Mortgage Livingston
Looking for expert mortgage advice in Livingston? Our specialist advisers guide first-time buyers, remortgage clients, and buy-to-let investors through every step — making your mortgage journey simple and stress-free.
Mortgage Solutions in Livingston
Unrestricted access to mortgage products and a wide range of insurance providers allows us to offer mortgage and protection advice tailored to the individual needs of every client in Livingston. We believe in complete transparency, which is why our fees and services are clearly explained from the start with no hidden costs or unexpected charges.
PURCHASE
£395*
- Initial consultation with a mortgage advisor
- Agreement in Principle at no extra cost
- Support after your offer accepted stage
- Access to the whole mortgage market
- Assistance choosing solicitors and surveys
- Administration support throughout the process
- Award-winning protection advice
- Help understanding mortgage repayments and monthly mortgage payments
REMORTGAGE
£199*
- Pay only when you receive a mortgage offer.
- Initial consultation — approximately 2 hours one-to-one with your advisor.
- Agreement in Principle which you don't pay for!
- Assistance in submitting an offer.
- Access to the whole of the market.
- Assistance in choosing your solicitor.
- Administration support.
- Award-winning protection advice.
- Whether your current deal is ending or you want to save money, we compare lenders and secure a better rate.
BUY TO LET
£495*
- Pay only when you receive a mortgage offer.
- Pay only once — even if you lose the property.
- Initial consultation — approximately 2 hours one-to-one with your advisor.
- Agreement in Principle which you don't pay for!
- Assistance in submitting an offer.
- Access to the whole of the market.
- Assistance in choosing your solicitor.
- Administration support.
- Award-winning protection advice.
Complex Situation
Bespoke
Quote
Got a complex situation in Livingston?
Whether you have adverse credit, are self-employed, a foreign national, or face an unusual property situation in Livingston, we tailor our approach to your unique circumstances. Pricing is bespoke and agreed upfront before any chargeable work begins.
- Adverse credit
- Self-employed
- Non-UK residents
- Complex income
- Unusual property types
Referred clients may qualify for a discount — learn more.
There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances i.e credit history, employment record.
This will typically be £395 for purchases, remortgages £199 and we will not charge for a Product Transfer.
We will provide you written confirmation of your fee prior to the commencement of any chargeable activity.
Small Action, Big Impact — £25 Donated with Every Policy
For every insurance policy taken out with us, we donate £25 to trusted charitable causes at no extra cost to you. We are also proud to support the Cancer Fighters Foundation in their mission to help people affected by cancer.
* Applies to new qualifying insurance policies only. Excludes General Insurance, renewals & cancellations. Funded by us at no cost to customers.
Award-Winning Services
We are proud to be an award-winning mortgage and protection team recognised for delivering trusted mortgage advice and exceptional customer service.
Free Initial Consultation
Speak with a qualified mortgage advisor during a free consultation. We'll discuss your goals, review your circumstances, explain mortgage options available, and help you understand what you may be able to borrow before submitting any application.
Mortgage Calculators
Use our free calculators to plan your finances and understand exactly what you can afford before speaking to an advisor.
Affordability Calculator
Find out how much you can borrow
Mortgage Borrowing Calculator
Estimate your borrowing potential
Mortgage Repayment Calculator
Calculate your monthly repayments
Remortgage Calculator
See how much you could save
Stamp Duty Calculator
Work out your stamp duty costs
12 years of getting it right
12 years in the business means we've seen every situation and know what actually works.
Learn all about usWhy Homebuyers in Livingston Choose Us
Whole of Market
We search 90+ lenders and 12,000+ products to find the best deal tailored specifically to your needs — not just what one bank offers.
FCA Regulated
Fully authorised and regulated by the Financial Conduct Authority (ref: 780408), giving you complete peace of mind.
Bilingual Support
Fluent in both Polish and English, our dedicated team provides clear communication and professional support throughout the entire process.
Award-Winning Service
Recognised by Stonebridge for exceptional performance two years in a row — a testament to our commitment to clients.
No Hidden Fees
Transparent, honest advice from start to finish. You always know exactly what to expect — no surprises, no jargon.
820+ Five-Star Reviews
Trusted by hundreds of clients across Google and Facebook who recommend us for our professionalism and results.
Advice that's personal.
And always right for you.
We believe everyone deserves expert, impartial mortgage advice — delivered with care, precision, and a genuine commitment to your long-term wellbeing.
Book a free consultationBespoke advice, tailored to you
Every mortgage journey is unique. That's why we take the time to understand your circumstances, ambitions, and long-term goals before offering carefully considered recommendations. With personalised guidance at every stage, you can move forward with complete confidence.
Your dedicated mortgage team
You'll be supported by your own dedicated mortgage advisor and case administrator, providing a seamless and highly personal experience from beginning to end. No call centres, no repeating your story — just trusted experts who understand your needs and are committed to delivering exceptional service.
Access to exceptional mortgage opportunities
We work with an extensive panel of lenders, including access to exclusive mortgage products not always available on the high street. Combining sophisticated technology with expert market insight, we identify carefully selected solutions tailored to your circumstances and financial goals.
Seamless support, every step of the way
From initial application through to completion, we manage every detail on your behalf. From handling documentation and liaising with all parties involved to keeping you informed throughout, our role is to ensure your experience is smooth, efficient, and entirely stress-free.
A relationship that extends beyond completion
Our service doesn't end once your mortgage is in place. We continue to monitor the market and your circumstances, proactively reviewing opportunities that may better serve you over time. We can also provide bespoke protection advice, helping you safeguard what matters most — your home, your family, and your future.
Mission, Vision & Values
Our Mission
To make mortgage advice accessible, transparent, and stress-free for every client. We guide individuals and families through every step of the mortgage process, ensuring they secure the right deal for their circumstances with no hidden costs and no unnecessary jargon.
Our Vision
To be the most trusted mortgage and financial solutions provider in the UK — known for exceptional service, expert advice, and a genuine commitment to improving the financial wellbeing of our clients and the communities we serve.
Our Values
Integrity, transparency, and dedication are at the heart of everything we do. We treat every client as an individual, communicate clearly and honestly, and go the extra mile to deliver results. We believe great service and genuine care make all the difference.
Begin your mortgage journey
with confidence
Your mortgage experience should feel seamless from the very first conversation. Choose how you'd like to get started.
Book your private consultation
Your mortgage experience should feel seamless from the very first conversation. Whether you choose to meet us in person or arrange a private video consultation, we'll tailor every step around your schedule and your individual needs.
Book a consultationVisit one of our branches
For those who prefer a more personal experience, our branches offer a welcoming and discreet setting to discuss your plans with one of our mortgage specialists. We're here to provide expert guidance and help you move forward with clarity and confidence.
Find your nearest branchSpeak with a dedicated specialist
Prefer to talk things through straight away? Our experienced mortgage advisors are available to offer immediate support, answer your questions, and provide personalised guidance whenever you need it.
03456 461 941MEET OUR TEAM
A financial advisor is there to help you at every stage of the transaction and save your time by matching the best product to your needs and expectations.
Frequently Asked Questions About Mortgages in Livingston
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CONTACT
For more information on our services, simply get in touch today.
Office
Address
343 Millbrook Road West
Southampton SO15 0HW
Phone
Opening Hours
Find Us
Information on the processing of personal data
Send Us a Message
There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances i.e credit history, employment record.
This will typically be £395 for purchases, remortgages £199 and we will not charge for a Product Transfer.
We will provide you written confirmation of your fee prior to the commencement of any chargeable activity.
Your home is at risk if you do not keep up repayments on a mortgage or other loan secured against it.
Step by Step Financial Solutions Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register under firm reference number 780408.
Step By Step Financial Solutions is registered in England and Wales under company number 08946989 at registered address Unit 314, Solent Business Centre, 343 Millbrook Road West, Southampton, SO15 0HW.
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