# Evermore Mortgage Brokers

> Thornbury, Bristol & South Glos


## Posts

- [Contractor and Tradesperson Mortgages](https://evermoremb.co.uk/contractor-and-tradesperson-mortgages/): Why Getting a Mortgage as a Contractor or Tradesperson Can Feel More Difficult Than It Should Be If you are a contractor, tradesperson or self-employed professional, there is a good chance you have heard conflicting information about getting a mortgage. You may have been told that you need years of accounts before a lender will consider your application. Perhaps someone has said that being self-employed makes it harder to borrow, or that contractors are viewed as a higher risk than employed applicants. Some people even assume they will automatically be offered less than somebody working on a permanent salary. The […]
- [Remortgage Deals Pilning](https://evermoremb.co.uk/remortgage-deals-pilning/): Helping You Understand Your Mortgage Options If you are reviewing your current mortgage deal, understanding your options early can help you make more informed financial decisions. Many homeowners across Pilning and the surrounding South Gloucestershire areas are now exploring remortgage deals to secure greater stability, review monthly repayments, or plan ahead financially. At Evermore Mortgage Brokers, we provide straightforward mortgage advice designed around your circumstances. We support homeowners across Pilning, Bristol, and nearby areas by helping you understand remortgage options clearly and guiding you through the process from start to finish. Our approach is centred around honest conversations, practical advice, […]
- [Mortgage Broker in Chipping Sodbury](https://evermoremb.co.uk/mortgage-broker-in-chipping-sodbury/): Advice That Puts You First Searching for a mortgage broker in Chipping Sodbury usually means you are at an important stage. Whether you are buying your first home, moving, or reviewing your current mortgage, the decisions you make now can shape your finances for years to come. The challenge is that mortgages are not always straightforward. Lenders have varying criteria, rates change regularly, and what looks like a good deal on the surface may not suit your situation in the long term. This is why many people look for our clear, reliable mortgage advice in Chipping Sodbury before moving forward. […]
- [Mortgage Broker in Bradley Stoke](https://evermoremb.co.uk/mortgage-broker-in-bradley-stoke/): Mortgage Broker in Bradley Stoke: What Good Mortgage Advice Means for You If you are searching for a mortgage broker in Bradley Stoke, you are making a really important financial decision. Whether you are buying your first home, moving, or reviewing your current deal, the choices you make now will shape your future finances, and this is why clear, tailored mortgage advice in Bradley Stoke really matters. Why Mortgage Advice Matters More Than You Think A mortgage is not just about securing a loan; it’s about finding the right deal that fits your circumstances today and supports your plans for […]
- [What Mortgage Protection Do First-Time Buyers Need in 2026? A Confident Guide to Protecting Your First Home](https://evermoremb.co.uk/mortgage-protection-first-time-buyers-2026-guide/): What Mortgage Protection Do First-Time Buyers Need in 2026? A Confident Guide to Protecting Your First Home   Buying your first home is one of the most exciting moments in your life. It’s the moment you move from “renting and hoping” to “owning and building”. But in 2026, first-time buyers face a more complex mortgage landscape than ever before. Rising living costs, evolving lending rules, and ongoing economic uncertainty mean that protecting your home is no longer optional — it’s essential. So the real question isn’t just: “Can I get a mortgage?” It’s: “What mortgage protection do first-time buyers need […]
- [Fixed vs Tracker Mortgage in 2026: A Confident Guide to Choosing the Best Rate](https://evermoremb.co.uk/fixed-vs-tracker-mortgage-uk-confident-rate-guide/):   Fixed vs Tracker Mortgage in 2026: A Confident Guide to Choosing the Best Rate   If you are applying for a Mortgage this year, one question dominates the UK housing market: Should I choose a fixed vs tracker mortgage in 2026? With interest rates still evolving and affordability under pressure, choosing between a fixed rate mortgage in 2026 and a tracker mortgage in 2026 could affect your finances for decades. In this guide, we answer the question honestly: Which is the best mortgage rate in 2026 — fixed or tracker? And how can you choose with confidence? Why Fixed […]
- [How Much Can I Borrow in 2026? Your Confident Mortgage Guide](https://evermoremb.co.uk/how-much-can-i-borrow-in-2026-your-mortgage-guide/):   How Much Can I Borrow in 2026? Your Confident Mortgage Guide One of the most important questions UK homebuyers are asking today is: How much can I borrow in 2026 on a mortgage? With lending rules evolving, new high-income schemes emerging, and affordability models becoming more sophisticated, understanding how much you can borrow in 2026 has never been more important. In this guide, we’ll explain exactly how mortgage borrowing works in 2026, which lenders offer the highest income multiples, and how you can maximise your borrowing safely and confidently. How Much Can I Borrow in 2026? The Simple Answer […]
- [Moving House in Thornbury or Alveston](https://evermoremb.co.uk/moving-house-mortgage/): Mortgage Advice That Helps You Move With Confidence Evermore’s mortgage advice for first-time buyers and existing homeowners moving house will help you view properties and make offers with confidence and clarity, whether you are buying a new build, doing a self-build, or moving house in Thornbury or Alveston.  Table of Contents Moving House in Thornbury or Alveston – What You Need to Know First How Your Mortgage Fits Into the Moving Process Do You Need a New Mortgage When You Move House? Porting Your Mortgage vs Starting Again Why Local Mortgage Advice Matters When Moving Home How We Help You […]
- [Consider a New or Nearly New House in Thornbury](https://evermoremb.co.uk/new-build-mortgage-advice-thornbury/): Why Thornbury and a Newer Home Can Make Sense for Your First Purchase If you are buying your first home in Thornbury, it is easy to feel pulled in two directions. On one side, you want a home that fits real life, space that works day to day, a layout that makes sense, and something you can move into without a long list of jobs before it feels settled. On the other side, you want your first mortgage to feel manageable. You want to know what you are committing to each month, and you want the buying process to stay […]
- [Remortgage Advice Bristol](https://evermoremb.co.uk/remortgage-advice-bristol/): Remortgage Your Home in Bristol Remortgaging can feel like a big step for anyone in Bristol or South Gloucestershire who wants to be certain that every decision supports their long-term plans. At Evermore Mortgage Brokers, we understand that your mortgage is often your biggest financial commitment, and switching needs to feel clear, purposeful, and in your best interest from the very beginning. Get in touch with us if you need remortgage advice Bristol. When you explore whether remortgaging could improve your monthly payments, release funds for improvements or provide more stability at a new fixed rate, what you want most […]
- [What Protection Insurance Do First-Time Buyers in Bristol Actually Need?](https://evermoremb.co.uk/first-time-buyer-protection-insurance-bristol/): What protection insurance is needed for first-time buyers in Bristol and South Gloucestershire? Buying your first home in Bristol is one of the most exciting moments of your life, but it can also feel overwhelming. You will have worked hard to save your deposit, you’ve searched for the right property, and now you’re committing to one of the biggest financial responsibilities you’ll ever take on. It’s natural to focus on the mortgage itself, but you should also consider what would happen if your circumstances changed. Protection insurance exists to make sure that whatever life brings, whether illness, injury, loss of […]
- [What Is a Self-Build Mortgage (and How Is It Different from a Standard Mortgage?)](https://evermoremb.co.uk/what-is-a-self-build-mortgage-and-is-it-different/): The Complete Guide to Remortgaging for a Self-Build Project in the UK (And How Evermore Mortgage Brokers Can Help You Make It Happen) Introduction – Building Your Dream Home Starts with the Right Finance   If you’re reading this, then chances are you’re imagining more than just moving house — you’re imagining building a home. A home that’s tailored, that reflects your taste, your needs, your lifestyle. A home you’ve helped design, build, and will genuinely live in. That’s the self-build dream. But let’s be honest: financing a self-build project is different from buying a ready-made property. And if you […]
- [Mortgages and Protection Insurance Bristol](https://evermoremb.co.uk/mortgages-and-protection-insurance-bristol/): Helping You Make Confident Choices About Your Mortgage and Protection Insurance in Bristol Buying a home or arranging protection insurance can feel overwhelming, especially when you’re faced with so many options, rates, and confusing terms. You want the right advice, not a sales pitch. You want someone who takes the time to understand your circumstances, your goals, and what’s realistically achievable for you. This is exactly where Evermore Mortgage Brokers comes in. Based in Bristol, Evermore are expert mortgage and protection specialists. This means you aren’t limited to a single bank or lender’s products. Instead, you gain access to a […]
- [100% Mortgages - What are the Pro's and Con's?](https://evermoremb.co.uk/100-mortgages-what-are-the-pros-and-cons/): Introduction    The Return of 100% Mortgages: What You Need to Know About April Mortgages In the world of homeownership, the dream of stepping onto the property ladder has long been a central ambition for many Brits. But for years, securing a mortgage with little or no deposit was considered a thing of the past — a casualty of the 2008 financial crisis and the subsequent tightening of lending criteria. Now, however, a small but growing number of lenders, including April Mortgages are reintroducing 100% mortgage products. So, what does this mean for prospective buyers? Let’s explore.   The Return […]
- [Re-mortgaging: When and Why You Should Consider It](https://evermoremb.co.uk/re-mortgage-what-is-it/): Introduction    If you’re a homeowner in the UK, chances are you’ve heard the term re-mortgaging tossed around. But what exactly does it mean? More importantly, when is the right time to re-mortgage, and why should you consider it? Whether you’re looking to reduce your monthly payments, release equity, or switch to a better deal, re-mortgaging can be a powerful financial tool — if used wisely. In this comprehensive guide, we’ll explore everything you need to know about re-mortgaging, including its benefits, timing, and the step-by-step process to make it work in your favour.   What is re-mortgaging?   In […]
- [Unlocking Homeownership for the Self-Employed: How Evermore Mortgage Brokers Can Help](https://evermoremb.co.uk/unlocking-homeownership-for-the-self-employed/): Unlocking Homeownership for the Self-Employed: How Evermore Mortgage Brokers Can Help   In today’s dynamic economic landscape, more individuals are opting for self-employment as a pathway to career fulfilment and financial independence. However, the labyrinth of securing a mortgage can present significant hurdles for those who have chosen this route. Traditional lenders often lean heavily on standard income verification processes, which can leave self-employed individuals feeling locked out of the property market. Thankfully, that’s where Evermore Mortgage Brokers step in. In this blog, we will delve into the unique challenges faced by self-employed individuals seeking a mortgage, examine how lenders […]
- [Unlocking Homeownership: How Evermore Mortgage Brokers Can Help Those with Low Deposits](https://evermoremb.co.uk/how-evermore-mortgage-brokers-can-help-those-with-low-deposits/): Unlocking Homeownership: How Evermore Mortgage Brokers Can Help Those with Low Deposits   Navigating the world of mortgages can often seem like a daunting task, particularly for first-time buyers or those looking to secure a home with a low deposit. In a market that frequently shifts and changes, having the right support is essential. That’s where Evermore Mortgage Brokers come in—we’re here to help you find the mortgage solution that fits your unique situation. In this blog, we’ll explore various mortgage options tailored for clients with low deposits, highlight key offerings from reputable lenders such as Tipton & Coseley, Barclays, […]
- [Your Comprehensive Guide to Buying Your First Home in Thornbury, South Gloucestershire](https://evermoremb.co.uk/your-comprehensive-guide-to-buying-your-first-home-in-thornbury-south-gloucestershire/): Your Comprehensive Guide to Buying Your First Home in Thornbury, South Gloucestershire   Introduction   Buying your first home is not just a financial investment; it is a pivotal moment in your life. It’s a journey filled with excitement, anticipation, and sometimes, a bit of anxiety. If you are a first-time buyer looking to purchase a home in Thornbury, South Gloucestershire, you’re in an advantageous position. With its charming surroundings, rich history, and community spirit, Thornbury offers a delightful setting for your new home. In this comprehensive guide, we will explore everything you need to know about the home-buying process […]
- [Understanding the Joint Borrower, Sole Proprietor Mortgage: A Comprehensive Guide](https://evermoremb.co.uk/understanding-the-joint-borrower-sole-proprietor-mortgage-a-comprehensive-guide/): Understanding the Joint Borrower, Sole Proprietor Mortgage: A Comprehensive Guide   Introduction   Navigating the complexities of the mortgage landscape can be a daunting task, particularly for first-time buyers or those looking to invest in property. Among the various options available, the Joint Borrower, Sole Proprietor (JBSP) mortgage is a viable solution for many. But what exactly is a JBSP mortgage, and how can it benefit you? In this blog, we will delve deep into the nuances of JBSP mortgages, clarify who can benefit from them, and explain how Evermore Mortgage Brokers can assist you in making the most informed […]
- [We're over the moon, again! Evermore Mortgage Brokers wins Award of Excellence 2024](https://evermoremb.co.uk/were-over-the-moon-again-evermore-mortgage-brokers-wins-award-of-excellence-2024/): Check out a press release from E2 Media regarding our recent Award of Excellence!  In any industry there are always organisations that stand out from their peers and set the standards that others in their field have to aspire to achieve. As local mortgage advisers based in Thornbury in South Gloucestershire, Evermore Mortgage Brokers is an organisation that certainly meets this criteria leading the way when it comes to providing mortgage advice in their region. They have made quite a name for themselves over recent years establishing a well deserved reputation as one of the rising stars of the industry […]
- [Unlocking the Potential of Buy-to-Let Mortgages: A Guide for Investors](https://evermoremb.co.uk/unlocking-the-potential-of-buy-to-let-mortgages-a-guide-for-investors/): In a time when traditional investment avenues such as stocks and bonds exhibit volatility, many investors are turning their attention toward the property market, particularly buy-to-let (BTL) mortgages. These financial products have gained immense popularity among investors seeking to generate passive income and capital appreciation. This guide aims to unlock the potential of buy-to-let mortgages, providing valuable insights and actionable strategies for savvy investors.
- [Your First Home Awaits: Demystifying the UK Mortgage Process for First-Time Buyers](https://evermoremb.co.uk/mortgages-for-first-time-buyers/):   Your First Home Awaits: Demystifying the UK Mortgage Process for First-Time Buyers   Buying a home is arguably one of life’s biggest milestones. The prospect of owning your very first home brings excitement and dreaming of future possibilities. However, if you’re a first-time buyer, the mortgage process can often feel confusing and overwhelming. Understanding the ins and outs of obtaining a mortgage can be the key to a smooth home-buying journey. In this comprehensive guide, we’ll break down the UK mortgage process step by step, empowering you with the knowledge you need to navigate it confidently. Table of Contents […]
- [We're Over the Moon! Evermore Mortgage Brokers Wins Prestigious Small and Mighty Award!](https://evermoremb.co.uk/evermore-mortgage-brokers-wins-award/): We’re Over the Moon! Evermore Mortgage Brokers Wins Prestigious Small and Mighty Award! We’re thrilled to announce that Evermore Mortgage Brokers has been recognised as a winner in the prestigious Small and Mighty Awards. This esteemed award is a testament to our commitment to excellence in the mortgage broking industry and our dedication to providing exceptional service to our clients.         What are the Small and Mighty Awards?   The Small and Mighty Awards is a program that celebrates the achievements of small businesses across various industries. The awards aim to recognise the hard work, innovation, and […]
- [What is Income Protection?](https://evermoremb.co.uk/what-is-income-protection/): Understanding Income Protection Insurance Policies with Evermore Mortgage Brokers In today’s unpredictable world, financial security is more crucial than ever. Whether you’re a young professional, a seasoned worker, or nearing retirement, understanding the various forms of insurance available to you is essential. One insurance policy that often gets overlooked, yet can make a significant difference in times of need, is Income Protection Insurance (IPI). At Evermore Mortgage Brokers, we believe that financial resilience is a cornerstone of peace of mind. In this blog post, we’ll delve into what Income Protection Insurance is, why you might need it, the types of […]
- [Shared Ownership Mortgages in the UK: Unlocking Homeownership Opportunities](https://evermoremb.co.uk/shared-ownership-mortgages/): The dream of owning a home shouldn’t be out of reach for everyone. In the United Kingdom, Shared Ownership mortgages have emerged as a popular solution, allowing people to take a step onto the property ladder. Combining the benefits of renting and homeownership, this unique scheme has both advantages and concerns worth exploring, which we will in our handy Evermore Mortgage Brokers blog below! What is Shared Ownership Mortgage?   Shared ownership mortgages in the UK are government-backed initiatives aimed at assisting individuals or households who cannot afford to buy a home outright. Under this scheme, prospective buyers can purchase […]
- [First Time Buyers - Top 10 Questions Asked](https://evermoremb.co.uk/first-time-buyers-top-10-questions/):   Buying your first home, or any home is one of the biggest purchases you will make and it’s most probably something you have been thinking about for some time. There is a lot of advice for first time buyers and there is no one size fits all when it comes to your first mortgage. Everyone’s situation and circumstances are different so the first thing we would say is to get advice that if right for you! At Evermore Mortgage Brokers, we have helped many first-time buyers purchase their first home and we’ve shared our top 10 most common questions […]
- [What is an Interest Rate?](https://evermoremb.co.uk/what-is-an-interest-rate-with-mortgage/): Interest rates are an essential aspect of the economy and the financial world. They represent the cost of borrowing funds, typically expressed as a percentage of the borrowed amount. Lenders use these rates to generate profits, while economies employ them as tools to manage monetary supply and stimulate growth. With this pivotal characteristic of interest rates in mind, let’s delve deeper into how they influence the process of purchasing or re-mortgaging a property. How does an Interest Rate affect me buying or re-mortgaging a house?   For house purchases, interest rates play a critical role in a multitude of ways. […]
- [What are the different Mortgage types?](https://evermoremb.co.uk/what-are-the-different-mortgage-types/): When it comes to mortgages, there’s no “one-size-fits-all” approach. The right choice depends on your unique financial goals and situation. With the property market continuously evolving in the UK, being fully informed about your mortgage options is pivotal. Let’s delve deeper into various mortgage types and provide more extensive considerations that will aid you in making an informed decision. Understanding the Landscape of Mortgage Options   Selecting the right mortgage is about much more than simply choosing the lowest interest rate. Beyond this initial consideration lies a complex web of factors—including the length of the mortgage, flexibility of repayments, potential […]
- [Understanding Valuation Fees: A Comprehensive Guide for Home Buyers](https://evermoremb.co.uk/guide-to-understanding-valuation-fees/):   What is a valuation fee?   A valuation fee is an essential cost that homebuyers encounter during the home purchasing process. This fee is paid to a professional valuer, a qualified expert who provides an independent assessment of a property’s market value. It’s a crucial step in ensuring that the investment you are about to make is sound and that you’re not overextending yourself financially. The Importance of Valuation Fees   When you embark on the journey to buy a home, there are numerous expenses to consider: mortgage fees, solicitor fees, and various other costs that arise during the […]
- [What is a Guarantor Mortgage?](https://evermoremb.co.uk/a-guide-to-guarantor-mortgages/):   Guarantor Mortgages: A Comprehensive Guide   In the realm of home buying, various options exist for aspiring homeowners, and one of those is the guarantor mortgage. If you’re in a position where you need a little extra financial support to secure a mortgage, understanding this option can open new doors for you. Let’s explore what a guarantor mortgage entails, who can be a guarantor, and what alternatives may be available for those looking to navigate the home buying process.   What is a Guarantor Mortgage?   A guarantor mortgage is a type of home loan that allows someone, typically […]
- [What is a Mortgage Broker, and what do they do?](https://evermoremb.co.uk/what-does-a-mortgage-broker-do/): What is a Mortgage Broker?   Navigating the world of mortgages can be daunting, especially for first-time homebuyers or those unfamiliar with the intricacies of the lending landscape. That’s where a mortgage broker steps in as a guiding light, steering you through the sometimes murky waters of obtaining a mortgage. But what exactly does a mortgage broker do, and how can they benefit you? Let’s dive into the role of a mortgage broker and explore the many advantages they offer to borrowers. Understanding the Mortgage Broker’s Role   At its core, a mortgage broker is a financial professional who serves […]
- [What is a Conveyancer, and what do they do?](https://evermoremb.co.uk/what-is-a-conveyancer-how-they-help/): What is a conveyancer?   Purchasing a home is an exhilarating journey, but it’s not without its fair share of complexities. Amid the array of professionals involved—real estate agents, mortgage brokers, and inspectors—one key player often stands out for its crucial behind-the-scenes role: the conveyancer. But what exactly does a conveyancer do, and why are they vital to the home-buying process? Let’s explore the world of conveyancing in detail, unravel its mysteries, and understand how Evermore Mortgage Brokers can assist you in finding the perfect conveyancer for your needs. Understanding Conveyancing   At its core, conveyancing refers to the legal […]
- [Understanding Buildings and Contents Insurance](https://evermoremb.co.uk/buildings-and-contents-insurance/): When it comes to owning a home, safeguarding your investment should be a top priority. Buildings and contents insurance, often referred to simply as home insurance, plays a crucial role in providing financial protection for homeowners against unexpected events that could jeopardise one of your most valuable assets. This comprehensive guide will break down the intricacies of buildings and contents insurance, explain the essential coverages, discuss the exclusions, and offer insights into how Evermore Mortgage Brokers can assist you in finding the right policy tailored to your needs. What Is Buildings and Contents Insurance?   Buildings and contents insurance encompasses […]
- [What are the additional costs associated with Moving?](https://evermoremb.co.uk/what-are-additional-costs-associated/): What are the additional costs associated with Moving?   When purchasing a property in the UK, it’s important to be aware of the additional costs beyond the purchase price. These additional costs can often add up unexpectedly, so it’s important to budget for them when planning your purchase. Stamp Duty Land Tax (SDLT)    Stamp Duty Land Tax (SDLT) is generally the largest additional cost associated with buying a home in the UK. This tax applies to all properties over a certain value and is calculated based on the purchase price of the property. The rates vary according to the […]
- [Freehold vs Leasehold Properties: Understanding the Key Differences](https://evermoremb.co.uk/freehold-leasehold-properties-differences/): Freehold vs Leasehold Properties: Understanding the Key Differences   When delving into the world of property ownership, one of the most crucial distinctions to grasp is the difference between freehold and leasehold properties. As someone who has spent considerable time navigating the complexities of the housing market, I understand that this topic can often seem convoluted and overwhelming. However, understanding these two types of ownership is vital if you wish to make an informed decision when purchasing a home. In this blog, we’ll break down the differences between freehold and leasehold properties, examine the pros and cons of each, and […]
- [Understanding Mortgages in Principle: Your Guide to Securing a Home](https://evermoremb.co.uk/guide-to-mortgages-in-principle/): Understanding Mortgages in Principle: Your Guide to Securing a Home    When it comes to buying a home, one of the initial steps you’ll encounter is securing a mortgage in principle (MIP). This seemingly simple document can be pivotal in your home-buying journey, providing you with the clarity and confidence you need as you navigate the property market. In this blog, we’ll delve into what a mortgage in principle is, how it can aid your mortgage application, and how mortgage brokers like Evermore can support you throughout this process. What is a Mortgage in Principle?   A mortgage in principle, […]
- [Life Insurance: Protecting Your Loved Ones](https://evermoremb.co.uk/life-insurance-protect-your-loved-ones/): Protecting your loved ones is one of the most important things you can do in life. Life insurance is a way to ensure your family is taken care of if the unexpected happens. At Evermore Mortgage Brokers, we understand the value of peace of mind. That’s why we offer a range of life insurance policies, from a variety of providers to meet your needs. Whether you are looking for term life insurance, whole life insurance, or something in between, we have you covered. What is Life Insurance?   Life insurance is a contract between a policyholder and an insurance company, […]
- [Critical Illness Cover: Peace of Mind for You and Your Family](https://evermoremb.co.uk/critical-illness-cover-what-is-it/): Critical Illness Cover: Peace of Mind for You and Your Family   In today’s unpredictable world, ensuring the financial well-being of your family is paramount. Life can throw unexpected challenges our way—serious illnesses, injuries, and unfortunate events can happen when we least expect them. This is where critical illness cover comes into play. At Evermore Insurance Brokers, we are dedicated to helping you comprehend the intricacies of insurance products that can genuinely safeguard your loved ones. In this blog, we will delve deep into critical illness cover, outlining what it is, how it works, its benefits, and why it’s worth […]
- [Understanding Credit Reports: Your Key to Securing a Mortgage with Evermore Mortgage Brokers](https://evermoremb.co.uk/understanding-you-credit-report/):     Understanding Credit Reports: Your Key to Securing a Mortgage with Evermore Mortgage Brokers   When it comes to obtaining a mortgage, understanding your credit report can make all the difference. At Evermore Mortgage Brokers, we firmly believe that knowledge is power. Your credit report is not just a piece of paper; it’s a representation of your financial history and a crucial factor lenders consider during the mortgage approval process. This comprehensive guide will explore what a credit report is, its components, how it affects your ability to secure a mortgage, and how Evermore Mortgage Brokers can assist you […]
- [Deposit Options To Buy The Home Of Your Dreams](https://evermoremb.co.uk/deposit-options-to-buy-your-home/): Deposit Options to Buy the Home of Your Dreams   When you’re ready to take the leap into homeownership, one of the most critical aspects to consider is the deposit. It’s a topic that can cause anxiety for many prospective homeowners. After all, saving for a deposit not only impacts your finances today but can shape your future as a homeowner. I’m here to guide you through the various deposit options available, helping you decide which route may be your best fit. By the end of this article, you’ll be equipped with the knowledge to confidently navigate your journey toward […]
- [Difference's Between Fixed And Tracker Rate Mortgage](https://evermoremb.co.uk/differences-fixed-and-tracker-rate/): Understanding the Differences Between Fixed and Tracker Rate Mortgages   When it comes to mortgages, understanding the different types available can feel overwhelming. With a range of choices out there, it’s crucial to make an informed decision based on your financial situation and long-term goals. Today, we’re diving deep into two of the most popular mortgage options: fixed-rate and tracker-rate mortgages. By the end of this article, you’ll have a clearer perspective on which type might suit your needs best. What is a Mortgage?   Before we dissect the differences between fixed-rate and tracker-rate mortgages, it’s important to understand what […]
- [What Is Stamp Duty, and How Much Do I Need To Pay?](https://evermoremb.co.uk/what-is-stamp-duty-and-how-much-do-i-need-to-pay/):   Understanding Stamp Duty: Costs and How Evermore Mortgage Brokers Can Help   When navigating the intricate world of property purchase in the UK, the term “stamp duty” often arises. While many first-time buyers might have heard of it, few truly understand its implications and costs. As a seasoned financial professional, I believe that knowledge is power. This blog aims to break down everything you need to know about stamp duty, associated costs, and how Evermore mortgage brokers can help you through the process. What is Stamp Duty?   Stamp Duty, formally known as Stamp Duty Land Tax (SDLT), is […]

## Pages

- [Self Build Mortgages](https://evermoremb.co.uk/self-build-mortgages-experts-evermore/): How Evermore Mortgage Brokers Can Help with Self Build Mortgage’s At Evermore Mortgage Brokers, we’re not just securing finance—we’re helping you turn your vision into a reality, brick by brick.  Our team of experts are ready to guide you through every aspect of a Self Build Mortgage. We’ve got a handy blog you may wish to read too. What is a Self Build Mortgage? A self-build mortgage in the UK is a specialised type of home loan designed for those who wish to construct their own property rather than purchase one that’s already built.  Unlike a standard mortgage, funds are […]
- [Protection](https://evermoremb.co.uk/protection/): Protection What would happen to you, and your financial situation if the worst should happen? Not a nice subject to bring up but one we want to highlight to all our clients, and the importance. Life Insurance Protecting Your Future with Life Insurance Advice We believe securing your home should come with peace of mind. Our team offers complementary life insurance consultations alongside your mortgage, ensuring your loved ones are protected.  More about Life Insurance Critical Illness Cover Protect Your Future with Critical Illness Cover Advice Life’s unpredictable—ensure your peace of mind with our complimentary critical illness consultations. We help […]
- [Mortgages](https://evermoremb.co.uk/mortgages/): Mortgages Lets be honest, a Mortgage will be one of the largest, if not the largest financial commitment a person can make in their lifetime. We understand this, and that’s why we offer a personalised service, tailoring these products to your needs. First Time Buyer At Evermore Mortgage Brokers, we understand how emotional and overwhelming buying your first home can be. Let us guide you with care—reach out today and make your dream a reality. More about First Time Buyer Buy To Let Let Evermore Mortgage Brokers guide you through buy-to-let mortgages, capital raising, and remortgaging with local, expert, support […]
- [Buildings & Contents Insurance](https://evermoremb.co.uk/buildings-and-contents-insurance/): Protect Your Home and Belongings with Evermore Mortgage Brokers: Buildings & Contents Insurance Understanding Buildings & Contents Insurance We know lots of people don’t understand what Buildings & Contents Insurance is, and how it can help. We’ve produced a handy blog on insurance to make sure you know, or feel free to contact our team who are happy to help! When it comes to securing your home, there’s more to consider than just the right mortgage. At Evermore Mortgage Brokers, we believe that comprehensive coverage for your property and belongings is essential for every homeowner. That’s why we offer Buildings […]
- [Income Protection](https://evermoremb.co.uk/income-protection/): Secure Your Income with Evermore Mortgage Brokers: Income Protection Insurance Understanding Income Protection Insurance We know lots people don’t understand what Income Protection Insurance is, and how it can help. We’ve produced a handy income protection blog to make sure you know, or feel free to contact our team who are happy to help! When embarking on the journey to home ownership, securing the right mortgage is just the beginning. In today’s unpredictable world, it’s crucial to consider how you will safeguard your livelihood, especially if the unexpected were to occur. That’s where Income Protection Insurance comes into play, as […]
- [Critical Illness Cover](https://evermoremb.co.uk/critical-illness-cover/): Protecting Your Future: Critical Illness Cover with Evermore Mortgage Brokers Understanding Critical Illness Cover We know lots people don’t understand what Critical Illness Cover Insurance is, and how it can help. We’ve produced a handy blog on illness cover to make sure you know, or feel free to contact our team who are happy to help! When searching for the perfect mortgage and plotting the path to home ownership, many find themselves focused solely on securing a great deal. However, an essential layer of protection that is often overlooked is Critical Illness Cover. At Evermore Mortgage Brokers, we recognise that […]
- [Life Insurance](https://evermoremb.co.uk/life-insurance/): Evermore Mortgage Brokers: Safeguarding Your Future with Life Insurance Understanding Life Insurance We know lots people don’t understand what Life Insurance is, and how it can help. We’ve produced a handy blog to make sure you know, or feel free to contact our team who are happy to help! When it comes to securing a mortgage, many people focus solely on finding the right property and a great deal on their loan. However, an essential aspect often overlooked is protecting your financial future—this is where life insurance comes in. At Evermore Mortgage Brokers, we believe that safeguarding your loved ones […]
- [Refer a friend](https://evermoremb.co.uk/refer-a-friend/): Spread the Word and Get Rewarded: Refer a Friend with Evermore Mortgage Brokers At Evermore Mortgage Brokers, we believe in building strong relationships— not just with our clients, but with their friends and family too! That’s why we’re excited to introduce our Refer a Friend Scheme. If you love the service you received from us and want to share that experience, we want to reward you for it! How Does the Refer a Friend Scheme Work? It’s simple and rewarding! Here’s how it works: Refer a Friend: If you know someone who’s looking to secure a mortgage, refer them to […]
- [Low Deposit](https://evermoremb.co.uk/low-deposit/): How Evermore Mortgage Brokers Can Help Low Deposit Clients In today’s property market, the dream of home ownership can feel daunting, especially when faced with the prospect of high deposit requirements. At Evermore Mortgage Brokers, we specialise in helping clients navigate the complexities of securing a mortgage with low deposits. Whether you’re a first-time buyer or looking to move up the property ladder, we’re here to show you that home ownership can be within reach—even if you’re starting with as little as £5,000. Understanding the Challenges of Securing a Mortgage as Low Deposit Many potential homeowners are discouraged by the […]
- [Self Employed](https://evermoremb.co.uk/self-employed/): How Evermore Mortgage Brokers Can Help Self-Employed Clients Being self-employed comes with its own unique set of rewards and challenges, particularly when it comes to securing a mortgage. At Evermore Mortgage Brokers, we specialise in helping self-employed individuals navigate the often complex world of mortgage applications, ensuring you get the financial support you need to purchase your dream home. Whether you’re just starting out or have been running your business for years, we are dedicated to helping you secure the right mortgage—even if you have only one year of accounts. We’ve got a handy blog you may wish to read […]
- [Moving House](https://evermoremb.co.uk/moving-house/): How Evermore Mortgage Brokers Can Help You Move House Moving house is one of life’s most significant milestones, full of excitement and new beginnings—but it can also be a daunting task. At Evermore Mortgage Brokers, we understand that every move comes with its own unique challenges, and we’re here to support you through the entire process. Whether you’re upsizing, downsizing, or relocating, our knowledgeable team is dedicated to ensuring a smooth transition to your new home. Why You Might Be Considering a Move People choose to move for many reasons, and whatever your motivation, we’re here to help you navigate […]
- [Shared Ownership](https://evermoremb.co.uk/shared-ownership/): How Evermore Mortgage Brokers Can Help with Shared Ownership Navigating the world of property ownership can be challenging, especially if you’re considering shared ownership. At Evermore Mortgage Brokers, we’re here to simplify the process and empower you to make informed decisions about your property investment. Our team of experts is ready to guide you through every aspect of shared ownership. We’ve got a handy blog you may wish to read too. What is Shared Ownership? Shared ownership is a fantastic scheme designed to help individuals and families take their first steps onto the property ladder. With shared ownership, you purchase […]
- [Remortgage](https://evermoremb.co.uk/remortgage/): How Evermore Mortgage Brokers Can Help With Remortgages Are you considering remortgaging your property? Whether you want to secure a better interest rate, access additional funds for home improvements, or consolidate your existing debts, Evermore Mortgage Brokers is here to guide you through every step of the remortgaging process. Our mission is to ensure you understand your options and find the most suitable solution for your financial needs. Understanding Remortgaging Remortgaging involves switching your existing mortgage to a new deal, either with your current lender or a different one. It can provide numerous benefits, but navigating the remortgaging landscape can […]
- [Buy To Let](https://evermoremb.co.uk/buy-to-let/): How Evermore Mortgage Brokers help Buy-to-Let Landlords Welcome to Evermore Mortgage Brokers! If you’re considering stepping into the world of buy-to-let properties or expanding your existing portfolio, you’ve come to the right place. Navigating the buy-to-let mortgage landscape can be challenging, but our expert team is here to guide you through every step of the journey. Let’s explore how we can make the process smoother and more successful for you. Understanding the Buy-to-Let Landscape As a buy-to-let landlord, you’re not just making a purchase; you’re making an investment. We recognise the importance of understanding the nuances of the property market, […]
- [First Time Buyer](https://evermoremb.co.uk/first-time-buyer/): How Evermore Mortgage Brokers Can Help First-Time Buyers Congratulations! You’re embarking on an exciting journey towards homeownership as a first-time buyer. At Evermore Mortgage Brokers, we understand that this process can feel overwhelming, but it doesn’t have to be. Our mission is to guide you through every step of the mortgage journey, ensuring you feel confident and informed along the way.  Understanding Your Needs Buying your first home is not just a financial decision; it’s an emotional milestone. We prioritise understanding your unique goals, preferences, and financial situation. Whether you’re dreaming of a cosy flat in the heart of the […]
- [Moving House](https://evermoremb.co.uk/moving-house-old/): How Evermore Mortgage Brokers Can Help You Move House Moving house is one of life’s most significant milestones, full of excitementand new beginnings—but it can also be a daunting task. At EvermoreMortgage Brokers, we understand that every move comes with its ownunique challenges, and we’re here to support you through the entireprocess. Whether you’re upsizing, downsizing, or relocating, ourknowledgeable team is dedicated to ensuring a smooth transition to yournew home. Why You Might Be Considering a Move People choose to move for many reasons, and whatever your motivation, we’re here to help you navigate the next steps: Need More Space […]
- [Buy To Let](https://evermoremb.co.uk/buy-to-let-old/): How Evermore Mortgage Buy-to-Let Landlords Welcome to Evermore Mortgage Brokers! If you’re considering stepping into the world of buy-to-let properties or expanding your existing portfolio, you’ve come to the right place. Navigating the buy-to-let mortgage landscape can be challenging, but our expert team is here to guide you through every step of the journey. Let’s explore how we can make the process smoother and more successful for you.  Understanding the Buy-to-Let Landscape As a buy-to-let landlord, you’re not just making a purchase; you’re making an investment. We recognise the importance of understanding the nuances of the property market, rental yields, and potential returns. Our approach […]
- [First Time Buyer](https://evermoremb.co.uk/first-time-buyer-old/): How Evermore Mortgage Brokers Can Help First-Time Buyers Congratulations! You’re embarking on an exciting journey towards homeownership as a first-time buyer. At Evermore Mortgage Brokers, we understand that this process can feel overwhelming, but it doesn’t have to be. Our mission is to guide you through every step of the mortgage journey, ensuring you feel confident and informed along the way. We’ve got a handy top 10 questions blog you may wish to read here. Understanding Your Needs Buying your first home is not just a financial decision; it’s an emotional milestone. We prioritise understanding your unique goals, preferences, and financial […]
- [About us](https://evermoremb.co.uk/about-us/): Meet Evermore Mortgage Brokers – Your Local Trusted Advisor’s About Evermore Mortgage Brokers: Your Trusted Partner in Mortgage & Protection Advice I’m Greg Robinson, the owner of Evermore Mortgage Brokers—your trusted, local mortgage brokerage in Thornbury, Bristol. My fiancée, Vicky, and I moved to Thornbury in 2018 with our twins, drawn by the charm of the area and its vibrant high street. Before entering the financial services industry, I spent 16 years in management, where I developed a deep understanding of exceptional customer service. In March 2023, after years of working at another brokerage, I founded Evermore with a vision—to […]
- [Calculator](https://evermoremb.co.uk/about-us-2-2/): What would my Mortgage cost a month? Stamp Duty Calculator Regulatory Warning This calculator provides estimates for informational purposes only. The results do not constitute financial advice and should not be relied upon for making financial decisions. Actual mortgage terms, payments, and eligibility may vary based on lender assessments, financial circumstances, and market conditions.Please consult a qualified financial advisor to discuss your specific situation before proceeding with any mortgage or financial commitments. Your property may be repossessed if you do not keep up repayments on a mortgage.
- [Complaints](https://evermoremb.co.uk/complaints/): Complaints We hope you never feel you have cause to complain, but if you do, we want to be honest with you and show you the process below.  Evermore Financial Services Limited is an appointed representative of Sesame Ltd which is authorised and regulated by the Financial Conduct Authority.  We are committed to providing a professional service to all our customers. If you are unhappy then we want to hear about it so we can try to put things right. With this in mind, we have the following complaints procedure in place. You can make a complaint by any reasonable […]
- [Privacy Notice](https://evermoremb.co.uk/privacy-notice/): Privacy Notice Evermore Financial Services Limited is an appointed representative of Sesame Ltd which is authorised and regulated by the Financial Conduct Authority ‘Our Network is authorised and regulated by the Financial Conduct Authority (FCA). Our Network isresponsible for the quality of the advice that we provide to you in relation to your mortgage and/orinsurance products, where those products are regulated by the FCA.In the course of doing so, our Network will also process Your Information generally, including YourSpecial Data and Criminal Disclosures. In the course of handling Your Information and Your Special Data/Criminal Disclosures our Network will: Record and […]
- [Contact](https://evermoremb.co.uk/contact-your-local-award-winning-mortgage-broker/): Get In Touch With Us Get In TouchWith Us Telephone: 01454 583 600 Mobile: 07877 270 706 Email: hello@evermoremb.co.uk Alternatively, use the contact form below Telephone 01454 583 600 Telephone 07877 270 706 Email hello@evermoremb.co.uk Alternatively, use the contact form below You can make a complaint to our network Sesame. Please contact them on the details below:  Write to: The Customer Relations Department, Sesame Limited, Fourth Floor, Jackson House, Sibson Road, Sale, M33 7RR.  Email: CustomerRelations@sbg.co.uk  Telephone: 0345 0456 800 (Mon-Fri 9.00 am to 5.00 pm)
- [Blog](https://evermoremb.co.uk/blog/)
- [Home](https://evermoremb.co.uk/): skip render: ucaddon_transparent_split_hero Evermore Mortgage Brokers Personalised Mortgage & Protection Advice At Evermore Mortgage Brokers, we understand that there is no magic or secret formula to finding the right mortgage.That’s why we offer a personalised service that works around you and your busy life. We work from a comprehensive panel of lenders across the market which means we have many more lenders to choose from to help find the right mortgage for you. Get in touch Customer Testimonials See what our customers have to say about us here: Mortgage Advisory Services For Bristol & South Gloucestershire Looking for Great Mortgage […]

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