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Monday 9am - 5:30pm Tuesday 9am - 5:30pm Wednesday 9am - 5:30pm Thursday 9am - 5:30pm Friday 9am - 5pm

Everest Mortgage Services

Home
United Kingdom
Southwick
Everest Mortgage Services

Independent mortgage brokers
We have access to over 100 mortgage lenders and 1,000’s of mortgages to save you money and get you the best deal stress free!

Let us do the hard work.

03/03/2026

Joint mortgages for first-time buyers (couples & friends): pros and cons 🤝🏡
Buying together can be a brilliant way to get on the ladder but it needs planning. Pros: bigger budget, shared bills, and you may reach a better deposit/LTV faster. Cons: you’re both jointly liable for the whole mortgage (not just “your half”), and selling can get messy if one person wants out.

Example: One of you puts in £30k, the other £10k. If you split later, who gets what? That’s where tenants in common and a deed of trust can protect each person’s share. Lenders also assess affordability differently for joint applications, especially if one person has debt or variable income.

If you’re considering buying with someone, Everest Mortgage Services is ready to help you set it up properly from day one.

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

22/02/2026

Struggling to get a mortgage with bad credit? You’re not alone.

Missed payments. Defaults. CCJs. Low credit score.
It doesn’t automatically mean “mortgage declined.”

I help clients across the UK secure mortgages with:

✔️ Missed payments
✔️ Defaults (satisfied & unsatisfied)
✔️ CCJs
✔️ Debt management plans
✔️ Low credit scores
✔️ Self-employed income

The key isn’t just your credit score — it’s:

• How recent the issue was
• The size of the debt
• Whether it’s satisfied
• Your deposit amount
• Your current affordability

Many high street lenders say no.
Specialist lenders often say yes — but only if your case is structured properly.

If you’ve been declined before, don’t assume that’s final.

📩 DM “CREDIT” for a free 10-min review
🔗 Or book via the link in bio

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

18/12/2025

Bank of England cuts Bank Rate to 3.75%

What this could mean for you:
1. Tracker / SVR borrowers may see payments fall (timing depends on your lender)
2. Fixed rates don’t follow Bank Rate directly they move mainly on swap rates and competition
3. Remortgage window: lenders often reprice fast when sentiment shifts
• CTA: Book your free 10-min call

Bank of England update (18 December 2025): Bank Rate has been cut to 3.75% (from 4.00%).

What this means in real life:
• If you’re on a tracker mortgage: you’ll usually feel this quickest, but not always the same day.
• If you’re on SVR: some lenders reduce SVR after a cut, some don’t — worth checking.
• If you’re on a fixed rate: your rate won’t change today, but this can improve the direction of travel for new fixed deals as lenders compete.

What to do next:
1. If your deal ends in the next 3–6 months, it’s often smart to review options early (you can usually secure a deal and switch if something better appears).
2. If you’re buying in 2026, a lower Bank Rate can help sentiment and affordability but the best deal still comes down to your profile (income, deposit, credit, property type).

Want a quick, straight answer on what you could do next?
Book your free 10-min call.

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

13/12/2025

With Christmas nearly here, planning for 2026 is on a lot of people’s minds.

If you’re thinking about buying your first home, moving, or remortgaging in 2026, now is the perfect time to get clear on:
• what you can borrow (based on affordability and credit profile)
• your likely deposit and costs (fees, stamp duty where applicable)
• a realistic timeline so you’re not rushed later

You can book a call with us via our website anytime, or message us for a free consultation before or after the holidays.

Book your free 10-min call

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

12/12/2025

You could be overpaying your mortgage — and it’s usually fixable. 🏡🛠️🧰

If your fixed rate is ending (or you’ve been on the same deal for a while), you could be paying more than you need to each month. A remortgage review can help you check whether you’re on a competitive rate, understand your options, and avoid drifting onto a higher lender rate.

Here’s what we’ll look at in a proper remortgage check:
• Your current rate vs what’s available now
• Fees vs savings (the bit most people miss)
• Your term and overpayment strategy
• Affordability and credit file positioning
• Whether staying with your lender or switching makes more sense

Want a quick sense-check?
Comment REMORTGAGE and I’ll reply with the 3 numbers to check today.
Or tap Book your free 10-min call and we’ll run through it properly.

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

09/12/2025

Feeling like your debts are running your life? 💸
A debt consolidation remortgage could help you roll credit cards, loans and overdrafts into one monthly payment – and in some cases cut your outgoings so you can finally breathe again.

It’s not suitable for everyone because you’re turning short-term debt into long-term borrowing, but in the right situation it can be a powerful reset.

👉 Want to see if it could work for you?
Tap the link in my bio and Book your free 10-min call – we’ll run the numbers properly and talk through your options.

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

07/12/2025

YOUR CREDIT SCORE MIGHT BE LYING TO YOU… 😳📉

“Does this number REALLY decide if you get a mortgage?”

Here’s what shocks people – even after all my years in mortgages:
• Lenders don’t even see the same “/999” score you see in your app
• Two people with the same score can get totally different decisions
• One small habit (paying a few days late) can matter more than 100 points 🤯

So before you panic about your score – or flex it – find out what’s actually going on behind the scenes.

💬 Comment “SCORE” and I’ll tell you the #1 thing lenders look at that your credit app never explains.
Or hit “Book your free 10-min call” in our bio and we’ll go through it properly.

06/12/2025

Can I actually buy a place, or am I just dreaming?

We hear this from teachers, NHS staff, retail workers, self-employed people, you name it.

A few common myths that stop people even asking the question:
❌ “I need a 20% deposit.”
❌ “My credit history isn’t perfect, so I’ve got no chance.”
❌ “I’m self-employed so I have to wait 3 years.”
❌ “My bank said no, so that’s it.”

In reality, there are different lenders with different rules – you just don’t see them all in one place.

If you’d like a straight, no-pressure view on whether buying is realistic for you in the next 6–24 months:

👉 Comment FIRST HOME and we’ll DM you
or
👉 Tap “Book your free 10-min call” in our bio

You might be closer than you think – or we’ll tell you exactly what to work on.

29/11/2025

Teachers, this one’s for you 👩‍🏫👨‍🏫

Some specialist lenders are now offering up to 7× your income for eligible teachers – which could mean a bigger borrowing amount than you’d get on a standard mortgage deal.

Every case is different, and it all comes down to your income, commitments, credit profile and overall affordability – but if you’re a teacher thinking about:
• Buying your first home 🏡
• Moving to a bigger place
• Remortgaging to a better deal

…it’s a great time to check what’s possible.

📲 Book your free 10-min call and I’ll:
• Check what you could roughly borrow
• Explain how these higher income multiples work
• Compare a range of lenders and deals for you

Not a teacher? I also help other professionals – nurses, key workers, self-employed and more – find the right mortgage options.

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

24/11/2025

We’ve been featured in Yahoo Finance 🎉

Everest Mortgage Services was recognised for our secured-loan expertise, helping homeowners and investors unlock the funds they need—without the confusion or jargon.

Whether you’re:
• Consolidating debt
• Funding home improvements
• Releasing equity for investment

…our expert brokers compare specialist secured-loan lenders across the market to find a deal tailored to you.

Ready to see what you could borrow?

👉 Book your free 10-min call via the link in bio or send us a DM saying “YAHOO” and we’ll get in touch.

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

Address

5 Green Mews
Southwick
BN424DZ

Opening Hours

Monday	9am - 5:30pm
Tuesday	9am - 5:30pm
Wednesday	9am - 5:30pm
Thursday	9am - 5:30pm
Friday	9am - 5pm

Telephone

+441273007740

Website

http://www.Everest-Mortgages.co.uk/

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