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INDEPENDENT MORTGAGE BROKERS
YOUR ULTIMATE GUIDE TO MORTGAGE SOLUTIONS IN BATHGATE AND BEYOND
Are you buying your first home, remortgaging, or seeking property investments in Bathgate, West Lothian, or across Scotland? Greenshoots Financial, Bathgate's esteemed independent mortgage brokers, leverage over thirty years of industry experience to provide tailored mortgage and insurance advice that fits your unique needs.
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Why Choose Us?
Navigating the maze of mortgage options can be daunting. That's why Greenshoots Financial is committed to simplifying the process.
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Expert Guidance: We offer personalised, impartial advice and survey the entire mortgage market to find the best rates for you.
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Time and Money Savings: Our expertise saves you the stress and time spent navigating complex mortgage applications while securing the best mortgage deals for you.
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Broad Knowledge: We provide advice on a variety of mortgages, including buy-to-let
​We offer impartial, custom-tailored advice. We survey the whole market to discover the most advantageous rates and provide mortgage advice tailored to your needs. For additional information, please refer to our Frequently Asked Questions.
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Our Services
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We offer a comprehensive range of mortgage services tailored to your specific needs. For mainstream mortgages, such as those for First-time Buyers, Home Movers, and Remortgages, you will find our offerings at par with the best in the industry. However, we also have expertise in Specialist Lending Mortgages. We have years of experience and a deep understanding of:
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Buy-to-let Mortgages
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Lifetime Mortgages
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Equity Release
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Bridging
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Debt Consolidation Mortgages
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Second Charge Mortgages​​​​
THINGS YOU NEED TO KNOW
At Greenshoots Financial, we prioritise clarity, value, and integrity.
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Our expert advice is complimentary, but we charge for our financial services and application process. Fees typically range between £395 and £995, depending on the required amount of research and admin work. We will keep you informed about all costs from the start so you can budget accordingly and there are no hidden costs.
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As your trusted mortgage partner, we provide full-service guidance throughout your mortgage journey. Our dedicated team invests significant time and effort in exploring and analysing mortgage and insurance options on the market, ensuring we match the right products to your specific needs. We offer advice, arrange the mortgage, and handle the process for you.
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Our fee is only due when you've successfully found a property and sent a complete application to your chosen lender. This is a one-time fee, and we continue overseeing your mortgage at no extra cost, ensuring a hassle-free process.
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Your trust matters to us, and we commit to consistently providing exceptional service. We appreciate you choosing Greenshoots Financial and are eager to embark on this journey with you!
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Always remember that defaulting on your mortgage repayments could result in the repossession of your property. The Financial Conduct Authority doesn't regulate some types of buy-to-let mortgages.
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.
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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.
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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.
​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.
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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.