Moving Home mortgage adviser in essex
Evergreen Mortgages is here to help you for the long term, from your first purchase, through to your next home, all the way to your dream home.
Moving home is exciting and there are a lot of moving parts, as you now have the responsibility of selling your current home alongside buying the new home.
Many people take multiple steps on the property ladder to get to their dream home. Evergreen Mortgages can guide you through the timing and which steps to take first to make your next move a success.
Ready to take the next step on the property ladder?
Wanting a bigger home with more space or a move to the country? Perhaps Work means needing a move to a new area?
At Evergreen Mortgages, we understand that moving home is more than just a change of address – it's a significant milestone. Whether you're seeking more space, a new location, or a fresh start, we're here to guide you through the exciting journey of securing your new home.
If you’ve decided you are ready to take that step, we can help you achieve your dreams and plans.
It’s been our pleasure over the last 10 years to help many people on this journey and its amazing every time to hear from our clients about how they are settling in, and how their lives have been transformed by being able to own their new home.
As your personal mortgage adviser I will help you to get access to the best rates and lenders for your circumstances. We will discuss the type and term of mortgage that best suits your situation, and make the process simple and straightforward for you.
You can continue with your day to day life, whilst I act on your behalf completing all the paperwork, discussing your application with the lender, keeping you updated on when your valuation is booked in, making sure your informed on how things are progressing and giving you the support you need to answer your questions all the way through the process.
With my industry knowledge and experience, and the wide range of lenders I can access through my network mortgage intelligence, I can find the right solution for you.
Are you dreaming of more space, a new area, or simply a fresh start? Moving home is often about opening a new chapter in your life story. Whether you're upsizing for a growing family, relocating for a career opportunity, or seeking that perfect forever home, we're here to turn your dreams into reality.
This is a personal journey we will go on together to get to know your situation and provide tailored advice that relates to your specific circumstances. Together we will put together a mortgage package that works to get you into the home and takes into account your future plans so you can keep moving forwards, making the most of your investment and your home.
So if you are imagining the home by the sea, or wide open spaces where the dog could enjoy walks, perhaps you see yourself walking along to the local coffee shop and enjoying watching the busy social scene passing you by as you sip on your latte and enjoy being part of your community, we can help you to make that happen.
Our testimonials and google reviews show many delighted clients now in their new home and I would be happy to help you to be in the very same position.
What do I do first?
Step 1 - Get your home valued
You’ll need to speak to a minimum of 3 local estate agents to see what the current value of your home is.
Don’t worry about the marks on the paintwork or anything you feel seems unfinished, ask the agents how to best prepare your home for market when they visit, and they will let you know what’s needed. There’s no point spending unnecessarily repainting and carpeting every room if that money won’t be recouped when you sell. An estate agent with little on their books may inflate the value to make sure he gets your listing. One who is in great need of a sale may tell you a more cautious price to make sure they get the sale quickly.
Get 3 valuations, see who you feel most comfortable with and compare the values they give. You will need to have many conversations with the estate agent so it’s important you’re comfortable.
Step 2 - Look at the values of the homes you might want to buy
Have a good look online or with estate agents to see what your next step on the property ladder might look like in terms of value.
Step 3 - Speak to Evergreen Mortgages
We can help you work out the financial implications of the move. How much of the equity in the home you already have, will you need to hold back for moving costs and fees, like solicitors and stamp duty? How much mortgage will you need to make the move and how much will that new mortgage cost?
We can help you to get all these numbers together so you can make an informed choice on if now is the right time to move.
Finding your dream home in essex
When moving from one home to the next, timing is everything. Often the estate agent and vendor of the home you want to buy, will want you to have a sale on your current home before they take your offer more seriously. Keep an eye on the marketplace and what’s selling near you, but try to keep an open mind until you have an offer you are happy with, on your home.
Once yours is sold, view everything you can. Don’t rely on the online photos – go and visit. Pictures taken on a wide angled lens can make a room, driveway or garden look huge. Similarly, overexposed photos can make a room look airy and bright. Some of the nicest houses can have the worst photos! Take a close look at floor plans, does the layout of the home work for you and your family as that can be much harder to change. Compare the room sizes to those in your current home, and compare the overall square footage – is it bigger/smaller or does it just look that way with clever photography.
Making the move...
Once the mortgage offers are all in place, the person buying your home has finance secured and you have yours secured for the new home, you are going to need to be organised.
Speak with removal firms, they can be more cost effective than you might think. A good firm will provide the moving boxes, as well as clothing rails (which means nothing on hangers needs to be packed at all). They will often put heavy furniture into the right rooms and will breakdown and rebuild beds so your first night in the new home is comfortable. They will do their best to accommodate your moving date and understand that dates are often given with short notice so stay in close contact if you have a specific firm you want to use.
Your moving date...
Don’t forget you can negotiate your moving date through your solicitors as well as the people in your chain. Everyone needs to be flexible, but if a Monday for your moving day just does not work for you make sure the solicitor is aware of that, or if you have a holiday or similar coming up. Your solicitor works for you and will help you to find a suitable date.
Once you have exchanged you are legally responsible for the home and any dates are now unlikely to change (unless it is a new build property you are buying). Insurances need to be in place and you will also need to make sure you notify all the relevant companies (utilities, councils, banks etc) about your upcoming move. Use apps or online printable checklists to make sure you haven’t missed any.
For more moving tips see our moving checklist here.
MOVING HOUSE case studies
Mr and Mrs R
Already living in a very fashionable part of London, Mr and Mrs R loved their current property and had already realised significant equity growth in their investment, but as a coupe they felt they were ready for a larger home so they could start thinking about a family, and host more as they had a busy social life! Their current home, although a good investment was not quite meeting the plans they had in future and was holding them back but they knew the investment was solid and didn’t want to miss out on that.
As they had managed to save a considerable additional deposit we were able to help them to change their current property to a buy to let, so they could rent this property out and hold onto the investment and still purchase their next home – a dream property still in the busy social area of London they loved with its great connections and social life, but with the space they needed to keep moving forwards with their goals and dreams. Being part of their future plans and supporting this couple was a real privilege and we look forward to seeing the progress they make over the next few years as its clear this is a couple going places!
Mr and Mrs C
Mr and Mrs C dreamed of a home by the coast, they wanted their children to have more outside space and as an outdoors family they were feeling hemmed in in their town property and really wanted a move to somewhere more rural with more space.
Having had some previous credit issues a few years prior due to a personal situation they were initial told by other advisers that they would have to wait, and keep their dreams on hold until that old issue become more historical.
We found them the solution they needed to move ahead now, allowing them to give their children the upbringing they wanted them to have, after all the children are only young once and sometimes waiting is not so much of an option! Being part of their journey was a wonderful feeling and getting to see photos of them walking on the beach confirmed why we do what we do here, taking the extra time needed to understand and support our clients to the right solution.
Frequently asked questions
The homes in my area are expensive – can you suggest a way to help?
Some lenders will lend more than others, it’s our job to go through the different options to find you the best possible lending amount to give you the best chance of getting in the area you want. Professional occupations get additional access with some lenders, Key workers can get extra lending with certain lenders, and sometimes there might be housing schemes to help you to stay in a certain area. Contact us and we can help you to look through the options.
Lenders calculate your affordability based on your income and outgoings, so they consider your basic salary, any commission or overtime etc, and they also consider any current financial commitments, any children or adult dependents in your care. We can help you to work out the maximum you can borrow based on lenders calculations.
There are limited government schemes that may be able to help you stay in a more expensive area, you can find out more about the shared ownership scheme here.
How long should I fix my mortgage rate for?
A new mortgage is a time for you to ask yourselves some questions on your future plans. Your future plans will dictate what type of product you can choose and there are many different types of products available to you not just a two or five year fixed. Make sure when you speak with us, to discuss all those plans so we can guide you in the right direction. Contact us now to guide you through your choices.
If you are buying through a special scheme like the right to buy scheme and depending on your individual circumstances, it may be advisable to consider a longer term product so that you have security during the scheme’s pre-emptive period.
Fixed rates offer security for your future payments, but you can also consider variable and discounted rates too, which may offer more flexibility if you plan to move soon or are expecting changes in your circumstances.
I’m self-employed or a contractor?
Depending on the way in which your business is set up or the way in which you are paid you may need to provide different paperwork. Sole traders need to send their tax calculations (previously known as SA302’s) and the matching tax overview which confirms the tax paid. Limited company directors may need to send these personal returns but also the company accounts. A contractor could be asked for your latest and previous contracts, you could be asked for your tax returns or if using an umbrella company you may need to provide the contract and the payslips from the umbrella company. If you are part of the construction industry scheme, you may need to send your CIS remittance slips and your tax calculations (previously known as SA302’s) and the matching tax overview which confirms the tax paid. Your accountant or umbrella company should be able to help you access these. If you’re a sole trader doing your own accounts you can access the needed paperwork through your government gateway account and we can provide guides to help you with this.
We have collated a number of top tips for preparing for a mortgage when your self-employed and answering some of the questions you may have about how being self-employed might impact your application here too.
Do child maintenance payments count towards mortgage affordability?
Again, this varies from lender to lender and can depend on the age of the child. Some lenders consider maintenance as long as it regularly shows on your bank statements, some require a court order or child maintenance order and some will only consider a percentage of the monies received. Speak to us directly to see which lenders would be best for you.
We have collated a number of questions you may have about how childcare costs or maternity etc might impact your application here too.
We know that every situation and every family is unique, so if you have other questions or want a one-to-one chat about your personal situation and how it may impact mortgages please do contact us.
Can you still get a mortgage with bad credit?
Yes, you can. You may find due to your bad credit that there are additional steps required of you from the lender, to enable them to feel comfortable providing you with a mortgage when you’ve had bad credit in the past, but this does not mean that it’s impossible for you. You can find out more about bad credit mortgages here.
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MORTGAGE ADVISeR in essex
Evergeen Mortgages is based in Upminster, Essex and provides mortgage advice.
Covering the majority of Essex including Brentwood, Shenfield, Billericay, Basildon, Chelmsford, Canvey Island, Dagenham, Epping, Hornchurch, Ilford, Ingatestone, Maldon, Romford, Southend, Upminster and Wickford.
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Evergreen Mortgages, 9 Stanley Road, Bulphan, Upminster, Essex, RM14 3RX
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LEGAL INFORMATION
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.