Welcome to Bridges Financial Services: Mortgage advice for every step of the property journey.
Bridges Financial Services is proud to work alongside Bridges Properties as its trusted mortgage and protection advice partner. We provide clear, transparent mortgage and protection advice to first-time buyers, homeowners, property investors, and those looking to review their existing mortgage arrangements.
About Us
Our role is simple: we help you understand what you can afford, guide you through the property buying process and ensure the home you purchase is properly protected.
Through clear advice, a structured approach and ongoing support, we aim to make the mortgage process easier to understand and far less stressful.
At Bridges Financial Services, everything we do is built around a simple philosophy:
Prepare to Buy. Purchase with Confidence. Protect What Matters.
First Time Buyers
Buying your first home is an exciting step, but the mortgage process can often feel confusing or overwhelming.
At Bridges Financial Services, we help first time buyers understand exactly what they can afford, prepare for the property market and navigate the buying process with confidence. From arranging your Agreement in Principle to guiding you through each stage of the purchase, our goal is to make your first step onto the property ladder as clear and straightforward as possible.
Home Movers
Moving home often involves balancing the sale of your current property with the purchase of your next one.
Our advisers help you understand your borrowing position, explore your mortgage options and plan your next move with confidence. Whether you are increasing your borrowing, porting your existing mortgage or starting fresh with a new lender, we guide you through the process so you can focus on finding the right home.
Remortgaging
When your current mortgage deal is coming to an end, it is important to review your options rather than automatically moving onto your lender’s standard variable rate.
We help homeowners review their mortgage arrangements, explore available options and secure a suitable new deal. During your review, we also take the opportunity to reassess your financial circumstances and ensure your mortgage and protection arrangements continue to meet your needs.
Some buy to let mortgages are not regulated by the Financial Conduct Authority.
Buy to Let
Property investment requires careful planning and the right financing structure.
Our advisers work with landlords and property investors to explore borrowing options, understand lender criteria and plan their next investment. We can also connect investors with Bridges Property Management, helping align your mortgage strategy with professional letting and management support.
The Financial Conduct Authority does not regulate some forms of Buy to Lets
Comparing over 90 lenders to get you
the best deal
Different lenders offer different rates, criteria and affordability — which means the right mortgage isn’t the same for everyone.
We compare a range of lenders and recommend a mortgage that’s suitable for your circumstances, helping you make a clear and informed decision.
Protection
Taking out a mortgage is a long-term financial commitment, and it is important to consider how you would maintain your payments if your circumstances changed. At Bridges Financial Services, we help you understand the risks and explore suitable protection options to support you and your family. This may include life insurance, critical illness cover or income protection, all tailored to your needs and explained in a clear and straightforward way. Our approach is simple — not just helping you buy your home, but helping you keep it.
Home Insurance
Once you have found your property, it is essential to make sure it is properly protected.
We help arrange buildings and contents insurance to ensure your home and belongings are covered from the moment you move in. Our advisers will explain your options clearly and help you choose a policy that suits your property and circumstances. It’s about giving you peace of mind, knowing your home is protected from day one.
Contact Us
- Bridges Financial Services
- 15 Shairps Business Park
- Livingston
- Eh54 5FD
- Get in Touch
- 01501519435
- info@bridges-fs.co.uk
- Opening Hours
- Monday 9am - 5:30pm
- Tuesday 10:30am - 5:30pm
- Wednesday 9am - 5:30pm
- Thursday 9am - 5:30pm
- Friday 9am - 5:30pm
- Saturday 9am - 12pm
- Sunday Closed
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Ready to start your mortgage journey?
FAQs
The amount you can borrow depends on your income, outgoings, deposit and overall financial position.
At Bridges Financial Services, we will assess your situation in detail and give you a clear understanding of your borrowing capacity. We will also arrange an Agreement in Principle where appropriate, so you know exactly where you stand before making an offer on a property.
It’s not always required, but we strongly recommend having one in place before making an offer.
An Agreement in Principle gives you a clear understanding of your budget and shows sellers and estate agents that you are a serious buyer. It also helps avoid delays once you find a property you want to proceed with.
The earlier the better.
Speaking to an adviser before you start viewing properties allows you to understand your position properly and avoid unnecessary stress later. Our process is designed to prepare you before you commit, so you can move forward with confidence.
No — you can use Bridges Financial Services to purchase any property, regardless of which estate agent is selling it.
While we work closely with Bridges Properties, our service is available to support you wherever you choose to buy
Yes.
If you are not quite ready to buy, we can help you understand what steps you need to take and create a clear plan to get there. Whether it’s building a deposit, improving your credit position or understanding affordability, we provide guidance to help you move forward at the right time.
