independent Mortgage advisers in Hornchurch, essex

Expert mortgage advice for the Hornchurch community. Whether you are moving to a family home near Emerson Park, securing a flat near the station for the District Line commute, or buying your first home in Elm Park or Hornchurch Village, we provide the specialist local guidance you need.

Hornchurch is one of the most sought after residential hubs in Havering. With its vibrant high street, renowned theatres, and direct links into London, the market is consistently busy. We ensure our Hornchurch clients are "offer ready" by securing a Decision in Principle quickly. In a market where high quality family homes are in high demand, having your finance pre approved gives you the credibility needed to win "best and final" offer situations.

Hornchurch has a diverse range of property types. We tailor our search to your specific area:

If you commute into Fenchurch Street or the City, we speak your language. We have access to lenders who offer enhanced income multiples for professionals, ensuring your bonus, commission, and total salary package are fully utilised to increase your borrowing power.

Hornchurch is famous for its family friendly atmosphere. If you’ve outgrown your current home, we specialise in the "Sell and Buy" process. We’ll help you calculate exactly what you can afford for your next move, including all the costs like Stamp Duty and legal fees.

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.

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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.