Evergreen Mortgages

Evergreen Mortgages ✅ FREE First Time Buyers Guide: https://shorturl.at/euwDH
🏆 Expert Mortgage Advice
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- Specialist Mortgage Advice
- Refinancing
-First time buyers

Let us help you every step of the way home 🏡

10/06/2026

How many years accounts will you need for a mortgage when your self-employed?

Yes, it can be harder to get a mortgage when your self-employed. You only get to confirm your income once a year, and so that does make it more difficult to show an increase and improvement in your situation.

But what if you need to move and you only have one years showing a successful company, You need to know the right lenders to be able to help you with the best rates for your unique situation.

There are certain self-employed individuals like CIS contractors or day rate contractors where some lenders can offer a mortgage ahead of the tax calculation reflecting your income.

If you want to know how your specific circumstances will be viewed you can book a personalised conversation to go over your unique options 😊

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

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09/06/2026

There’s an extra charge that could cost you thousands if you aren’t aware of it.

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

ERC’s or early repayment charges can be an unexpected pitfall when your moving home. It can be included in your new mortgage or avoided altogether by ‘porting’ or moving your current mortgage with you.

If your planning ahead look for a tracker rate mortgage with no ERC’s with certain lenders.

-employedmortgage

I’m often asked what score is needed and that’s a difficult question to answer as lenders have internal ‘score cards’, a...
08/06/2026

I’m often asked what score is needed and that’s a difficult question to answer as lenders have internal ‘score cards’, and if you have checked your score on more than one of the big companies that offer this service you will know your score can look very different on each.

If you have a score that is high you will likely have more options and need a smaller deposit than those who have a lower score.

However a lower score isn’t always a restriction. There are so many reason for this, it could be through fraud, or a previous financial hardship, it could be that you just haven’t had much need for credit in the past.

Through our network Mortgage intelligence we have access to a large range of lenders who can look at each individuals circumstances and take a human approach to mortgage lending, so get in touch and see how we can help you 😊

Another happy customer, keeping it simple and easy.“I would highly recommend Evergreen mortgages for any mortgage assist...
06/06/2026

Another happy customer, keeping it simple and easy.

“I would highly recommend Evergreen mortgages for any mortgage assistance required. Jenny has made the process stress-free and smooth for us. Great service!! Thank you.”
𝘚𝘵𝘦𝘷𝘦 𝘔

05/06/2026

How do they know what you can borrow on your mortgage!

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

I’ll try to explain how banks provide you that magic number for your borrowing in this short video but if you want to know EXACTLY how much you can borrow in your specific circumstances get in touch and I will go through it with you.

04/06/2026

How much deposit do you need with bad credit?

It all depends on exactly what is on the report but generally 15% deposit is the number that makes all the difference.

I have had success with scheme mortgages on shared ownership requiring small deposits or even with a 5% deposit. If you haven’t quite got the 15% deposit yet, it’s still worth a call as perhaps your situation will allow one of these exceptions and we can find the right lender who can understand your circumstances and let you proceed with a smaller deposit.

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

03/06/2026

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

Buying a new home is exciting but knowing where to start can be daunting! We are here to help you into your new home, st...
03/06/2026

Buying a new home is exciting but knowing where to start can be daunting! We are here to help you into your new home, step by step though the journey with you. We take the time to explain the steps with our clients and help them to navigate what are sometimes very complex situations to ensure you get the best outcome for you and your family.

Part of that first step with the mortgage lender is often the initial agreement in principle. It gives you, the estate agent and the seller of the home, the reassurance that you are in a position to buy and are serious about moving forwards with the offer you want to put to the seller.

Get in touch if you need expert mortgage advice 🏡

02/06/2026

How and what you can borrow more money against your home for when you change your mortgage?

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

For some people that extension or adaption to the current home works much better than moving.

We offer mortgage advice for a range of different circumstances, financial and personal situations, so contact us today ...
30/05/2026

We offer mortgage advice for a range of different circumstances, financial and personal situations, so contact us today to receive more personalised recommendations.

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Upminster
RM143RX

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+441277281828

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