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!

Mortgage in Principle (DIP/AIP): what it is and why you need one 🔑🏠A Mortgage in Principle (also called a DIP or AIP) is...
05/09/2026

Mortgage in Principle (DIP/AIP): what it is and why you need one 🔑🏠

A Mortgage in Principle (also called a DIP or AIP) is a quick check from a lender showing what you might be able to borrow — before you find a property. It’s not a full mortgage offer, but it’s powerful for first-time buyers because it gives you a realistic budget and shows estate agents you’re serious.

Example: Two buyers earning the same amount can get very different DIPs depending on commitments and spending patterns. Getting the right DIP early helps you avoid wasting time viewing homes you can’t buy — and it reduces the risk of a nasty surprise later.

An expert makes sure the DIP is with a lender that fits your situation (income type, credit profile, deposit source), so you don’t rack up unnecessary searches. Everest Mortgage Services is ready to help.

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...
05/09/2026

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.

Do Lenders Use Salary and Dividends or Net Profit for Directors?This is where most directors get caught out 👇Some lender...
04/09/2026

Do Lenders Use Salary and Dividends or Net Profit for Directors?

This is where most directors get caught out 👇

Some lenders use salary + dividends only.
Others can use salary + share of net profit (which can be a game-changer if you retain profit in the business).

Which is “best” depends on:
✅ your shareholding
✅ how consistent profits are
✅ how you pay yourself
✅ what your accounts show (and how recent they are)

A lender that understands directors properly can be the difference between a decline and an approval.

Comment “DIRECTOR” and I’ll reply with the exact docs lenders normally want to assess you accurately.

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

04/09/2026

Just some of what we do and how we can help you in a reel montage! 😁🏠🔑

Stretching Your Budget To The Maximum Borrowing LimitJust because a lender may offer a certain amount does not always me...
04/09/2026

Stretching Your Budget To The Maximum Borrowing Limit

Just because a lender may offer a certain amount does not always mean you should borrow it.

Stretching to the maximum can leave less room for bills, repairs, childcare, lifestyle costs and future rate changes. A comfortable mortgage is often better than a stretched one.

The best mortgage is one that works for your life, not just one that gets you the keys.

Message us if you want help setting a realistic budget.

What is a product transfer — and when does it make sense? 🔁🏠A product transfer is when you switch to a new deal with you...
04/09/2026

What is a product transfer — and when does it make sense? 🔁🏠

A product transfer is when you switch to a new deal with your current lender, without moving the mortgage elsewhere. It’s often quicker and simpler than a full remortgage because there’s usually less paperwork, and sometimes no new valuation.

When it can make sense:
✅ You want a fast switch before you hit the SVR
✅ Your circumstances have changed (income/credit) and you want a smoother option
✅ ERCs make a remortgage expensive right now

Example: If your deal ends in 2 months and you’re busy, a product transfer can lock in a new rate quickly. But it’s not always the cheapest — your lender’s “best” deal might still be beaten elsewhere.

Send us your renewal date and we’ll compare a product transfer vs remortgage for you.
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...
03/09/2026

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.

How Long Do Defaults or CCJs Affect My Mortgage Chances?Defaults and CCJs typically stay on your credit file for 6 years...
03/09/2026

How Long Do Defaults or CCJs Affect My Mortgage Chances?

Defaults and CCJs typically stay on your credit file for 6 years, but your mortgage options can improve well before they drop off.

Key factors lenders focus on:
📌 how long ago it was (recent vs older)
📌 whether it’s settled
📌 size of the default/CCJ
📌 your conduct since (clean last 12–24 months helps massively)

DM me the date + amount + whether it’s settled and I’ll outline the likely lender options.

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

Divorce and property can get complicated quickly — especially when there is equity in the home.The split is not always a...
03/09/2026

Divorce and property can get complicated quickly — especially when there is equity in the home.

The split is not always a simple 50/50.

It can depend on the legal agreement, children, affordability, ownership, contributions and what both parties can realistically do next.

From a mortgage point of view, the big question is:

Can one person afford to keep the home, raise funds, or buy the other person out?

Book your free 15-min call to understand your mortgage options before making big decisions.

This is not legal advice.

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

Can Retained Profits Be Used for Mortgage Affordability?Short answer: sometimes — with the right lender ✅Retained profit...
02/09/2026

Can Retained Profits Be Used for Mortgage Affordability?

Short answer: sometimes — with the right lender ✅

Retained profits can help affordability in certain scenarios, but lenders usually want to see:
📌 you’re a director/shareholder with control
📌 profits are sustainable (not a one-off spike)
📌 business accounts support the story
📌 an accountant reference may be required
📌 overall affordability still stacks up

If you’ve built cash in the business but your personal drawings are low, you’re exactly the type of case that needs specialist lender selection.

Send me your last 2 years accounts figures (turnover + net profit) and how you pay yourself — I’ll tell you if retained profits are likely to help.

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

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5 Green News
Southwick
BN424DZ

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+441273007740

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