1st Mortgages & Other Mortgages

In the financial industry, each situation is unique and requires a specific set of solutions.

Borrowing a large amount of money to purchase a house is daunting regardless of whether it's the first time that you're doing it, or not. At evermore-fs, we have mortgage experts available to you that know the whole market and are able to advise  and recommend on the best type of mortgage suited to your individual circumstances and needs.

# FIRST TIME BUYERS *
As a first time buyer, mortgage hunting can be stressful and confusing, especially with all the jargon. At evermore-fs, you can be assured that we will explain the jargon in simple terms and complete all the paperwork.

# Re-MORTGAGE*
Having gone through the mortgage process previously and knowing what the jargon means still doesn't reduce the time it takes to research and compare different mortgages on offer from different lenders every few years. Our whole of market mortgage consultants will complete the research and source lenders ahead of your term review for you, ensuring that you benefit from the most up-to-date market information when you need it.

# HOME MOVERS/BRIDGING LOANS**
Moving home can be stressful regardless of whether you are moving to a larger property or downsizing, as there is much reliance on the sale and purchase to be synchronised. evermore-fs can help to ensure that things run smoothly and where required, can also arrange bridging loans.

# SHARED OWNERSHIP MORTGAGES**
Shared Ownership Mortgage schemes are used for part buy, part rent schemes. It can be confusing because there is huge variation in how much deposit different lenders require for different types of shared ownership property. Also, not all lenders provide this type of mortgage. evermore-fs can source the best lender for you across the entire market place.

# BUY-TO-LET*
More and more people are investing in property as a long-term opportunity to make profitable returns, and as a way of securing finance for their retirement. We at evermore-fs have the experience and the industry contacts to help you get a better return. Some buy to let mortgages are not regulated by the FCA.

# EQUITY RELEASE**
Also described as Lifetime Mortgages and Home Reversion plans, both are regulated by the Financial Services Authority and are available to help people release the equity they have tied up in their homes without them having to move nor worry about making monthly repayments. Regulated equity release has increased in popularity over the years and evermore-fs can help you achieve it.

Evermore-fs  Suite 29, 4th Floor Clayton House, 59 Piccadilly, Manchester M1 2AQ, UK

calls will incur a 2p/min service charge  plus any additional charge (Access Charge) from mobile/landline provider.

* We refer these requests to suitably qualified Advisers ** To understand the features and risks of Commercial Mortgages and Bridging Finance, please ask for a personalised illustration. We refer these requests to suitably qualified Advisers.

For residential mortgages we charge a fee of £150 at outset, £350 on application and £175 on offer. Alternatively, you can pay us a fee of £995 and if we are paid  commission by the lender we will refund it to you. Commercial Mortgages, Secured and unsecured loans and some Buy to Let mortgages are not regulated by the Financial Conduct Authority. evermore-fs is an Appointed representative of  New Leaf Distribution Ltd who are authorised and regulated by the Financial Conduct Authority Number 460421. Registered office 1st Floor Princess Caroline House, 1 High Street, Southend on Sea, Essex, SS1 1JE. Will writing is not regulated by the FCA.


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

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