Chris Evans Mortgage Services

12/05/2026

Clear your diary

For many first time buyers, the real challenge isn’t paying the mortgage, it’s getting the deposit together.

That’s why, on Monday 18th May we are launching a £5,000 deposit mortgage for First Time Buyers. Too many aspirational buyers are doing the right things but remain locked out, because traditional deposit expectations no longer reflect how people live, rent and work today.

Working alongside brokers, this launch is about offering a more practical, real‑world route into home ownership and taking another step toward bringing back the 20‑something FTB.

More details on Monday.

Clear your diary For many first time buyers, the real challenge isn’t paying the mortgage, it’s getting the deposit together. That’s why, on Monday 18th May we are launching a £5,000 deposit mortgage for First Time Buyers. Too many aspirational buyers are doing the right things but remain loc...

30/04/2026

On the 30th April 2026 the Bank of England announced that the base rate has been held at 3.75%.

If you are coming to the end of your current mortgage deal in the next 6 months or if you are on a Standard Variable Rate, please contact me for a no obligation chat.

Your home may be repossessed if you do not keep up repayments on your mortgage.
You may have to pay an early repayment charge to your existing lender if you re mortgage.

27/03/2026

05/02/2026

On the 5th February 2026 the Bank of England announced that the base rate has been held at 3.75%
If you are coming to the end of your current mortgage deal in the next 6 months or if you are on a Standard Variable Rate, please contact me for a no obligation chat.
Your home may be repossessed if you do not keep up repayments on your mortgage.
You may have to pay an early repayment charge to your existing lender if you re mortgage.

31/12/2025

Many thanks to everyone who put their trust in me to help them during 2025. As a small business it really is appreciated.

Highlight of the year was to be nominated for a local hero award for helping local charities in the Edinburgh South area and also sponsoring one of the local football teams this season.

I wouldn't be able to do this without the support of everyone and to put back in to help others.

I hope everyone has a fantastic 2026.

Chris

24/12/2025

I would like to wish everyone a fantastic Christmas and New Year when it comes.

I will be working during the festive period, with a couple of days off.

Merry Christmas folks.

Chris

18/12/2025

On the 18th December 2025 the Bank of England announced that the base rate has been reduced to 3.75%
If you are coming to the end of your current mortgage deal in the next 6 months or if you are on a Standard Variable Rate, please contact me for a no obligation chat.
Your home may be repossessed if you do not keep up repayments on your mortgage.
You may have to pay an early repayment charge to your existing lender if you re mortgage.

06/11/2025

On the 6th November 2025 the Bank of England announced that the base rate has remained at 4%.
If you are coming to the end of your current mortgage deal in the next 6 months or if you are on a Standard Variable Rate, please contact me for a no obligation chat.
Your home may be repossessed if you do not keep up repayments on your mortgage.
You may have to pay an early repayment charge to your existing lender if you re mortgage.

31/10/2025

Is your mortgage deal coming to an end?
Over 760,000 borrowers will be considering their mortgage options as their fixed-rate deals come to an end this year.

Those with five-year deals about to expire may be anticipating sharp rises in their monthly bills; they will have fixed their mortgage in 2020, when interest rates were as low as 1.4%. Since then, rates have soared, meaning payments could increase by up to £300 a month. Although rates are a lot higher than they were five years ago, this summer did see some lenders cutting their rates as they competed for remortgage deals amid slow buying activity. In July, there were 41,800 remortgage approvals, the highest since October 2022 after Liz Truss’ mini budget.

Seek advice in times of change
In uncertain economic times, it can be difficult to know what to do if your mortgage deal is coming to an end. Fixed deals are not your only option; there are tracker mortgages, standard variable rates and others which may be suited to your specific circumstances. A professional adviser can talk you through your options so you can make an informed decision.

Your home may be repossessed if you do not keep up repayments on your mortgage.
You may have to pay and early repayment charge to your existing lender if you remortgage

Sources:
https://www.thetimes.com/business-money/money/article/mortgage-prices-borrowers-rates-x90qwxn9k

02/09/2025

HOT of the Press

First Time Buyers please get in touch for more information this might not be around for long.

Important update to the Scottish Government's LIFT Open Market Shared Equity Scheme 2025/26

Please note, our website contains details of updated Open Market Shared Equity criteria effective from today. The scheme is now open to priority groups as well as first time buyers. Applications without all supporting documentation may be declined.

https://linkhousing.org.uk/lift

Regards

Chris

LIFT Open Market Shared Equity   Want to buy a home on the open market but don’t think you can afford the full price? The LIFT Scheme could help.   The LIFT Open Market Shared Equity (OMSE) scheme helps buyers to purchase a home for sale on the open market by providing up to 40% funding tow...