Evergreen Mortgages

Evergreen Mortgages ✅ FREE First Time Buyers Guide: https://shorturl.at/euwDH
🏆 Expert Mortgage Advice
(1)

- Specialist Mortgage Advice
- Refinancing
-First time buyers

Let us help you every step of the way home 🏡

03/09/2026

What is considered bad credit for mortgages?

You may be fully aware of a CCJ, Default or missed payments on your file, but I have also had clients where the bank said no and suddenly they came to find out that a CCJ or default was placed against them that they had no idea about.

Once you have a copy of your report and you’ve discussed the options through with your adviser you can hopefully move forward with confidence regardless of what shows on the report, as we can make a plan together to ensure you achieve your goals and your dream home!

📌PS – Comment Credit and I’ll send you the top 5 mistakes those with bad credit make and how to avoid them

02/09/2026

planning is everything

We discuss the challenges of obtaining a mortgage when you're self-employed, explaining why it can be more difficult and sharing insights on how to improve your chances of approval.

📌PS – Comment Income and I’ll send you the top 5 mistakes self-employed home buyers make and how to avoid them

-employedmortgage

01/09/2026

How long does it take to get a mortgage when you want to move home?

It all depends on the lender but 2-4 weeks is generally standard, even when you have a current mortgage, they still need to check your paperwork and affordability assessments, as well as checking the property itself is good security for them as the lender.

📌PS – Comment MOVE and I’ll send you the top 5 mistakes home movers make and how to avoid them

-employedmortgage

28/08/2026

Understanding the Fees for First-Time Mortgages

📌PS – Comment FIRST and I’ll send you the top 5 mistakes first-time buyers make and how to avoid them

We discuss the various fees that first-time home buyers may need to pay when getting a mortgage, including solicitor fees, valuation fees, home buyer survey fees, mortgage advisor fees, and stamp duty. The guide recommends getting multiple quotes for solicitor services and being aware of potential additional fees beyond just the mortgage itself.

27/08/2026

positioning, presentation and most importantly knowing the right lenders

Bad credit won’t stop you from getting a mortgage but let’s face it, if you haven’t made payments on a credit card or loan before the lenders will likely be a little less comfortable lending to you and see you as a bigger risk than someone who has always made those payments on time.

Generally once we get talking I find out there’s been a difficult situation that caused the issues, and it’s usually unique. But once the real conversations have been had then I can help my clients to make sure they are explaining in clear language to the lenders:
• Why there was an issue in the past
• Why the lender can be confident that if they approve the lending they will get repaid on time without issues

It’s all about positioning, presentation and most importantly knowing the right lenders who will listen.

📌PS – Comment Credit and I’ll send you the top 5 mistakes those with bad credit make and how to avoid them

27/08/2026

Bad Credit Mortgages: Understanding Deposit Requirements

We discuss how bad credit impacts mortgage deposits, explaining that specialist lenders typically require larger deposits (10-15%) and how the specific circumstances of your credit history can influence your mortgage options.

📌PS – Comment Credit and I’ll send you the top 5 mistakes those with bad credit make and how to avoid them

26/08/2026

Self-employed or are you?
Being self-employed covers a whole host of different roles. Some people are officially self-employed and complete a tax return but don't actual find their own jobs or have a company they set up themselves in the same way as others - Contractors, CIS and agency staff as well as others fall into this unique category where lenders can view your income very differently. If you need guidance on how lenders for a mortgage will consider your income, reach out and we can provide tailored advice.

📌PS – Comment Income and I’ll send you the top 5 mistakes self-employed home buyers make and how to avoid them

-employedmortgage

25/08/2026

Understanding mortgage porting

Porting is a jargon term in our industry that is actually pretty simple. Porting your mortgage simple means moving the mortgage to a new home, and many mortgages have this facility including in your mortgage offer, however it isn’t always straightforward as you would still have to pass the affordability and property checks before moving the mortgage, even if you are currently paying this mortgage at the moment. It can help you to avoid paying early repayment charges if you are locked into a product mortgage deal and want to move home.

📌PS – Comment MOVE and I’ll send you the top 5 mistakes home movers make and how to avoid them

-employedmortgage

21/08/2026

How much deposit do you need as a first time buyer?

It depends on your circumstances, the more the better but if your struggling to save, there are schemes to help you get on the ladder. Do remember to hold back enough for the solicitor fees and any stamp duty that may be payable.

📌PS – Comment FIRST and I’ll send you the top 5 mistakes first-time buyers make and how to avoid them

20/08/2026

After Bad Credit: How Soon Can You Apply

We discuss the timeline for applying for mortgages after experiencing a default or County Court Judgment (CCJ), explaining that the waiting period varies by lender and depends on individual circumstances. We highlight that some high street lenders might require up to six years, while specialist lenders could consider applications after just three to six months of good financial behaviour.

📌PS – Comment Credit and I’ll send you the top 5 mistakes those with bad credit make and how to avoid them

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Upminster
RM143RX

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+441277281828

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