INDEPENDENT MORTGAGE BROKERS

Helping you secure your dream home.

LOOKING FOR A MORTGAGE BROKER

IN WEST LOTHIAN?

Your mortgage, made simple.

Buying your first home, moving, remortgaging, or investing? Greenshoots Financial makes it easy.

As Bathgate’s trusted independent mortgage brokers, we use over 30 years of expertise to find the right mortgage and protection solutions for you – without the stress.

Why choose Greenshoots Financial?

Finding the perfect mortgage can feel overwhelming. We take that pressure away:

Whole-of-market advice – we compare thousands of mortgage products to secure the most competitive rates for your situation.
Clear, impartial guidance – no jargon, just straightforward advice you can trust.
We handle everything – from application to completion, we take care of the paperwork and guide you every step of the way.
Specialist knowledge – from first-time buyers to complex buy-to-let portfolios, we know how to find the right solution.
Comprehensive services – we cover all areas, including:

First-time buyer mortgages

Home mover and remortgage options

Buy-to-let mortgages

Lifetime mortgages and equity release

Debt consolidation mortgages

Second charge mortgages

Home Equity Line of Credit (HELOC)

With Greenshoots Financial, your mortgage isn’t just about today – we ensure it supports your life and future plans.

Ready to get started? Get in touch today for clear advice and tailored solutions. Or, if you’d like to learn more, visit our Frequently Asked Questions.

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Mortgages

YOUR GUIDE TO MORTGAGES: FIRST-TIME BUYER, HOME MOVER, REMORTGAGE & SPECIALIST LENDING OPTIONS

First-Time Buyer Mortgages

Buying your first home can feel overwhelming - but it doesn’t have to be. At Greenshoots Financial, we specialise in helping first-time buyers get onto the property ladder with confidence. Our expert mortgage advisers guide you through every step, making the process simple, clear and stress-free. We offer a wide range of first-time buyer mortgage options to suit different budgets and lifestyles: Fixed-rate mortgages – predictable monthly payments for long-term peace of mind. Tracker mortgages – follow the Bank of England base rate, with the potential to save when rates are low. Repayment (capital and interest) mortgages – pay off both the loan and interest monthly, fully owning your home by the end of the term. We’ll help you find the best option for your circumstances - so you can focus on the excitement of your new home rather than the paperwork. Ready to take the first step? Contact us today and speak to one of our friendly mortgage specialists.

Home Mover Mortgages

Moving home should be exciting, not stressful. Our home mover mortgages are designed to make the transition to your next property as smooth as possible. With a range of options including fixed-rate, tracker and flexible mortgages, our advisers will help you find the right deal for your changing needs. We’ll manage the details so you can move forward with confidence.

Remortgages

Looking to save money, release equity, or secure a better deal? A remortgage could be the solution. We’ll review your current mortgage and compare the latest options to find one that aligns with your financial goals - whether that’s reducing your monthly payments or freeing up capital.

Specialist Lending Mortgages

We also support clients with more complex requirements through our specialist lending expertise: Buy-to-let mortgages – flexible options for property investors. Lifetime mortgages – unlock tax-free cash from your home without moving. Equity release – access the value tied up in your property to enjoy more financial freedom. Debt consolidation mortgages – combine debts into one manageable monthly payment. Second charge mortgages – borrow against your home’s equity without disturbing your existing mortgage. HELOC (Home Equity Line of Credit) – flexible borrowing for ongoing projects or expenses. No matter your circumstances, we’ll work with you to find the right lending solution.

Why Choose Greenshoots Financial?

Clear, expert mortgage advice from a team you can trust.
Access to a wide range of lenders and exclusive products.
A friendly, approachable service that keeps you in control.

Start your journey today. Contact our team for an initial, no-obligation conversation and take the next step towards your financial goals.

WHAT ARE INTEREST ONLY MORTGAGES?

A simple way to understand an interest-only mortgage is this: all your payments are directed towards clearing the interest on your loan, leaving the principal amount untouched. Once the loan period finishes, you still have to pay off this original loan amount.

To manage this, borrowers usually set up an investment strategy. This strategy helps them accumulate enough money to clear the mortgage once the loan period ends.

In the past, most people used a mortgage endowment policy to manage the principal of an interest-only mortgage. But, today's borrowers increasingly turn to individual savings accounts (ISAs) and pension funds to accumulate the necessary money to pay off their loan.

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WHAT IS A REPAYMENT MORTGAGE (CAPITAL AND INTEREST)?

When you have a mortgage, your monthly payments include the loan amount (principal) and interest. This way, with each payment, you're reducing the amount you owe. It's key to understand, though, that during the early years, your payments largely go towards the interest, decelerating the decrease of the principal.

In this repayment plan, you agree to make these payments monthly for a set time, known as the 'term' - usually for 25 years. During this time, you'll repay the loan plus the interest. As long as you fulfil your monthly payments without fail, you're set to have your mortgage paid off by the end of the term.

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THINGS YOU NEED TO KNOW

At Greenshoots Financial, we make mortgages stress-free and straightforward. Whether buying your first home, remortgaging, or investing in property, our experienced advisers work hard to find the right mortgage and protection options.

From start to finish, we’ll guide you through the process - comparing the latest mortgage and insurance products on the market, giving clear advice, and handling all the paperwork on your behalf.

We’re passionate about delivering exceptional service, and our goal is to ensure you feel confident and supported at every step.

Your mortgage is one of the most significant financial commitments you’ll make. We’re here to help you get it right.

Important: Your home may be repossessed if you do not keep up repayments on your mortgage. The Financial Conduct Authority does not regulate some types of buy-to-let mortgages.