Everest Mortgages

Everest Mortgages Let us do the hard work.

Independent whole or market 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!

Want the mortgage in one name only after divorce or separation?This is called a transfer of equity.The lender will usual...
11/06/2026

Want the mortgage in one name only after divorce or separation?

This is called a transfer of equity.

The lender will usually need to check whether the person staying can afford the mortgage alone.

It is not just removing a name — the lender has to approve the change.

Income, credit score, commitments, maintenance payments and the existing mortgage balance can all matter.

Book your free 15-min call to see whether keeping the property could be realistic.

This is not legal advice.

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

Contractor mortgage done properly = more lender options, cleaner underwriting, better outcomes.Whether you’re limited co...
10/06/2026

Contractor mortgage done properly = more lender options, cleaner underwriting, better outcomes.
Whether you’re limited company, umbrella, or agency, the key is presenting your income in the format lenders actually want.

I help contractors in Brighton & Hove and nationwide.

Book your free 10-min call and we’ll work out what you can borrow and the best route for your setup.

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

Remortgaging at 65+: options for older homeowners 👵👴🏡 Yes! remortgaging after 65 is possible, but lenders focus more on ...
10/06/2026

Remortgaging at 65+: options for older homeowners 👵👴🏡

Yes! remortgaging after 65 is possible, but lenders focus more on retirement income and how the mortgage will be repaid.

Options may include:
• Standard remortgage (based on pension/earned income)
• Extending the term (if affordable)
• Retirement Interest-Only (RIO) mortgages
• Later life/lifetime mortgages (where appropriate)

Example: If you’re retiring soon, the lender may assess affordability on pension income rather than current salary — so choosing the right lender is key. Some clients remortgage to reduce payments, clear unsecured debts, or fund home improvements while keeping monthly costs manageable.

The important bit: get advice early so you don’t drift onto SVR with fewer options.

Message us “65+” and we’ll outline the routes available for your situation.

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

What Deposit Do I Need for a Buy-to-Let Mortgage?Buy-to-let deposits are usually bigger than residential.A common starti...
09/06/2026

What Deposit Do I Need for a Buy-to-Let Mortgage?

Buy-to-let deposits are usually bigger than residential.

A common starting point is 25% deposit (75% LTV) and lower LTV often means more lender choice and an easier stress test.

Comment your deposit % (e.g., 15 / 20 / 25 / 30) and I’ll tell you what that normally unlocks.

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

Fixed vs tracker mortgages — which is right for first-time buyers? 🏡📉 A fixed rate gives you payment certainty for a set...
09/06/2026

Fixed vs tracker mortgages — which is right for first-time buyers? 🏡📉

A fixed rate gives you payment certainty for a set period (often 2–5 years). A tracker follows the Bank of England base rate (plus a margin), so your payment can go up or down.

Example: If you’re stretching affordability, a fixed rate can protect you from surprises while you settle into homeownership. If you’ve got strong surplus each month and you want flexibility, a tracker might suit — but you need to be comfortable with payment changes.

Key things first-time buyers often miss: early repayment charges, how long you plan to stay in the home, and whether you could still afford payments if rates rise.

Want to choose the right product for your budget and plans? Everest Mortgage Services is ready to help.

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

Stamp duty for first-time buyers — how much will you pay? 💷🏠 If you’re buying in England or Northern Ireland, first-time...
08/06/2026

Stamp duty for first-time buyers — how much will you pay? 💷🏠

If you’re buying in England or Northern Ireland, first-time buyer relief can reduce Stamp Duty — but only up to certain limits.
Current rule of thumb:
✅ £0–£300,000: 0% (no Stamp Duty)
✅ £300,001–£500,000: 5% on the portion above £300,000
❌ Over £500,000: first-time buyer relief doesn’t apply (standard rates apply).

Example: Buying at £350,000? You’d pay 5% on £50,000 = £2,500.

Scotland and Wales use different taxes (LBTT/LTT), so it’s worth checking the right rules for your purchase. Everest Mortgage Services is ready to help.

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

Are Interest Rates Higher for Mortgages When You Have Bad Credit?Usually, yes. because the lender is taking on more risk...
08/06/2026

Are Interest Rates Higher for Mortgages When You Have Bad Credit?

Usually, yes. because the lender is taking on more risk.
But the goal isn’t “pay high rates forever”. The strategy is often:

get you approved with a suitable lender now ✅

improve your profile over time ✅

remortgage to a better rate when you qualify ✅

That’s how many clients move from “specialist” to “mainstream”.

Message me “RATE” and I’ll explain the typical pathway and what you can do to shorten it.

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

Overpayment vs remortgage: how to pay your mortgage off faster ⚡🏠 Overpaying can cut years off your mortgage — but timin...
08/06/2026

Overpayment vs remortgage: how to pay your mortgage off faster ⚡🏠

Overpaying can cut years off your mortgage — but timing matters. Most fixed deals allow overpayments (often up to 10% per year) without penalty. A remortgage can also help by lowering your rate or switching to a deal that’s better for overpayments.

Example: If you overpay £200/month, you’ll reduce interest and term. But if you’re on a high rate, remortgaging to a lower rate first can make your overpayments “work harder” — because more of each payment goes towards the balance.
Also watch for ERCs: paying too much during a fixed period can trigger charges.

DM us your balance + your renewal month and we’ll show the fastest (and safest) route.

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

First-time buyer schemes — what are your options? 🏡✨ There are a few ways first-time buyers can get on the ladder faster...
07/06/2026

First-time buyer schemes — what are your options? 🏡✨

There are a few ways first-time buyers can get on the ladder faster — but each comes with rules and trade-offs:
• Shared Ownership: buy a share of a home and pay rent on the rest (minimum shares can be lower on newer models, but lender criteria vary).

• First Homes (England): some new-builds are sold at a 30%–50% discount, with eligibility and resale rules.
• Lifetime ISA: save up to £4,000/year and get a 25% bonus (timeline rules apply).
• Low deposit / 0% deposit options: some lenders may consider these, but criteria can be strict and choices limited.
The “best” scheme depends on your income, deposit, location, and future plans (especially resale restrictions). Everest Mortgage Services is ready to help.

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

Own a buy-to-let property and want to raise funds? A secured loan may be possible against some investment properties, de...
07/06/2026

Own a buy-to-let property and want to raise funds?
A secured loan may be possible against some investment properties, depending on rental income, equity, property type and lender criteria. This can be useful for portfolio improvements, deposits, tax planning or releasing capital without disturbing another mortgage. Specialist advice is important because buy-to-let lending works differently. Book your free 10-min call to discuss the options.

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

Address

5 Green News
Southwick
BN424DZ

Telephone

+441273007740

Website

Alerts

Be the first to know and let us send you an email when Everest Mortgages posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category