Mortgage and Protection Advice in Kilcreggan, Rosneath and Helensburgh

Finding the right mortgage or insurance can feel overwhelming. Rates change. Lenders tighten criteria. Comparison sites bombard you with offers that don’t always fit real-world circumstances.

At Greenshoots Financial, we believe financial advice should feel personal, local, and genuinely helpful. Our Adviser, Lorraine, is based in Kilcreggan and serves Rosneath, Helensburgh, and the wider Argyll area and offers straightforward mortgage and protection advice designed around you, not the banks.

If you’ve searched "mortgage adviser Helensburgh", "mortgage broker near me", or "insurance adviser Kilcreggan", you’re not alone. Many homeowners and first-time buyers are looking for clarity and reassurance in a changing market.

Local knowledge makes a real difference. We understand how property values, lender appetite, and personal circumstances come together in this part of Scotland. Whether you’re buying your first home, remortgaging, or protecting your family’s income, our advice is rooted in what’s best for you.

Mortgages Greenshoots Financial Can Help With

First-Time Buyer Mortgages - Clear guidance on deposits, affordability, and lender options for your first step onto the property ladder.

Remortgages - Review your current deal and potentially save money or raise funds for home improvements.

Home Mover Mortgages - Smooth transitions when you’re ready to move or upsize.

Buy-to-Let Mortgages - Advice for landlords, including interest-only and portfolio lending.

Specialist Mortgages - Support if you’re self-employed, have complex income, or need non-standard lending.

Equity Release - Unlock the value in your home with clear, independent equity release advice.

We’ll compare products across the whole market, explaining the pros and cons in plain language so you can make confident decisions.

Protecting What Matters Most

Your mortgage is likely your biggest financial commitment. Having the right protection in place ensures peace of mind if the unexpected happens. We can help you find cover that fits your needs and budget:

Life Insurance - To help your family repay the mortgage or cover essential costs.

Critical Illness Cover - A tax-free lump sum if you’re diagnosed with a serious illness.

Income Protection - Replaces part of your income if you can’t work due to illness or injury.

Private Medical Insurance (PMI) - Access private healthcare quickly when you need it most. PMI can help you avoid NHS waiting lists, giving you choice, comfort, and peace of mind for you and your family.

Accident, Sickness & Unemployment Cover (ASU) - Provides short-term income protection if you can’t work due to illness, injury, or redundancy.

Home and Contents Insurance - Protects the property and possessions you’ve worked hard for.

Relevant Life and Key Person Insurance - Protect your business against the financial impact of losing a key employee, director, or shareholder. Relevant Life Cover offers tax-efficient personal protection for business owners, while Key Person Insurance helps safeguard your company’s cash flow and stability if someone essential to operations becomes critically ill or passes away.

Every policy we recommend is tailored to your circumstances - no “one-size-fits-all”.

Why Choose Greenshoots Financial

Local and Independent - Based in Kilcreggan, we’re not tied to any lender or insurer.

CeMAP Qualified Advice - Regulated, ethical, and focused on doing what’s right for clients.

Personal Service - No call centres. No jargon. Just real people who listen.

Support Beyond the Mortgage - From insurance to financial well-being, we’re here for the long term.

A team HQ in Bathgate with decades of experience and support.

We believe financial confidence grows when you have a trusted adviser by your side. Your mortgage and protection decisions shape your financial future. Let’s make sure they work for you.

Call Lorraine on 07789942279 or email lorraine@greenshootsfinancial.com. Alternatively, you can complete the details in our live chat, and we will be in touch to arrange an initial chat. Because good advice shouldn’t feel complicated - it should feel like a fresh start.