiences and learnings. I had 21 years with Prudential, delving into pensions and investments, general insurance, mortgages, and all protection needs such as life, critical, and income protection. My passion for clients' well-being led me to win numerous awards. Joining Greenshoots Financial opened a new chapter in my career, allowing me to continue helping clients realise their dreams.
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Why Greenshoots Financial: At Greenshoots Financial, we are not just about numbers; we are about people. Our team's human touch distinguishes us, and we are a 'people organisation' committed to assisting our clients in achieving their aspirations.
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Life Outside Work: Away from the bustles of work, spending time with my grandchildren keeps me energised. I love being part of their lives as much as possible and cherish the joy of family life. Additionally, with a keen interest in football, I actively support teams and local football club Fauldhouse - participating in various charities is something close to my heart.
Lorraine Fraser
Operations & Marketing
My Story: I am thrilled to have worked across several sectors, from the Royal Navy to private business, which included media, beauty, education, sports, events, travel, and retail. Working with several companies throughout my career has given me a keen eye for identifying the unique factors that rationalise a business' success and potential.
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Why Greenshoots Financial: I have worked with Greenshoots Financial since its launch. In fact, over a coffee table a long time ago, I conceptualised and pitched the brand name and strategy for Greenshoots Financial to Donna, catering to those on the lookout for dependable, experienced, and friendly brokers. After a decade of providing marketing support, good timing and what felt like a natural progression, I took on a broader role with the business to support their day-to-day and financial operations. Furthermore, advancing my training and knowledge in insurance and mortgages.
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Life Outside Work: I am passionate about helping start-ups and small-to-medium businesses scale up. The potential, creativity, and innovation small businesses bring are genuinely transformational. However, in my personal time, I am an enthusiastic lover of the great outdoors, with a particular penchant for gardening and dogs!
Emma Walker
Insurance Adviser
Bathgate Head Office
My Story: I began my journey in the financial services sector approximately five years ago, a plunge I'm glad to have taken after spending several years in property lettings. As a Protection Advisor with Greenshoots Financial, I derive immense satisfaction from ensuring our clients and their families have secure coverage despite life's unpredictability. Prioritising excellent customer service, I firmly believe in putting the client and their experiences at the heart of all our operations.
Why Greenshoots Financial: Our company's devotion to individualised service sets Greenshoots Financial apart from other firms. As a dependable member of the team, I ensure that each of our clients has a service curated to their specific needs. Our company ethos sets the bar high, and my approach to work mirrors this dedication. Paying careful attention to detail, I strive to comprehend each client's needs fully to give the most suitable recommendation.
Life Outside Work: Being a mother of two leaves me with little spare time. Still, I cherish any opportunity to embark on adventures and vacations with my little ones or immerse myself in a good book. The past eight months have been a delightful period where I've enjoyed maternity leave, witnessing my little angel, Neve, grow daily. As I return to work, I face the exciting yet challenging task of balancing my career and parenting. Nevertheless, I look forward to protecting our customers again and prioritising what's most important to them.
Elaine Ruddy
Administration
Bathgate Head Office
My Story: I'm a reliable, efficient, and professional Administrator with extensive senior-level experience in the Financial Services industry. My expertise spans mortgage, life insurance, investment, and pension application processing. The opportunity to work for Greenshoots Financial arose when I sought to bring my skill set to an independent mortgage and insurance brokerage.
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Why Greenshoots Financial: What sets Greenshoots Financial apart is the bespoke, client-centric approach to our services. The team's dedication to our clients and our many product offerings tailored to individual needs help many customers who believe owning a home would not be an option for them. Owing to my prior experience, I appreciate the unique value of our services and how they genuinely benefit our clients.
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Life Outside Work: Outside of work, my passion lies in my family – and organising and planning! Whether it's a family get-together, reading or even going for a long walk, I love to plan it all meticulously!