GreenShoots Financial Mortgage Broker

GreenShoots Financial Mortgage Broker Independent Mortgage Brokers and Insurance Advisers. HQ Bathgate, West Lothian
Hubs: Livingston & Kilcreggan

GreenShoots Finanical Ltd was founded in 2013, by owner Donna Murray. Her original ethos remains a constant today, with an emphasis on delivering first-class service and putting you first. We offer protection advice to best suit you and your needs and as a result have inspired great client loyalty, enjoying many long-term relationships with both clients and providers alike. Our advisors will guide

you through a comprehensive range of protection and other associated services including:

Mortgages
Re-mortgages
Buy-to-Let
Life Insurance and Critical Illness Cover
Income Protection
General Insurance
Landlord Insurance

Hip Hip Hooray 🎉Greenshoots would like to wish the children of Bathgate a happy Galaday Bathgate procession is one of th...
06/06/2026

Hip Hip Hooray 🎉

Greenshoots would like to wish the children of Bathgate a happy Galaday

Bathgate procession is one of the most exciting days of the year for many of our customers and there families.

Hopfully the sun shines bright for all the kids today ☀️

04/06/2026

🎂 Happy 13th birthday, Darcy!

Today, Donna’s granddaughter Darcy turns 13, and the whole Greenshoots Financial team is wishing her an amazing time!

Those of you who know Donna will know that family sits at the heart of everything she does, and Darcy is a shining light in hers.

Darcy is a student at Next Step Dance, and we have been proud to support them over the years. If you haven’t come across them, they are a fantastic dance school with some wonderful young talent coming through.

Business is personal at Greenshoots Financial. The people around us, the families and friendships behind everything we do, and the moments worth stopping to celebrate along the way - these matter deeply to us.

Here’s to you, Darcy. Happy birthday! 🌟🎂

Donna Kerr

Private medical insurance can do far more than cover the cost of treatment if you’re diagnosed with cancer.Greenshoots F...
02/06/2026

Private medical insurance can do far more than cover the cost of treatment if you’re diagnosed with cancer.

Greenshoots Financial recently spoke with Vitality’s Business Development Manager to explore what Advanced Cancer Cover can mean for clients in practice - and the level of support available is significant.

Cover can include:

• Chemotherapy, radiotherapy and hormone therapies
• Biological, targeted and immunotherapy treatments
• Cancer surgery and reconstructive procedures
• Access to screenings and preventative support

Beyond treatment, additional features can include scalp cooling during chemotherapy, support with wigs and restyling, mastectomy bras and external prostheses, and personal cancer risk assessments covering bowel, breast, cervical, prostate and skin cancer.

Private medical insurance is not just about clinical cover. It is about practical, joined-up support from diagnosis through to recovery.

As whole-of-market brokers, Greenshoots Financial review products from a wide range of insurers before making any recommendation - helping clients find cover that suits their individual needs and circumstances.

If you would like to explore your options, get in touch with the team. 🩷

Cover features are subject to individual policy terms, conditions and eligibility criteria. This post is for information purposes only and does not constitute personal financial advice.

Big news for first-time buyers in Scotland!The Scottish Government has announced the First Homes Fund - up to ÂŁ10,000 to...
29/05/2026

Big news for first-time buyers in Scotland!

The Scottish Government has announced the First Homes Fund - up to ÂŁ10,000 towards your deposit, launching by end of June 2026.

Sounds great, right? It really could be. But before you get too excited, here is what you need to know before you start making plans around it.

The good stuff:

Up to ÂŁ10,000 shared equity contribution towards your deposit. Available on new builds AND existing properties. Property value up to ÂŁ300,000. No monthly payments, no interest. Government share repaid when you sell.

The bit the headlines are glossing over:

The full scheme rules are not published yet. We do not know exactly how lenders will treat it - and that matters, because some mortgage products exclude affordable housing schemes. The ÂŁ10,000 helps with your deposit, but lenders will still assess your income and affordability in full.

This is exactly why getting proper advice matters. A scheme that looks perfect on paper can work very differently depending on your circumstances, your income, and which lender and product is right for you.

We are keeping a close eye on this as the full guidance comes out, and we will keep you updated right here.

In the meantime, if you are a first-time buyer wondering whether this could work for you, drop us a message. We are happy to have a no-obligation chat.

Greenshoots Financial - helping you make sense of it all.

Please remember that your home may be repossessed if you do not keep up with your mortgage repayments.

27/05/2026

Your bank can only offer you one thing. We can offer you far more.

When you go directly to a bank for a mortgage, you get their products. That’s it. They’re not looking at what else is out there - they’re selling what they have.

A mortgage broker works differently.

We search across the whole market - a wide range of lenders and products - to find what actually fits your situation. Not just what’s available on the high street.

Your bank might know your name. But they’ll still only show you their own deals.

We have no loyalty to any lender. Our only job is to find the most suitable mortgage for your circumstances.

That means if your situation is straightforward, we search for the most competitive deal we can find for you. And if your situation is more complicated - self-employed, complex income, credit history that isn’t perfect - we know which lenders are most likely to help, and why.

Going straight to your bank isn’t wrong. But it means you’re only ever seeing part of the picture.

We show you the whole thing.

Greenshoots Financial are authorised and regulated by the Financial Conduct Authority.

Please note home may be repossessed if you do not keep up repayments on your mortgage.

⭐ ⭐ Award Nomination ⭐ ⭐ Greenshoots Financial is proud to have been nominated for Equity Release Adviser of the Year at...
22/05/2026

⭐ ⭐ Award Nomination ⭐ ⭐

Greenshoots Financial is proud to have been nominated for Equity Release Adviser of the Year at the 2026 Moneyfacts Awards.

Both Donna Murray and Collette Campbell are qualified Equity Release advisers within the business, providing clear, supportive guidance to clients considering their later life lending options.

It’s great to see their work recognised as part of these awards.

Yesterday, Donna and Collette attended the British Specialist Lending Awards - and what a day it was. ✨Collette didn’t t...
15/05/2026

Yesterday, Donna and Collette attended the British Specialist Lending Awards - and what a day it was. ✨

Collette didn’t take home the trophy - but she was the only Scottish finalist across every category at the awards.

We are so proud of her, and so grateful to everyone who has supported her work with adverse credit clients across Scotland.

In her own words:

“I didn’t take home the trophy, but being the only Scottish finalist across every category at the Specialist Lending Awards means a great deal to me. Adverse credit clients are often the ones who need the most careful, considered advice - and being recognised for that work, at this level, is something I’m genuinely proud of.”

We couldn’t agree more, Collette. 🏆



Donna Kerr Collette Campbell

London bound. 🚂Donna and Collette are heading to the British Specialist Lending Awards today as Collette has been nomina...
14/05/2026

London bound. 🚂

Donna and Collette are heading to the British Specialist Lending Awards today as Collette has been nominated for an award in the Adverse Credit Broker category.

Adverse credit is one of the most nuanced areas of mortgage advice. It takes patience, knowledge, and a genuine commitment to finding a way forward for clients when others have said no. Collette does that every day.

Well done to Collette and all the nominees!

Go on, Collette. Bring it home. 🏆 We’re all cheering you on. 🙌🙌🙌

Collette Campbell Donna Kerr

13/05/2026

Did you take out an income protection policy a few years ago?

If so, it is worth knowing that exclusions added to your policy at the time may no longer reflect your current situation.

Exclusions are often added based on your health, occupation, or circumstances at the point of application. But circumstances change. A condition that was flagged as a risk when you first applied may now be viewed differently by an insurer, and exclusions that felt like a permanent fixture on your policy may actually be worth revisiting.

This is not something most people are told to do. But a regular review of your income protection cover could mean you have better protection in place than you think, or that you identify gaps you were not aware of.

If you have not looked at your income protection policy recently, now is a good time to start.

What a night! Some of the Greenshoots team had the best time at the S.M.I.L.E. Counselling ball on Saturday and we are s...
12/05/2026

What a night!

Some of the Greenshoots team had the best time at the S.M.I.L.E. Counselling ball on Saturday and we are still smiling.

S.M.I.L.E. provide free counselling to young people aged 11 to 24 across West Lothian who are going through emotional pain and difficulty. They show up for young people who need support, and they do it quietly, consistently and without fanfare. That matters enormously to us.

We are proud to support what they do and even prouder of the community around them. If you have never heard of S.M.I.L.E. go and find them. They are the real deal.

Smile Counselling

Address

133 Glasgow Road
Bathgate
EH482QN

Opening Hours

Monday 9am - 7pm
Tuesday 9am - 7pm
Wednesday 9am - 7pm
Thursday 9am - 7pm
Friday 9am - 7pm
Saturday 10am - 4pm
Sunday 10am - 4pm

Telephone

+441506537111

Website

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