Evergreen Mortgages

Home
United Kingdom
London
Evergreen Mortgages

Call Directions Website Contact the business

✅ 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 🏡

03/11/2026

How much can you borrow when your moving home

Even with an existing mortgage, moving home will still require a full affordability check. Income, outgoings and essential spending like food and utilities all need to be checked.
But all of this starts with your ‘deposit’ figure and knowing the loan to value assessment that will be needed. Your deposit is likely coming from the sale of your current home, so you need to know, your current home value, your mortgage balance and any fees like early repayment charges, and any moving costs like estate agent fees, solicitors and moving charges.

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

-employedmortgage

30/10/2026

What credit score is needed to be approved for a mortgage and what does your credit score even mean!

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

Ultimately the score is a guide for you to see if things with your credit score is getting better or worse, but regardless of the score, there will be a lender that can help, even in the lowest scores there can sometimes be an option straightaway or with some guidance in a much shorter timeframe than you might have been told or think!

29/10/2026

Having a situation in your life which caused bad credit to be on your file, should not mean that you can't ever move forwards! If your adviser can't help you put together a plan for how to move things on, then it's time to speak to another company. Credit issues don't last forever and advisers have access to different companies or perhaps have different levels of experience.

Don't let a No stop you from moving forwards - ask for a plan!

It’s always worth getting personalised advice in this situations

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

28/10/2026

If your self- employed: Tell your accountant when you want to buy!

Your accountant can help you to plan your income and company structures and so much more than just tell how much you need to pay the tax man, but if you don’t engage in those conversations with them, they won’t know.

Particularly if you are looking around tax year end time in January or April which can be a phenomenally busy time of year for accountants so make sure you are giving them all the information they need to be able to give you best advice – and that includes when you plan to buy a home, remortgage or move home.

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

27/10/2026

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

23/10/2026

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.

22/10/2026

Do debts have to be settled

There’s a lender for every situation and no, your CCJ or Default does not necessarily have to be settled, each circumstance is unique.

Once settled, your score will improve faster over time and lenders are potentially likely to consider you. However, what if by paying off the debt, you have reduced your deposit below the needed level, as many lenders for those with bad credit may need a larger deposit.

It’s always worth getting personalised advice in this situations

21/10/2026

Understanding your particular type of employment or self employed as it makes a big difference to the lenders we might recommend and the paperwork that might be required, if your unsure then you can speak to your accountant who can help too!

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

-employedmortgage

20/10/2026

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

With house prices as they are for some people that extension or adaption to the current home works much better for you.

16/10/2026

Navigating Mortgage Options for First-Time Buyers

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

We discuss the different mortgage options available for first-time buyers, including tracker rates, fixed rates (2-year and 5-year), and how to choose the best option based on personal circumstances and the property being purchased. Factors like property condition, budget, and plans for overpayments are considered when determining the most suitable mortgage type.

Address

Upminster
RM143RX

Telephone

+441277281828

Website

http://Www.evergreen-mortgages.com/

Alerts

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