Mortgage adviser in ILford, essex

Specialist mortgage advice for the Ilford community. Whether you are buying a commuter friendly flat near the station for the Elizabeth Line, securing a family home in Gants Hill, or looking to invest in a rental property in Seven Kings, we provide the local expertise you need to succeed.

Ilford is one of the most dynamic property hubs in East London and Essex. With the arrival of the Elizabeth Line, property demand has surged, making it essential to have a Decision in Principle ready before you even step into a viewing. We understand the fast paced nature of the local market and work closely with buyers to ensure their finance is secured quickly, allowing them to compete in this high demand area.

Ilford offers a wide variety of property types, from Victorian terraces to modern high rise developments. We provide bespoke advice tailored to the specific area you are looking in:

If your career takes you into the City or Canary Wharf, you need a mortgage that reflects your professional status. We access a wide network of over 100 lenders, many of whom offer enhanced income multiples for professionals, ensuring you can afford the right home within walking distance of the station.

Ilford remains a popular choice for landlords due to high rental demand. We provide expert advice on Buy to Let mortgages, helping you navigate the latest tax changes and find the most competitive rates to ensure your investment remains profitable.

Whatever your specific and unique situation, Evergreen Mortgages is a mortgage adviser here to help with a solution.

With a wealth of expertise, we’re excited at the prospect of building long term relationships with clients and their friends and families, helping them through each stage of home ownership, whether it’s that first step onto the ladder, or moving into that forever home.

We are here to make the process easy to understand and help you overcome the hurdles to first time homeownership. This could be affordability, deposit needs or credit issues, we have the solutions to get you into your first home.

Found your dream home and need help securing it? We can help with solutions for finding lenders that can lend that little bit more, or consider more unique properties. We have also supported families looking to keep the current property to let it so there’s no chain involved.

An unexpected surprise on your report, or a previous serious life event, it can all be a little overwhelming when your trying to buy a home, but we have seen and helped find solutions for many situations. With a copy of your report we can guide you to the deposit you’ll need and the borrowing that’s achievable for you.

Many people find buying when self employed a particular challenge. We can help guide you through the application process and have access to the right lenders who understand the unique needs of the self employed. 1 years accounts, contractor mortgages, locum mortgages, freelance mortgages or CIS mortgages – we have seen them all!

Debt consolidation mortgages or wanted to raise some funds for home improvements? With our range of lenders we will have a solution for you.

Life insurance, critical or serious illness cover, income cover or accident cover. We make sure you understand the options available and help our clients not just get that dream home, but stay in it too – even should the worst happen. We also have access to specialist providers to help those who can’t get insured elsewhere due to medical issues, or job type.

There are unique challenges to buying as a young family, Maternity pay, childcare costs, or maybe you need to move a distance away to get closer to family support. We can help with the solutions you need.

Shared ownership and right to buy schemes have helped many people to buy their first home or next home. Get in touch to find out how they could work for you and to see if you would be eligible.

If you have come to the end of your current fixed or variable rate, and want a new rate but your happy with your current lender? We can still provide our services and support, making sure you are on the best rate possible for your circumstances.

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.