MORTGAGES

Moving is one of the most stressful life events and whether you are a first time buyer, homemover or a client remortgaging, you need someone to guide you, talk to, and help you at every step and that is what we do.

Clients we help

FIRST TIME BUYERS

New to the market, not sure how it all works, how much can you afford, what are your options, where do you start?

First time buyers have so many questions and we like to be a place where all questions can be answered and that your first purchase is a stress free as possible.

REMORTGAGES

Are you coming to the end of your current rate and want to find a new product? You may want to release equity from the property, make overpayments or change the mortgage term.

We will review what your current lender can offer versus the whole of the market to ensure you get the most suitable product.

HOME MOVERS

Are you looking for a new mortgage for your new purchase?

Perhaps you have a mortgage on your current home which you want to keep and transfer to your new home or you may want to discuss the options of keeping your current home and letting it out.

Whatever the option we are here to help.

BUY-TO-LET LANDLORDS

Are you a first time landlord, a first time buyer wanting an investment property, someone who wants to let out their existing home or simply buy a property for investment purposes?

We also work with the property portfolio client where property management tends to be your main busines, who own more than 5 properties and want to or have built their portfolio to significant levels.

Products we advise on

Adverse and Credit Impaired Mortgages

Bridging and Development Finance

Ex Pat Mortgages

Holiday and Second Home Mortgages

HMOs

Interest Only Mortgages

Large Loans

Offset Mortgages

Product Transfers

Retirement Mortgages

Shared Ownership and Right to Buy.

‘Your home may be repossessed if you do not keep up repayments on your mortgage'

Our areas of specialism

We try to help everyone where we can.

Our areas of specialism include:

It is out policy to provide all our clients with the most suitable advice and product, by utilising our knowledge and expertise in a competitive market. We aim to do this in the most efficient manner, by working closely and expediently with our clients.

Divorce or separation planning

The Self Employed

Contractor Mortgages

First Time Buyers

UK residents with Rights to Reside and Visas

Retirement Option Mortgages

Debt consolidation

Why use Evermore Mortgages?

We save you time and we can save you money.
We are part of a large network and you will gain access to Mortgage Lenders and exclusive mortgage rates not available to you on the open market.
We take away the complication and find the best solutions suited for your personal circumstances.
Your situation may be complex but we will know if it can work and who is best suited for you.
We want you to ask questions, we ask that you ask questions.

Our aim is to provide you with the best

possible service.

Benefits as an existing client.

We contact you prior to your mortgage rate ending to ensure you have sufficient time to review your options.
We have an open door policy. You can contact us at any time for a free review of your existing mortgage, or a review and discussion of your future plans.
You can opt in to regular newsletters and tailored documents of interest being sent out.
We offer reduced fees to repeat clients.
And we will reward you if you refer us.

Our aim is to look after you for the long term.

Tip 1

You do not have to have been in your position at work for a certain period of time before you can get a mortgage. Some lenders can work from day 1 of employment, some can even work from a future contract.

Speak to us for advice.

Tip 2

Check the lease if you are buying a flat. Leases of less than 75 years can impact your lender options. They can also be costly to extend so speak to your solicitor about the costs and process.

Speak to us before you make an offer.

Tip 3

If you have a limited company there are lenders who can use your net profit and PAYE figures rather than dividends and PAYE, which can sometimes be limiting on affordability.

Speak to us when assessing your options.

Tip 4

Do not assume your current mortgage lender will offer you the best terms just because you are an existing customer. Always check the whole of market. It is worth the effort.

Speak to us before you make a decision.

mortgage tips