Evergreen Mortgage Services.

19/03/2024

23/12/2023

Myself, Andy and Ashley would like to wish all our clients a Wonderful Christmas and Best Wishes for the New Year. A big thank you to every one of you and we look forward to working with you all in 2024 🌲🌲🌲

22/03/2023

WOULD ANYONE OF MY FRIENDS OR CLIENTS LIKE TO BE ON SKY NEWS. SEE BELOW
I’m a business producer at Sky News. We’d like to interview someone who is either on an Standard Variable Rate mortgage, is a First Time Buyer or is remortgaging. The interview is about your experience within the current economic climate. It would be a pre-recorded interview tomorrow Thursday 23 March. Please email me if you are interested [[email protected]](mailto:[email protected])

Thank you.

27/09/2022

Any of my family, friends or clients worried about their mortgage rates, please get in touch and we will look at your individual circumstances. Office number 01744 634109 Mob 07732367812
We adhere to Data Protection Rules and all information is held in the upmost confidence.

TV property expert and founder of advice platform Move iQ Phil Spencer offers his advice for homeowners facing a mortgage timebomb.

16/06/2022

The Bank of England has raised the base interest rate to 1.25%

The Bank of England has raised the base interest rate to 1.25%. In general, the current cost of living crisis has added some uncertainty to the economic environment, and we cannot rule out further rate increases. Although those currently on a fixed-rate mortgage will feel relieved, the simple truth....

05/05/2022

The Bank of England raises interest rates to 1.00%
In light of the announcement today that the Bank of England has increased interest rates to 1.00%*, we wanted to write to you to explain how that might affect your mortgage.
The good news is that if your mortgage is on a fixed rate, your monthly repayments are unaffected. Those with fixed rate mortgages are likely to be affected once they reach the end of their current deal. An interest rate rise could make remortgaging more expensive.
If you have a variable rate tracker mortgage that is linked to the Bank of England base rate, you are likely to see an immediate impact on the amount you repay. Those on a standard variable rate (SVR) could see an increase which is decided by the lender. If you are unsure, it is worth checking your mortgage terms and conditions in your mortgage offer document.
If you are on your lenders SVR, please ensure that you get in touch as you could be paying more than you need to be.
For those readers who are still on a variable rate or are coming to the end of their fixed rate period, now is a good time to seek professional mortgage advice and let us talk you through the options available to suit your circumstances.
*Source: Bank of England (2022) https://www.bankofengland.co.uk/ (Accessed 05/05/22)

The Bank of England (BoE) is the UK's central bank. Our mission is to deliver monetary and financial stability for the people of the United Kingdom.

02/05/2022

Our recent News letter with some great tips and advice regarding your home

The Covid-19 lockdowns reminded us of why open space is so important to our sense of well-being and it is noteworthy that as lockdowns were eased, the main requirement for people looking to move home was the need for open space.

31/03/2022

Practical tips to help reduce your monthly outgoings, really helpful at this time

With rising prices from food and petrol to domestic electricity and gas bills, what can we do to help ourselves and budget in a way that ensures we can live within our means without racking up overdrafts and other debts?

24/03/2022

Spring Statement Newsletter Special

Yesterday, Rishi Sunak, the chancellor of the exchequer unveiled his spring statement against a backdrop of rising fuel, energy and food costs. We wanted to provide you with a summary of the most poignant points that were made in yesterday’s speech.
Fuel duty cut by 5p per litre
In response to rising fuel paces, the chancellor announced a 5p per litre cut to fuel duty which is “the biggest cuts to all fuel duty rates ever”. The cut came into force at 18:00 yesterday evening and will last until March next year.
0% VAT on energy-saving materials
For the next five years, homeowners will pay 0% VAT on energy saving materials, such as solar panels or heat pumps. The chancellor says he can make the move as a result of Brexit.
Doubles household support fund
Money for councils to support vulnerable households will be doubled to £1bn from April.
Reiterates overall ambition to reduce taxes.
Moving onto the tax system, Sunak reiterates his overall ambition to reduce taxes. He says he is publishing a tax plan, with a "principled approach" to cutting taxes over this Parliament. This will first help families, then create conditions for higher growth, he says.
National Insurance and income tax threshold is raised.
The chancellor announced that the threshold for paying National Insurance will increase by £3,000 from July 2022. “From this July, people will be able to earn £12,570 a year without paying a single penny of income tax or National Insurance”, he says. “That’s a £6bn personal tax cut for 30 million people across the United Kingdom. “A tax cut for employees worth over £330 a year”. He adds: “The largest increase in a basic rate threshold ever, and the largest single personal tax cut in a decade”.
Basic rate of tax cut by 2024
In his final announcement, Rishi Sunak said that before the end of this Parliament in 2024, "for the first time in 16 years" the basic rate of income tax will be cut from 20p to 19p in the pound. He added: "A tax cut for workers, for pensioners, for savers. A £5bn tax cut for over 30 million people."
Support for business
Sunak pledges that the government will reform the generosity of tax credits on the money private firms spend on research and development. He also says the government will cut tax rates on business investment, with details to be set out at the Budget in the autumn.
The Employment Allowance will increase to £5,000, claiming it is a tax cut worth up to £1,000 for half a million small businesses. The new amount will come into place in two weeks’ time.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Evergreen Mortgage Services, a trading style of Lisa Stroud is an Appointed Representative of Homeloan Partnership Ltd which is authorised and regulated by the Financial Conduct Authority.
A fee may be charged. Full details will be provided before you proceed, if you wish to use our services.