First Time Buyers

Buying your first home can be a daunting experience. Understanding all the terminology that the mortgage process brings can be quite a challenge. We pride ourselves on keeping things clear and simple at evey stage of the process with your adviser working alongside you to help and guide you.

You may have many questions:

How much can I borrow?

How much deposit do I need?

Is my credit rating good enough?

How much will it cost?

What insurance do I need?

We can help with answers to all of these questions and more . We can discuss your needs at any time whether you have found a property or are just starting to think about your first purchase.

We search the whole of the market to find the best options for you for both mortgages and protection. This saves you the time of going to every provider and ensures you get the best deal. 


Whether your rate is ending and you are looking for a new deal, or you want to borrow additional funds for a purchase or to repay other loans we can advise on the best options for you including those from your existing lender. If you have a Help to Buy Equity Loan or a Shared Ownersip property we can advise on options for repaying these schemes.

Fee free service for new and existing customers. We contact existing customers up to 6 months before the expiry of their rate to discuss options and future plans.

It is important in this area that again a client’s fees are kept low, as most clients do not wish to pay for valuation or legal costs when it comes to a new mortgage rate. We look firstly at your current provider to see what they would offer you to stay with them and we then look at the open market to see if there is anything better that can be applied for.

We look after all our existing clients to ensure that once they use our services that they are then looked after year in and year out.

Contractor Mortgages

The ways in which people are paid are constantly changing and the number of fixed term, open-ended and zero hours contracts are increasing. These type of contracts are often found in the IT and service sectors and in the past have provided challenges to obtaining a mortgage.

With years of experience in this field we have access to a large number of lenders who are able to consider these types of contracts so we can make this an easier process than previously experienced. Often we are able to obtain the exactly the same rates that are offered to employed applicants.

Typically contractors have had to pay additional fees to advisers to help find a mortgage. At Evolve our charging is exactly the same as employed applicants.


Adverse Lending

Sometimes things don't quite work out as planned and you may have experienced credit issues which you might think make you ineligible for a mortgage. We have spoken to many customers like this and surprised them by being able to find a lender who will offer the mortgage they are looking for.

Some examples of credit issues we have overcome:

  • Late or missed payments
  • Defaults
  • County Court Judgements
  • Debt Management Plans
  • Bankruptcy and IVAs
  • Reposession

Naturally, it will depend on the exact circumstances and the age of the credit issues but we can advise on what options are available either now or give a timescale for when lenders may consider a mortgage application or what you can do to help improve your credit rating.

You can check your own credit rating. The ones most frequently used by lenders are Experian, Equifax and Call Credit (Noddle) 

Buy To Let

At Evolve we are able to assist with a vast number of Buy to Let scenarios including:

  • Buy to Let Purchase
  • Buy to Let Remortgage and Product Switch
  • Capital Raising on existing Buy to Let properties
  • Portfolio Landlords (4 or more Buy to Let Properties)
  • Limited Company Buy to Lets
  • Let to Buy (Remortgage of current home to a Buy to Let)

As we are whole of market we have the opportunity and expertise to find the right solution and best rates from a large range of providers.

Equity Release and Lifetime Mortgages

We are able to offer Equity Release and Lifetime mortgages through Evolve Lifetime - please see our website 

How Much Can I Borrow?

You could borrow up to:


  Capital Repayment
  Interest Only Repayment

Monthly Repayment:


Total Interest Paid:


Total Repayment:


Figures provided will be dependent on your financial situation, property value and the size of your deposit or equity.

Our housing needs change throughout our lives no matter where you live and it can be difficult to find the right mortgage, especially since changes in lending came into effect during the global downturn.

Securing the right finance that matches your needs can really save you time, money and most importantly stress. Whether you are looking to buy your first home, thinking of investing in retail property or perhaps to build a retirement nest egg we can help. When children leave home often people look to downsize or even to free up some funds to get your children on the property ladder.


Note: The results you obtain from the mortgage calculator are for general guidance only. The results cover only interest and/or capital repayments. They do not include any fees or charges that may be associated with obtaining a mortgage. Note that future interest rates may go up. You should seek independent financial advice on the type and size of mortgage which you may be able to obtain based on your specific personal circumstances.

Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it.