Let's work together...even with social distancing

We have longer opening hours 7.00am to 7.00pm and can work with you via phone, email or video!

Independent Mortgage Brokers in Bathgate

Open 7.00 am to 7.00 pm - talk to us before or after work - it's your choice!

Our Services

home mover

Home Mover

We will arrange your mortgage with minimal stress and distraction

1st Time Buyers

First Time Buyer

It's an exciting time buying your first home - let us help make it happen!

home improvers


Want to make improvements or raise some extra capital?

Buy To Let

Buy To Let

Rents are averaging at £900 per month - fancy becoming a landlord?

Older couple

Equity Release

Increase your income by releasing equity in your home

Secured Loans

Secured Loan

Why put off until tomorrow what you could have today!

Commercial Loans


Want to buy a business or refinance one?



Protection insurance ensuring peace of mind and security

We're perfectly positioned...

to serve you with professional mortgage advice all across  Scotland from our central base here in Bathgate.

More than

mortgages arranged


Years of experience

More than

Clients and counting!
Home movers and first time buyers
Play Video

Watch the video

and then get in touch!


Tom Lamb CeMap, CeRER

Director TL Financial Solutions Ltd

I have been advising clients in Scotland on domestic and commercial finance related services for over 20 years. As an Independent Mortgage Broker, I have access to both mainstream mortgage  arrangements and niche products that are not available on the high street. 

My purpose is to save you time, stress and the costly mistake of choosing the wrong type of arrangement.


Most frequent questions and answers

Yes! Please call to arrange either a telephone appointment or a video call. 

Our fees vary depending on the service we provide for you. All fees are disclosed before we transact business on your behalf. Please download our terms of business. 

I prefer to deal with clients face to face and being centrally placed means I can travel easily to most regions of Scotland. However, we can conduct business online to accommodate social distancing rules.

Yes, equity release schemes are available to home owners from the age of 55.

Yes, we can help contractors with mortgages!

What clients say about us.

‘I used TL financial solutions when purchasing my first home. Tom was extremely professional throughout the process, very respondent and knowledgeable. His experience shines through. I would definitely recommend.
Natalie Elphinstone