our process

We like to make things as clear and simple as possible to help you understand every step of the journey with us.

Everyone has their own unique situation and advising isn’t just about obtaining the mortgage needed right now but also helping people to put in place a plan so they can achieve their long-term goals. Perhaps because of your unique situation, now isn’t the right time to get a mortgage. It happens and you are not alone, but you need an adviser who can work with you to help you put in place the steps to get you to your new home, to give that security to you and your family, and move towards the dream. That is what I can do for you.

Initial Call

Confirm a broad overview of your situation and what you need help with

Adviser confirms the level of service we can provide and highlights any important points you need to consider, and requests documents needed for next steps, like payslips,bank statements and ID

Affordability Discussion

You and your adviser will discuss your income and outgoings from the documents you provided, and decide on an acceptable budget for your monthly payments

Your adviser will guide you on what purchase price you can afford for your new home and likely mortgage rates

Your adviser will discuss insurances with you to confirm what you may need

You and your adviser will discuss additional costs you need to keep in mind like solicitors, stamp duty, advice and product fees

Product Recommendation Call

Your mortgage adviser will go through your best options for a mortgage and insurances based on the up to date and current rates and your specific needs and circumstances

AIP

Your adviser will apply to the best lender for you and obtain your agreement in principle

House Hunting

You find your new dream home using the budgets discussed

Place an offer through the estate agent and have your offer accepted by the seller

Application Submission

The lender checks your documentation and completes a valuation on the property you wish to buy

Your adviser will keep you updated on the progress, but the timeline on this varies widely from lender to lender, it could take 2 weeks or it could take 6 weeks to get to mortgage offer

Mortgage Offered

Lender agrees your mortgage offer – it’s important to maintain your financial position after this point until after completion, no changing jobs or signing up for a new car!

Your adviser will go through the mortgage offer with you and point out all the important parts, and answer any questions you have

Your Solicitors Turn

Instruct the solicitors if you haven’t done so already

Solicitors complete searches on the property

Solicitors speak to the sellers solicitors and complete their ‘enquiries’

They will ask you to sign mortgage deeds etc.

Exchange

Time to send your deposit to the solicitor – make sure the account details are accurate, and call the solicitors to check before sending – on the original number you instructed them on (scammers have been know to try to take advantage here)

You are now legally obliged to complete on the purchase

Insurances should be in place, your adviser will be able to confirm this for you

Congratulations

CONGRATULATIONS! It’s time to pick up your keys!

GET STARTED

AREAS COVERED

MORTGAGE ADVISeR in essex

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.

get in touch

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

01277 281828

jenny@evergreen-mortgages.com

our details

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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.