Mortgage Broker Livingston
Award-Winning, Whole-of-Market Mortgage Advice for First-Time Buyers, New Builds, Home Movers & Remortgages Across Livingston and West Lothian
Best Mortgage Experts for Livingston
Prestige Mortgage Solutions Ltd helps buyers and homeowners throughout Livingston — from Murieston, Eliburn and Dedridge to Craigshill, Deans, Howden and Livingston Village. Sitting on the M8 corridor between Edinburgh and Glasgow, Livingston is one of Scotland's most popular commuter towns, and its fast-moving new-build market brings its own mortgage questions: builder deadlines, incentives, and lender rules on new properties. We handle all of it.
With whole-of-market access and flexible online or phone appointments, we give you personalised advice whether you're a first-time buyer, moving home, remortgaging, self-employed, buying to let, or rebuilding after credit problems.
Mortgage Solutions Available to Livingston
First-Time Buyer Mortgages
Remortgage Livingston
Moving Home
Self-Employed Mortgages
Buy to Let Livingston
Bad Credit Mortgages Livingston
Mortgage Advice West Lothian
New Build Mortgages Livingston
Whole Of Market Mortgage Livingston
Mortgage Capacity Report
What Livingston Clients Say About Us
"From the first chat on the phone to the last Chris was massively helpful and guided us through everything and was right at the end of the phone if we needed to ask anything . Would highly recommend...."
Kirsty
"Chris was fantastic from start to finish. Very professional. Thanks again for everything Chris."
MICHAEL VALENTINE
"First class service, helped us get our mortgage when we moved after struggling massively because both of us were self employed and my business was new at the time! Both Sian and Chris are amazing at what they do!"
Paul Dickson
3 Steps to Get Your Livingston Mortgage
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Step 1: Book a Free Appointment
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Step 2: We Search Whole of Market
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Step 3: We Handle Everything
Trusted Mortgage Advice Across Livingston & West Lothian
Local Expertise, National Reach
Prestige Mortgage Solutions serves every corner of Livingston and the wider West Lothian area, including Bathgate, Broxburn, Uphall, East Calder, Mid Calder, West Calder, Whitburn, Armadale, Blackburn and Linlithgow. From established estates to the newest developments, we understand what local buyers face — competitive "offers over" pricing, new-build reservation deadlines, and Scottish schemes such as LIFT for eligible first-time buyers.
Wherever you are in West Lothian, our FCA-regulated advisers combine local market knowledge with access to lenders across the whole UK market, so your mortgage fits your circumstances — not the other way round.
Recognised & Regulated
2023
Prestige Awards Winner
Honored for outstanding mortgage advisory services across Scotland.
2022
Financial Adviser of the Year
Awarded for exceptional client service and innovative mortgage solutions.
2021
Business Excellence Award
Recognised for excellence in customer satisfaction and industry leadership.
Are you looking fo a expert Mortgage Broker Livingston?
Why not book an appointment and see how we can help you!
Do I need a local mortgage broker in Livingston?
Yes. A broker who knows the Livingston and West Lothian market — including new-build developments, "offers over" pricing and local commuter demand — can match you with the right lender faster and get you offer-ready before you bid.
Can I get a mortgage on a new build home in Livingston?
Yes. We regularly arrange new-build mortgages across Livingston's developments, working to builder reservation deadlines and with lenders who offer extended mortgage offer periods and accept builder incentives.
How much does a mortgage broker in Livingston cost?
Our initial consultation is completely free with no obligation. A typical arrangement fee of £499 is only charged once you receive a successful mortgage offer, so there's nothing to pay upfront.
Are there schemes to help first-time buyers in Livingston?
Potentially, yes. Eligible buyers in Scotland may qualify for the LIFT Open Market Shared Equity scheme, and first-time buyer LBTT relief reduces the tax on your purchase. We'll check what you qualify for at your free consultation.
Can I get a mortgage in Livingston if I'm self-employed or a contractor?
Yes. We work with lenders who understand self-employed accounts, day-rate contracts and umbrella arrangements — common among West Lothian's commuting professionals — and assess your true affordability, not just payslips.
Can I get a mortgage in Livingston with bad credit?
In many cases, yes. Defaults, CCJs or missed payments don't automatically mean a decline. We work with specialist lenders who consider applicants with imperfect credit histories across Livingston and West Lothian.