How to protect yourself from the impending mortgage rate increase

With financial experts predicting the Bank of England will raise the base interest rate at some point in the near future, it looks like we’ll soon be saying goodbye to the era of record-low mortgage interest rates. So where does that leave homeowners? Read on to find out how to plan your next moves.

Homebuyers, skip the independent survey at your peril!

For the Evolve FS team, the scariest campfire story starts with the sentence ‘A homebuyer bought a house without an independent survey.’ We’ve heard this one many times over the years, and believe us when we tell you it never ends well. It’s a tale of happy couples settling into their new home, only to find damp taking over, foundations moving, and a roof full of holes. Sometimes, it’s even worse than that. Fortunately, this is a horror story that won’t be getting a sequel, just as long as you read on and heed our advice.

Relocation - The Evolve guide

Finding the right home is one thing, but finding the right area is quite another. In fact, even a dream home can turn into a bit of a nightmare if you find you are struggling to warm to the area around it. And while Rightmove might be an amazing resource for finding houses, it falls flat when helping you assess the merits of different locations. So if you’re still mulling over the right area for you to set down fresh roots, then read on, because we’ve got some great advice on narrowing down your options, and making the right decision.

From staycation to relocation.

With staycations surging in popularity over the last two summers, many of us have had the opportunity to discover the more coastal, picturesque and quaint parts of the UK. And thanks to increased working flexibility, a growing number of people are now looking at more long-term relocations away from the rat race. So if your flight-free summer getaway has inspired you to think about selling up, then read on, because we can help you plan your next steps.

What is critical illness insurance?

Who would support you and your family if you were diagnosed with a serious illness? If you encountered a sudden emergency health issue, or needed life-saving surgery, would your employer continue to pay your salary while you recovered?

Buildings and contents insurance....

If you’re getting a mortgage, you’ll already know that you need buildings insurance in place before you can exchange contracts. However, what you might not know is that you don’t need to go with the insurance provider your mortgage broker recommends. In fact, there’s usually a much better deal out there. At Evolve FS, we’ve saved many homebuyers significant amounts of money over the years by finding them great deals on both buildings and contents insurance. So if you’re in the process of getting cover in place, and not sure what types and level of home insurance you need, then read on, for expert advice from the Evolve FS team.

Do I need income protection insurance...?

Are you a working age adult and concerned about what would happen if injury or illness meant you couldn’t work for a long period of time? For the many people who can’t rely on their employer’s sick pay allowance to cover their expenses and financial commitments, income protection cover offers peace of mind. However, there are many different policies out there, and each differs on how much money you would be entitled to, over what lengths of time, and for what reasons. So if you are considering income protection insurance, read on to discover how it works, and what Evolve can do to help you get a great deal.

Evolve Financial Solutions and MAB

Evolve Financial Solutions are excited to announce their involvement as an authorised representative with the MAB network. The Mortgage Advice Bureau is the UKs most recognised mortgage intermediary and the acquisition of a stake in Evolve will see it strengthen its new homes broker panel and proposition for the UK’s leading builders.

Is your life insurance in place?

Life insurance, like setting up a will, is something that’s easy to put off. However, ensuring your loved ones are financially covered in the event of your death is something you should take the time to think about. Particularly if you have dependants, and significant debts such as a mortgage.

Get your finances in order by December!

If spring is the time when people get serious about moving house, then summer is the time when people really start sweating over their options.