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

28/08/2026

First-time buyer? Here’s what a broker actually does for you.

Buying your first home comes with a lot of new terms and a lot of decisions. A broker’s job is to make that easier.

We search the whole market, not just one lender, so you see the deals that actually suit your situation. We help you understand what you can borrow and what fits your budget, not just the headline rate. We handle the paperwork and keep things moving, so you know what’s happening and when.

Every recommendation we make is checked against your circumstances first. That’s what “whole of market” and “regulated advice” really mean in practice.

If you’re starting to think about your first home, get in touch. We’ll talk you through it, no pressure, no jargon.

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

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

22/08/2026

Words like these are why we do this. 💚

Buying a home. Protecting your family. Getting your affairs in order for the people you love. These are some of the biggest decisions anyone makes, and they can feel overwhelming. Our job is to make them simple, and to be there at every step, however long that takes.

That’s what these reviews are really about. Not just mortgage deals and insurance policies, but people feeling supported, understood and looked after when it mattered most.

Tom, Faith, Laura, Samantha, Elyse & Craig, Steven, Anne and Rikky, thank you for trusting us and for taking the time to share your experience. It means more than you know.

If you’re facing a big financial decision and want someone in your corner, we’d love to help.

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

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

20/08/2026

Could a myth be standing between you and your first home?

New Lloyds research found 58% of first-time buyers rule themselves out of a mortgage before they even apply. Not because a lender said no, but because they assumed the answer would be no.

The myths people believe will get them rejected: existing debt, an overdraft, receiving benefits, a recent job change, an imperfect credit score, or being self-employed. None of these automatically rule you out. Mortgage decisions look at the whole picture of your finances, not a single box left unticked.

The research also found people cutting back on holidays, eating out and new clothes, and even delaying things like having children or getting married, all in the hope of boosting their chances. That’s a lot of sacrifice based on assumptions that might not be true.

A few things worth knowing:

Build a relationship with your broker and stay in touch. Lending criteria can change daily, and it’s our job to keep on top of that. The opportunity that wasn’t there for your situation last month may be there now.

Don’t self-assess. What rules one lender out doesn’t rule all of them out.

Ask before you assume. A five minute conversation can save months of unnecessary waiting.

If you’re not sure where you stand, speak to us before you rule yourself out. You might be in a stronger position than you think.

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

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

19/08/2026

Big news for first-time buyers in Scotland 🏡

The LIFT Open Market Shared Equity Scheme (OMSE) has reopened, and it could be exactly what closes the gap between what you can afford and what you need to buy.

How it works: the Scottish Government contributes 10-40% towards your home, you cover the rest with a mortgage and deposit, and there’s no rent or interest on their share while you live there.

Who can apply:

🔑 First-time buyers
🔑 Social renters
🔑 People with a disability and a housing need
🔑 Armed forces personnel and veterans (within 2 years of leaving)
🔑 War widows, widowers and partners
🔑 Over 60s with a housing need

Price thresholds have also been updated, so it’s worth checking again even if you looked before and thought it wasn’t for you.

If you want to know whether OMSE could work for you, message us.

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

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

Congratulations to Emma Walker, shortlisted for Rising Star - Intermediary! 🎉Emma is the only Scottish nominee in this y...
18/08/2026

Congratulations to Emma Walker, shortlisted for Rising Star - Intermediary! 🎉

Emma is the only Scottish nominee in this year’s category, and we’re delighted to see her recognised alongside advisers from across the UK.

Well done, Emma. This nomination is well deserved, and we’re all cheering you on. 👏🏻👏🏻👏🏻

Yesterday the team spent the day with three specialist lenders: Foundation, Paragon and Aldermore.Why does this matter t...
14/08/2026

Yesterday the team spent the day with three specialist lenders: Foundation, Paragon and Aldermore.

Why does this matter to you? Specialist lenders often have the most flexible criteria on the market. They’re the ones who can say yes when a client’s situation doesn’t fit the standard mould. Self-employed income, credit blips, complex buy-to-let structures, later life borrowing. These lenders live in that space.

As a whole of market broker, we don’t work from a shortlist. We search the full market for the right deal, and days like this keep us sharp on exactly what each lender can offer right now. Criteria changes all the time. Staying close to the people behind the products means we can move fast for our clients when it counts.

Great to get the team together and keep learning. 🌱

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

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

12/08/2026

Some mornings even the coffee agrees with us.

A little sign that growth starts small. Whether you’re taking your first step onto the property ladder or looking to remortgage, every big move starts with a small one.

Get in touch with the Greenshoots team for a chat about your next step.

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

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

10/08/2026

Did You Know? Some lenders will actually reward you for making your home greener.

Improve your home’s energy efficiency and you could unlock cashback, better rates, or a bigger borrowing amount, just for having a higher EPC rating.

We’re talking up to £2,000 back for energy-saving improvements, and extra cashback simply for buying or remortgaging a home rated A or B.

It pays to know what’s out there. Speak to us and we’ll walk you through what could work for your home.

📩 [email protected]

Please note your home may be repossessed if you do not keep up repayments on your mortgage.
Greenshoots Financial is authorised and regulated by the Financial Conduct Authority.

Address

Unit 1, Waverley Street Industrial Estate
Bathgate
EH484JA

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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