Independent Mortgage Brokers
Buying a property is probably the biggest financial decision we make in our lives. It can also seem one of the most daunting. It is for these very reasons that independent impartial advice from competent and qualified advisers is imperative. Whether you are a first time buyer, looking to remortgage, are a buy to let investor or even looking to release equity to provide income in retirement, our specialist mortgage advisers are help to help.
Being Independent makes a difference!
There are hundreds of lenders, and thousands of mortgages, to choose from. There are repayment, interest-only, endowment, pension-linked and ISA mortgages. These can have interest rates which are fixed, variable, capped, collared and capped, discounted, tracker or cash-back. With all this to compare and contrast, how can you be sure of making the right choice?
The answer is to use Evergreen Financial. Our highly experienced and skilled mortgage specialists will take the time to get to know your circumstances, objectives and preferences. Being independent, we really do research the entire market, using sophisticated I.T. systems, to find the most appropriate mortgage for you.
For details of our fees for mortgage advice, please see the “How we are paid” page.
Your home may be repossessed if you do not keep up repayments on your mortgage.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Securing short term debts against your home could increase the term over which they are paid and therefore increase the overall amount payable You may have to pay an early repayment charge to your existing lender if you remortgage.
How we are paid
On receiving an enquiry we will discuss with you (initially over the phone), whether we are able to assist with meeting your needs and objectives. We will also discuss how we would be paid for our services should we be instructed to proceed. There is no charge for this preliminary conversation and no obligation on either side.
After the initial free consultation, we will agree with you whether you pay us a fee, or we are paid out of the cost of any financial product you buy (commission) or a combination of the two. We will always tell you about any commission we earn, and it will be taken into account in working out our fee.
Commission is paid to an advising firm by the provider, i.e. the lender or the insurance company, for the successful placing of business. The commission is included within the provider's normal product charges, so there is nothing you need to pay us in addition. The amount of commission is based on a percentage of the premiums payable or loans agreed.
We offer clients an option to pay by a fee which is calculated on a percentage of the loan. We would then refund any commission we receive from the lender for that mortgage. If the mortgage is an adverse case (i.e. where your credit history may not be intact), therefore more work and time is required, the fee will increase.
In all cases, if you ask us to arrange a mortgage for you we may charge an administration fee of £595 for residential and Buy to Let mortgages.
Whether we take our remuneration by way of commission, fees or a combination of the two, will be a matter of discussion and agreement, and no charges for fees will be made without prior notification in writing.