Additional Services

Here at Evergreen Mortgages, we can help put you in touch with other companies to give you reliable recommendations for other areas including Buildings & Contents, Trust & Wills, Valuations and Solicitors. Information on these detailed below, but please do get in touch if you have any questions.

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Buildings insurance is a necessary requirement when buying a property and it would also be advisable to have contents cover too. Buildings insurance will then cover against standard perils such as fire and flood for example and there are other additional features available such as accidental damage, personal possessions cover outside of the home and home emergency cover.

If you don’t yet have buildings insurance or want to review your current policy, we can put you in touch with an excellent company to help with this…

Whilst also reviewing your insurances it might be sensible to put your life insurance into a trust. We can explain the benefits when reviewing your insurance needs.

In addition, ensuring you have a valid Will would be entirely sensible to ensure your wises can be carried out. Working in conjunction with a company called Kwil, we can offer to make a Will for £90 for a single Will or £120 for a joint Will (Mirror Will typically used for a couple). Please call us for further details and you can apply here to get started:

We can provide you with a no obligation quotation for a solicitor, and we will make sure they are able to work with the lender you are taking your new mortgage with.

In most cases, you will need the help of a solicitor whether you are buying a new home or remortgaging. Your mortgage lender registers a charge against your property on the land registry and the deeds of your home. When you buy a new home or change lender, you need a solicitor to do this part of the process for you.

Your choice of solicitor can impact the length of time it takes for your remortgage to complete. We can help you with a recommended solicitor.

Surveys are normally completed by private companies on the property you wish to buy. In Scotland the survey or home buyers report is completed by the seller and forms part of the sales particulars for the property, but in England and Wales you will be expected to instruct your own survey.

The mortgage lender does complete a mortgage valuation for themselves, as they need to check the property is good security for the loan, but the lenders valuation is to ensure the home is built from common building materials and in reasonable condition. It provides the lender with a market valuation, a reinstatement cost for insurance purposes and it describes the construction and general condition of the property on the date of inspection. Some lenders complete the valuation free of charge, but you might not always be able to get a copy of the valuation that the lenders instruct.

A private survey gives you 3 options, Basic, Homebuyers survey or Full structural or building survey. As the name suggests, like the lender valuation above, the basic survey gives little information. Many people buying a second hand property will opt instead for a more detailed home buyer report which additionally provides a detailed report often in a traffic light style report to make it easy to read. Here is an example of what it may include:

• Aims to identify any problems that need urgent attention or are serious or that may be dangerous.
• Aims to identify things that need to be investigated further to prevent serious damage.
• Aims to advise on the amount of ongoing maintenance that may be required in the future and gives advice on the steps needed to investigate and/or repair/resolve any defects identified.
• A full buildings survey is generally the most expensive type of survey so is often only instructed when buying a listed building or a property that you expect to require extensive work.

We can help you to get costings on any of these types of survey once you have the property address, so get in touch and we will help put you secure a quote with one of our recommended companies.

AREAS COVERED

Evergeen Mortgages is based in Upminster, Essex and provides mortgage advice. 

We provide expert mortgage advice across Essex, including Brentwood, Shenfield, Billericay, Basildon, Chelmsford, Canvey Island, Colchester, Dagenham, Epping, Hornchurch, Ilford, Ingatestone, Maldon, Romford, Southend, Upminster and Wickford.

Evergreen Mortgages, 9 Stanley Road, Bulphan, Upminster, Essex,  RM14 3RX

01277 281828

jenny@evergreen-mortgages.com

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Typically, a fee no greater than £995 is charged for mortgage advice on receipt of a mortgage offer or on successful completion. This would be confirmed in writing once a brief outline of your borrowing requirements have been established. Many of our competitors charge upfront fees for advising and processing applications, regardless of the outcome, whereas our fee is only ever payable on receipt of a mortgage offer or on completion.

Evergreen Mortgages is a trading name of AGA Mortgages who is an appointed representative of Mortgage Intelligence Ltd which is authorised and regulated by the Financial Conduct Authority under number 305330 respect of mortgage, insurance and consumer credit mediation activities only.

We always aim to provide a high quality service to our customers. However, if you encounter any problems and we are unable to resolve them you can take your complaint to an independent Ombudsman. Our advice is covered under the Financial Ombudsman Service.

Please note that most buy to let and commercial loans are not regulated by the FCA and neither is some bridging finance. We shall advise if your specific finance requirement is classed as a regulated activity and therefore covered by the FCA.