Get your best mortgage deal

80% buy to let mortgages

Everest Mortgage Services
Everest Mortgage Services
Google star 1Google star 2Google star 3Google star 4Google star 5
5.090 Google reviews
Posted on Google Google
Chloe Stringer profile picture
Chloe Stringer
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
⭐️⭐️⭐️⭐️⭐️ John was fantastic throughout the whole mortgage process. Professional, knowledgeable, and always happy to help. He made everything feel simple and stress-free. Would highly recommend John to anyone looking for a great mortgage broker!
Posted on Google Google
Jordan Nicholls profile picture
Jordan Nicholls
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Absolutely brilliant service from John from start to finish. As first-time buyers, the mortgage process could have been really stressful and confusing, but John made everything so straightforward and easy to understand. He was always available to answer any questions we had, explained everything clearly, and kept us updated throughout the whole process. John worked hard to find us the right mortgage and has been incredibly helpful, professional and supportive every step of the way. We genuinely couldn't have asked for a better mortgage advisor and would 100% recommend John to anyone looking for a mortgage. Thank you for all your help!
Posted on Google Google
Kath Tonkyn profile picture
Kath Tonkyn
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
We have known John since we bought our first rental in 2009 and he has guided and helped us all the way. He laid out a plan for us that this month will be fulfilled exactly as he said it would. He has never let us down and he is always there when we have needed him. Nothing is too much trouble. Great guy and a true proffessional. Thanks John for everything. You are truly the best.
Posted on Google Google
Louise Holmes profile picture
Louise Holmes
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
We have used Johns services a few times now, when remortgaging. John is extremely knowledgeable and always strives to find the best deal that works for you. His communication is excellent, he’s very friendly and explains thoroughly the best way for you to go forwards and we would highly recommend his services.
Posted on Google Google
Christina profile picture
Christina
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I honestly don’t know how I would have got through buying my first house without John. From the very beginning, he helped us work out what we could afford and get our Agreement in Principle sorted, but his help went way beyond just arranging the mortgage. While we were viewing houses, he was always happy to give his thoughts on whether an asking price seemed sensible and what we might want to offer. His experience and knowledge were incredibly valuable when we were trying to navigate something we knew very little about. Once we found our house, John made the whole process so much easier. He was incredibly quick to respond, explained everything clearly and was always happy to answer my many questions! What really impressed me was how much he handled himself. He dealt directly with the estate agent, solicitors and lender, meaning we weren’t constantly stuck in the middle passing messages around. If an issue came up, he’d often just sort it in the background and let us know there was an issue but it's resolved, rather than adding to our stress. John genuinely cares about his clients and it really shows. He’s friendly, incredibly knowledgeable and always made us feel like we were in safe hands. I couldn’t recommend him highly enough. Five stars doesn’t really do justice to how much he helped us!
Posted on Google Google
Kyle McClorey profile picture
Kyle McClorey
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
As a first-time buyer, I couldn’t have asked for a better mortgage broker than John. From our very first conversation, he was incredibly friendly and immediately put me at ease, making what initially felt like a daunting process feel straightforward and manageable. John’s communication was outstanding throughout. No question was ever too big or too small, and he always took the time to explain everything clearly and thoroughly. Thanks to his support, I was able to navigate the entire mortgage process with complete confidence. I never once felt stressed or under pressure, which made such a difference as a first-time buyer. His knowledge and expertise are second to none, and he was able to secure me a fantastic mortgage deal. I genuinely felt that he had my best interests at heart every step of the way. I can’t recommend John highly enough. If you’re looking for someone who is knowledgeable, approachable, and truly dedicated to helping their clients, he’s the person to go to. Thank you, John, for making such an important milestone such a positive experience!
Posted on Google Google
james foley profile picture
james foley
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
We’re do I start I’m so glad I got recommended to John. He made getting a mortgage feel so easy and effortless. Every question I had to ask John he was so quick to get back to you. He made you feel like he couldn’t do enough. I can not thank him for making it feel personal like he knew us and wanted the best outcome. He also is one of the nicest person I have ever met. If I was going to recommend anyone it would 100% be John.
Posted on Google Google
Victoria profile picture
Victoria
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I am so grateful to have found John! He is an incredible broker and a genuinely lovely person who goes above and beyond. He makes no question seem like a silly question and has made a stressful process as simple as it can be. I would highly recommend John to everyone and can't thank him enough for his help :)
Posted on Google Google
abanoub alfonse profile picture
abanoub alfonse
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
When I arrived in the UK, I had only been here for 3 months. I was on a spouse visa, had very little UK employment history, and other mortgage advisers told us that getting a mortgage would be extremely difficult or even impossible. From the first conversation, John gave us confidence. He explained exactly what we needed to do and told us that the most important thing was getting my first few payslips and building my employment record. He had a clear plan from the start. What I liked most was how honest and straightforward he was. He always answered our questions, kept us updated, and made the whole process easy to understand. Nothing ever felt too much trouble. John didn't just help us get a mortgage. He advised us on properties, helped us understand what was a good purchase, guided us on what offer to make, and even helped us find solicitors. It felt like he genuinely cared about helping us buy the right home, not just getting the mortgage approved. In less than 4 months, John achieved what two other mortgage advisers told us was impossible. We now have a mortgage offer and are buying our first home together. The whole experience was smooth, professional and surprisingly stress-free. John was always there when we needed advice and support. If you are a first-time buyer, new to the UK, or have a complicated situation, I highly recommend speaking to John before anyone else. Thank you, John. You have helped us achieve something we never thought would be possible, and we will always be grateful.
Posted on Google Google
valeria rafla profile picture
valeria rafla
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Outstanding Mortgage Broker – Truly Exceptional Service My husband and I cannot recommend John Everest at Everest Mortgage Services highly enough. As first-time buyers, we were told by two other mortgage advisers that getting a mortgage would be virtually impossible due to our circumstances. My husband, Aba, had only been in the UK for five months on a spouse visa, had a very limited UK credit history, and was still building his employment record. We were repeatedly told that lenders would not consider our application. From our very first conversation, John was different. Rather than focusing on the obstacles, he focused on finding solutions. He took the time to understand our situation, explain every stage of the process, and gave us honest, realistic advice from day one. What seemed impossible suddenly felt achievable. In less than four months, John successfully secured our mortgage offer. Throughout the entire journey, he was professional, knowledgeable, responsive, and incredibly reassuring. Every question was answered promptly, every concern was dealt with calmly, and we always felt that he genuinely cared about helping us achieve our goal. What impressed us most was that John didn't just act as a mortgage broker. He became a trusted adviser and mentor throughout the whole process. He guided us on property choices, helped us understand market values, advised on offer strategies, and ensured we didn't make costly mistakes as first-time buyers. His experience and insight were invaluable. Buying a home is often described as one of the most stressful experiences in life, but John made it the complete opposite. It was the most smooth, stress-free, and well-managed process we could have hoped for. We always felt supported, informed, and confident in the decisions we were making. Thanks to John's hard work, dedication, and expertise, my husband and I are now able to purchase our first home together. We genuinely believe this would not have happened without him. If you are a first-time buyer, have a complex case, are a foreign national, or have been told "no" elsewhere, speak to John before giving up. His knowledge, persistence, and commitment to his clients are second to none. Thank you, John. You have helped us achieve a dream we thought was out of reach, and we will always be grateful. 🏡⭐️⭐️⭐️⭐️⭐️ Valeria
80-buy-to-let-mortgages
mortgage

80% buy to let mortgages

People become landlords for a lot of reasons; to build wealth for the future, to generate a stream of rental income, as an investment or because they have a genuine interest in the property market. Whether you’re delving into being a landlord for the very first time, or you’re a long-term property investor, there’s nothing quite like the joy of finding the ideal property. But, how are you planning to fund your venture? With rising property prices and changing rental markets, many buyers simply don’t have the cash to cover large deposits, and that’s where 80% buy-to-let mortgages come in.

At Everest Mortgages, we help new and experienced landlords to secure 80% buy-to-let mortgage deals, giving you the flexibility to grow your rental portfolio without needing to save a huge deposit first.

We search 1000's of mortgage deals across a large number of lenders, including...

What is an 80% buy-to-let mortgage?

There are a lot of mortgages out there, ranging from fixed term mortgages with impressive rates, to variable rate mortgages with a lot of room for flexibility. But, if you want to buy a property and rent it out to tenants, you’ll need a buy-to-let mortgage. These come in all different shapes and sizes, but 80% buy-to-let mortgages are some of the most popular. 

80% buy-to-let mortgages allow you to borrow up to 80% of the property’s value, meaning you will only need a 20% deposit. This makes it a lot easier for you to purchase a property and rent it out, without having to put yourself under a lot of stress saving a hefty deposit. 

80% buy-to-let mortgages work in a similar way to other buy-to-let mortgages; the only difference is the loan-to-value (LTV) ratio. They strike the perfect balance between accessibility – as you’ll only need to save a deposit of 20% beforehand – and risk management for lenders.

Who are 80% buy-to-let mortgages best for?

First time landlords

If you’re starting your property investment journey and haven’t managed to build up a large savings pot for a deposit, 80% buy-to-let mortgages make entering the market more achievable.

Investors expanding their portfolio

If you’ve already got properties to your name, an 80% buy-to-let mortgage can help you to spread capital across multiple investments and diversify in the property market, rather than tying up all of your cash in a single deposit.

Landlords wanting a safety net

When you keep your deposit lower, you’re able to reserve funds for renovations, unexpected costs or further investments, giving you a financial safety net.

Buyers with strong rental prospects

Lenders are more comfortable offering 80% buy-to-let mortgages where rental income is expected to be strong and consistent.

Caculate 80% buy-to-let mortgage affordability 

Affordability has a huge impact on whether or not you’re approved for any mortgage, including buy-to-let mortgages, but things work a little bit differently. When you’re buying a residential property, affordability is calculated based on your personal income. But, when you’re buying a property to rent out, projected rental income is taken into account.

For an 80% LTV buy-to-let mortgage, lenders tend to apply slightly stricter criteria, which can include rental income needing to cover a considerable amount of the mortgage, higher minimum income requirements and higher credit scores. Your personal income will also be looked at, but it’s the rental yield that lenders usually put the most weight on.

Speak to a mortgage advisor

The benefits of 80% buy-to-let mortgages

Though there’s a huge range of mortgages out there, 80% buy-to-let mortgages offer a unique set of benefits, including:

 

Lower deposit requirement

You only need a deposit equal to 20% of the property’s value, which is a lot lower than what many other mortgages require. This makes buying a property more accessible for new landlords, and keeps more cash available for repairs, furnishings or further purchases.

Increased portfolio growth potential

Choosing an 80% buy-to-let mortgage can help you to scale your portfolio faster. If you have a fair amount of savings, you can make the most of the lower deposit, and use the rest to invest elsewhere.

 

Balance between risk and reward

Though 90% mortgages and 100% mortgages do exist, they’re harder to secure if you’re taking the buy-to-let route, and they often come with much higher interest rates. 80% LTV balances lender risk  with landlord reward.


Offered by many lenders

Many lenders are comfortable with 80% LTV mortgages, giving you a wide selection of products and rates to choose from, making it easier to find the right deal for you. This is something Everest Mortgages can help you with.

Read our reviews

Everest Mortgage Services
Everest Mortgage Services
Google star 1Google star 2Google star 3Google star 4Google star 5
5.090 Google reviews
Posted on Google Google
Chloe Stringer profile picture
Chloe Stringer
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
⭐️⭐️⭐️⭐️⭐️ John was fantastic throughout the whole mortgage process. Professional, knowledgeable, and always happy to help. He made everything feel simple and stress-free. Would highly recommend John to anyone looking for a great mortgage broker!
Posted on Google Google
Jordan Nicholls profile picture
Jordan Nicholls
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Absolutely brilliant service from John from start to finish. As first-time buyers, the mortgage process could have been really stressful and confusing, but John made everything so straightforward and easy to understand. He was always available to answer any questions we had, explained everything clearly, and kept us updated throughout the whole process. John worked hard to find us the right mortgage and has been incredibly helpful, professional and supportive every step of the way. We genuinely couldn't have asked for a better mortgage advisor and would 100% recommend John to anyone looking for a mortgage. Thank you for all your help!
Posted on Google Google
Kath Tonkyn profile picture
Kath Tonkyn
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
We have known John since we bought our first rental in 2009 and he has guided and helped us all the way. He laid out a plan for us that this month will be fulfilled exactly as he said it would. He has never let us down and he is always there when we have needed him. Nothing is too much trouble. Great guy and a true proffessional. Thanks John for everything. You are truly the best.
Posted on Google Google
Louise Holmes profile picture
Louise Holmes
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
We have used Johns services a few times now, when remortgaging. John is extremely knowledgeable and always strives to find the best deal that works for you. His communication is excellent, he’s very friendly and explains thoroughly the best way for you to go forwards and we would highly recommend his services.
Posted on Google Google
Christina profile picture
Christina
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I honestly don’t know how I would have got through buying my first house without John. From the very beginning, he helped us work out what we could afford and get our Agreement in Principle sorted, but his help went way beyond just arranging the mortgage. While we were viewing houses, he was always happy to give his thoughts on whether an asking price seemed sensible and what we might want to offer. His experience and knowledge were incredibly valuable when we were trying to navigate something we knew very little about. Once we found our house, John made the whole process so much easier. He was incredibly quick to respond, explained everything clearly and was always happy to answer my many questions! What really impressed me was how much he handled himself. He dealt directly with the estate agent, solicitors and lender, meaning we weren’t constantly stuck in the middle passing messages around. If an issue came up, he’d often just sort it in the background and let us know there was an issue but it's resolved, rather than adding to our stress. John genuinely cares about his clients and it really shows. He’s friendly, incredibly knowledgeable and always made us feel like we were in safe hands. I couldn’t recommend him highly enough. Five stars doesn’t really do justice to how much he helped us!
Posted on Google Google
Kyle McClorey profile picture
Kyle McClorey
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
As a first-time buyer, I couldn’t have asked for a better mortgage broker than John. From our very first conversation, he was incredibly friendly and immediately put me at ease, making what initially felt like a daunting process feel straightforward and manageable. John’s communication was outstanding throughout. No question was ever too big or too small, and he always took the time to explain everything clearly and thoroughly. Thanks to his support, I was able to navigate the entire mortgage process with complete confidence. I never once felt stressed or under pressure, which made such a difference as a first-time buyer. His knowledge and expertise are second to none, and he was able to secure me a fantastic mortgage deal. I genuinely felt that he had my best interests at heart every step of the way. I can’t recommend John highly enough. If you’re looking for someone who is knowledgeable, approachable, and truly dedicated to helping their clients, he’s the person to go to. Thank you, John, for making such an important milestone such a positive experience!
Posted on Google Google
james foley profile picture
james foley
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
We’re do I start I’m so glad I got recommended to John. He made getting a mortgage feel so easy and effortless. Every question I had to ask John he was so quick to get back to you. He made you feel like he couldn’t do enough. I can not thank him for making it feel personal like he knew us and wanted the best outcome. He also is one of the nicest person I have ever met. If I was going to recommend anyone it would 100% be John.
Posted on Google Google
Victoria profile picture
Victoria
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I am so grateful to have found John! He is an incredible broker and a genuinely lovely person who goes above and beyond. He makes no question seem like a silly question and has made a stressful process as simple as it can be. I would highly recommend John to everyone and can't thank him enough for his help :)
Posted on Google Google
abanoub alfonse profile picture
abanoub alfonse
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
When I arrived in the UK, I had only been here for 3 months. I was on a spouse visa, had very little UK employment history, and other mortgage advisers told us that getting a mortgage would be extremely difficult or even impossible. From the first conversation, John gave us confidence. He explained exactly what we needed to do and told us that the most important thing was getting my first few payslips and building my employment record. He had a clear plan from the start. What I liked most was how honest and straightforward he was. He always answered our questions, kept us updated, and made the whole process easy to understand. Nothing ever felt too much trouble. John didn't just help us get a mortgage. He advised us on properties, helped us understand what was a good purchase, guided us on what offer to make, and even helped us find solicitors. It felt like he genuinely cared about helping us buy the right home, not just getting the mortgage approved. In less than 4 months, John achieved what two other mortgage advisers told us was impossible. We now have a mortgage offer and are buying our first home together. The whole experience was smooth, professional and surprisingly stress-free. John was always there when we needed advice and support. If you are a first-time buyer, new to the UK, or have a complicated situation, I highly recommend speaking to John before anyone else. Thank you, John. You have helped us achieve something we never thought would be possible, and we will always be grateful.
Posted on Google Google
valeria rafla profile picture
valeria rafla
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Outstanding Mortgage Broker – Truly Exceptional Service My husband and I cannot recommend John Everest at Everest Mortgage Services highly enough. As first-time buyers, we were told by two other mortgage advisers that getting a mortgage would be virtually impossible due to our circumstances. My husband, Aba, had only been in the UK for five months on a spouse visa, had a very limited UK credit history, and was still building his employment record. We were repeatedly told that lenders would not consider our application. From our very first conversation, John was different. Rather than focusing on the obstacles, he focused on finding solutions. He took the time to understand our situation, explain every stage of the process, and gave us honest, realistic advice from day one. What seemed impossible suddenly felt achievable. In less than four months, John successfully secured our mortgage offer. Throughout the entire journey, he was professional, knowledgeable, responsive, and incredibly reassuring. Every question was answered promptly, every concern was dealt with calmly, and we always felt that he genuinely cared about helping us achieve our goal. What impressed us most was that John didn't just act as a mortgage broker. He became a trusted adviser and mentor throughout the whole process. He guided us on property choices, helped us understand market values, advised on offer strategies, and ensured we didn't make costly mistakes as first-time buyers. His experience and insight were invaluable. Buying a home is often described as one of the most stressful experiences in life, but John made it the complete opposite. It was the most smooth, stress-free, and well-managed process we could have hoped for. We always felt supported, informed, and confident in the decisions we were making. Thanks to John's hard work, dedication, and expertise, my husband and I are now able to purchase our first home together. We genuinely believe this would not have happened without him. If you are a first-time buyer, have a complex case, are a foreign national, or have been told "no" elsewhere, speak to John before giving up. His knowledge, persistence, and commitment to his clients are second to none. Thank you, John. You have helped us achieve a dream we thought was out of reach, and we will always be grateful. 🏡⭐️⭐️⭐️⭐️⭐️ Valeria

Are there downsides to 80% buy-to-let mortgages?

As is the case with any mortgage, there are a few things to consider before you settle on an 80% buy-to-let mortgage.

Higher rates compared to lower LTVs

If you had a larger deposit, and therefore borrow less money, you would enjoy better mortgage rates.

Rental stress tests can be strict

As lenders are taking on more risk by lending you 80% of the property’s value, they may require stronger projected rental yield.

Not all lenders offer 80% LTV

Not all lenders offer 80% LTV mortgages, which might mean you need to shop around. Luckily, Everest Mortgages is on hand to help.

Higher landlord risk

With a higher mortgage balance, rental voids or unexpected costs can have more impact on how successful you are as a landlord.

FAQs

Frequently asked questions

Yes, but it depends on a lot of other factors, such as the severity and age of your credit issues. Some specialist lenders still consider 80% LTV if you have bad credit, though rates may be higher and you might be judged against stricter criteria.

Yes, many lenders accept first time buyers for 80% buy-to-let mortgages. However, as you’re diving into being a landlord for the first time, they may require a minimum personal income or stronger rental potential.

Yes, usually. This differs between lenders, which is why it’s important to work with a mortgage broker. At Everest Mortgages, we know what lenders are looking for.

Most standard residential rental properties qualify for 80% buy-to-let mortgages, including houses, flats, new builds and ex-local authority properties, depending on the lender.

Read our reviews

Everest Mortgage Services
Everest Mortgage Services
Google star 1Google star 2Google star 3Google star 4Google star 5
5.090 Google reviews
Posted on Google Google
Chloe Stringer profile picture
Chloe Stringer
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
⭐️⭐️⭐️⭐️⭐️ John was fantastic throughout the whole mortgage process. Professional, knowledgeable, and always happy to help. He made everything feel simple and stress-free. Would highly recommend John to anyone looking for a great mortgage broker!
Posted on Google Google
Jordan Nicholls profile picture
Jordan Nicholls
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Absolutely brilliant service from John from start to finish. As first-time buyers, the mortgage process could have been really stressful and confusing, but John made everything so straightforward and easy to understand. He was always available to answer any questions we had, explained everything clearly, and kept us updated throughout the whole process. John worked hard to find us the right mortgage and has been incredibly helpful, professional and supportive every step of the way. We genuinely couldn't have asked for a better mortgage advisor and would 100% recommend John to anyone looking for a mortgage. Thank you for all your help!
Posted on Google Google
Kath Tonkyn profile picture
Kath Tonkyn
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
We have known John since we bought our first rental in 2009 and he has guided and helped us all the way. He laid out a plan for us that this month will be fulfilled exactly as he said it would. He has never let us down and he is always there when we have needed him. Nothing is too much trouble. Great guy and a true proffessional. Thanks John for everything. You are truly the best.
Posted on Google Google
Louise Holmes profile picture
Louise Holmes
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
We have used Johns services a few times now, when remortgaging. John is extremely knowledgeable and always strives to find the best deal that works for you. His communication is excellent, he’s very friendly and explains thoroughly the best way for you to go forwards and we would highly recommend his services.
Posted on Google Google
Christina profile picture
Christina
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I honestly don’t know how I would have got through buying my first house without John. From the very beginning, he helped us work out what we could afford and get our Agreement in Principle sorted, but his help went way beyond just arranging the mortgage. While we were viewing houses, he was always happy to give his thoughts on whether an asking price seemed sensible and what we might want to offer. His experience and knowledge were incredibly valuable when we were trying to navigate something we knew very little about. Once we found our house, John made the whole process so much easier. He was incredibly quick to respond, explained everything clearly and was always happy to answer my many questions! What really impressed me was how much he handled himself. He dealt directly with the estate agent, solicitors and lender, meaning we weren’t constantly stuck in the middle passing messages around. If an issue came up, he’d often just sort it in the background and let us know there was an issue but it's resolved, rather than adding to our stress. John genuinely cares about his clients and it really shows. He’s friendly, incredibly knowledgeable and always made us feel like we were in safe hands. I couldn’t recommend him highly enough. Five stars doesn’t really do justice to how much he helped us!
Posted on Google Google
Kyle McClorey profile picture
Kyle McClorey
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
As a first-time buyer, I couldn’t have asked for a better mortgage broker than John. From our very first conversation, he was incredibly friendly and immediately put me at ease, making what initially felt like a daunting process feel straightforward and manageable. John’s communication was outstanding throughout. No question was ever too big or too small, and he always took the time to explain everything clearly and thoroughly. Thanks to his support, I was able to navigate the entire mortgage process with complete confidence. I never once felt stressed or under pressure, which made such a difference as a first-time buyer. His knowledge and expertise are second to none, and he was able to secure me a fantastic mortgage deal. I genuinely felt that he had my best interests at heart every step of the way. I can’t recommend John highly enough. If you’re looking for someone who is knowledgeable, approachable, and truly dedicated to helping their clients, he’s the person to go to. Thank you, John, for making such an important milestone such a positive experience!
Posted on Google Google
james foley profile picture
james foley
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
We’re do I start I’m so glad I got recommended to John. He made getting a mortgage feel so easy and effortless. Every question I had to ask John he was so quick to get back to you. He made you feel like he couldn’t do enough. I can not thank him for making it feel personal like he knew us and wanted the best outcome. He also is one of the nicest person I have ever met. If I was going to recommend anyone it would 100% be John.
Posted on Google Google
Victoria profile picture
Victoria
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I am so grateful to have found John! He is an incredible broker and a genuinely lovely person who goes above and beyond. He makes no question seem like a silly question and has made a stressful process as simple as it can be. I would highly recommend John to everyone and can't thank him enough for his help :)
Posted on Google Google
abanoub alfonse profile picture
abanoub alfonse
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
When I arrived in the UK, I had only been here for 3 months. I was on a spouse visa, had very little UK employment history, and other mortgage advisers told us that getting a mortgage would be extremely difficult or even impossible. From the first conversation, John gave us confidence. He explained exactly what we needed to do and told us that the most important thing was getting my first few payslips and building my employment record. He had a clear plan from the start. What I liked most was how honest and straightforward he was. He always answered our questions, kept us updated, and made the whole process easy to understand. Nothing ever felt too much trouble. John didn't just help us get a mortgage. He advised us on properties, helped us understand what was a good purchase, guided us on what offer to make, and even helped us find solicitors. It felt like he genuinely cared about helping us buy the right home, not just getting the mortgage approved. In less than 4 months, John achieved what two other mortgage advisers told us was impossible. We now have a mortgage offer and are buying our first home together. The whole experience was smooth, professional and surprisingly stress-free. John was always there when we needed advice and support. If you are a first-time buyer, new to the UK, or have a complicated situation, I highly recommend speaking to John before anyone else. Thank you, John. You have helped us achieve something we never thought would be possible, and we will always be grateful.
Posted on Google Google
valeria rafla profile picture
valeria rafla
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Outstanding Mortgage Broker – Truly Exceptional Service My husband and I cannot recommend John Everest at Everest Mortgage Services highly enough. As first-time buyers, we were told by two other mortgage advisers that getting a mortgage would be virtually impossible due to our circumstances. My husband, Aba, had only been in the UK for five months on a spouse visa, had a very limited UK credit history, and was still building his employment record. We were repeatedly told that lenders would not consider our application. From our very first conversation, John was different. Rather than focusing on the obstacles, he focused on finding solutions. He took the time to understand our situation, explain every stage of the process, and gave us honest, realistic advice from day one. What seemed impossible suddenly felt achievable. In less than four months, John successfully secured our mortgage offer. Throughout the entire journey, he was professional, knowledgeable, responsive, and incredibly reassuring. Every question was answered promptly, every concern was dealt with calmly, and we always felt that he genuinely cared about helping us achieve our goal. What impressed us most was that John didn't just act as a mortgage broker. He became a trusted adviser and mentor throughout the whole process. He guided us on property choices, helped us understand market values, advised on offer strategies, and ensured we didn't make costly mistakes as first-time buyers. His experience and insight were invaluable. Buying a home is often described as one of the most stressful experiences in life, but John made it the complete opposite. It was the most smooth, stress-free, and well-managed process we could have hoped for. We always felt supported, informed, and confident in the decisions we were making. Thanks to John's hard work, dedication, and expertise, my husband and I are now able to purchase our first home together. We genuinely believe this would not have happened without him. If you are a first-time buyer, have a complex case, are a foreign national, or have been told "no" elsewhere, speak to John before giving up. His knowledge, persistence, and commitment to his clients are second to none. Thank you, John. You have helped us achieve a dream we thought was out of reach, and we will always be grateful. 🏡⭐️⭐️⭐️⭐️⭐️ Valeria

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Years experience
8080
Mortgages arranged
80808080+