John Everest | Everest Mortgages

What Is a Remortgage?

NewsOctober 6, 2025494Views 0Likes 0Comments

A remortgage replaces your current mortgage with a new one—either with your existing lender or a new one. Most people remortgage when a fixed deal ends to avoid the higher SVR. Reasons to remortgage Save money: avoid expensive reversion rates. Release equity for improvements, debt consolidation, or gifting. Reduce term to clear the…

What Is a Mortgage?

NewsOctober 1, 2025484Views 0Likes 0Comments

A mortgage is a long‑term loan secured against a property you’re buying. You provide a deposit; the lender covers the remainder. You repay monthly over a term, with interest. Mortgage basics (example) Price £250,000; deposit £25,000 (10%); mortgage £225,000. Payments include capital and interest. Main UK mortgage types • Repayment: pay capital + interest; mortgage…

What Is a Lifetime Mortgage?

NewsSeptember 29, 2025394Views 0Likes 0Comments

A lifetime mortgage is a form of equity release for homeowners (typically 55+) to access tax‑free cash while remaining in their home. You can take a lump sum, drawdown, or a mix, with interest usually rolling up. How it works Loan secured on your home. No mandatory monthly payments (voluntary payments possible). Interest…

How Much Mortgage Can I Get?

NewsSeptember 26, 2025949Views 0Likes 0Comments

If you're planning to buy a home, one of the most important questions you'll ask is: “How much mortgage can I get?” Whether you're a first-time buyer, moving home, or remortgaging, knowing your borrowing limit is essential for budgeting and making the right property decisions. In this post, we’ll explain how mortgage lenders calculate your…

Are Mortgage Rates Going Down in the UK?

NewsAugust 18, 20251KViews 0Likes 0Comments

What’s Happening With Mortgage Rates in 2025? After several years of rising interest rates, UK mortgage holders finally have some good news — rates are beginning to ease. The Bank of England cut its base rate earlier this year following signs that inflation is cooling. As a result, some lenders have already reduced their fixed…

How Much Can I Borrow on a Mortgage in the UK?

NewsAugust 11, 20251KViews 0Likes 0Comments

Understanding How Much You Can Borrow One of the first questions most homebuyers ask is: “How much can I borrow on a mortgage?” Whether you’re buying your first home, moving up the property ladder, or investing in a buy-to-let, knowing your maximum borrowing power is essential. Mortgage lenders in the UK calculate this using your…

The Ultimate 2026 Guide to Buy-to-Let Mortgages

NewsJanuary 30, 20241KViews 0Likes 0Comments

The UK property market in 2026 is a landscape of both challenge and immense opportunity. While the "easy money" era of the past has shifted into a more regulated environment, the demand for high-quality rental housing is at an all-time high. For investors, success now hinges on one factor: financing strategy. In this definitive guide,…

Mortgage Protection Insurance: A Comprehensive Guide to Securing Your Home

NewsJanuary 16, 2024921Views 0Likes 0Comments

Homeownership is a significant life accomplishment—the culmination of hard work, saving, and meticulous planning. Yet, as a homeowner, unforeseen circumstances such as illness, loss of income, or disability could jeopardise the security and stability you have strived for. What would happen if something unexpected disrupted your ability to make timely mortgage payments? Mortgage protection insurance…

Demystifying the Mortgage Lingo: Essential Mortgage Terminology Explained

NewsDecember 26, 2023894Views 0Likes 0Comments

The mortgage journey can be an exciting yet daunting prospect, particularly for first-time homebuyers. Navigating the world of mortgages often involves grappling with a complex array of jargon, terms, and practices that can leave even the most determined home seeker feeling overwhelmed. It's crucial to understand mortgage terminology, not only to make informed decisions but…

Unveil Your Ideal Mortgage: Navigating Home Loan Options

NewsDecember 19, 2023881Views 0Likes 0Comments

The path to homeownership often presents a wide variety of mortgage options to explore. Understanding the distinct features, benefits, and potential implications of these mortgage types is pivotal to making informed decisions that align with your personal financial circumstances and property goals. At Everest Mortgage Services, our dedicated professionals guide borrowers on this journey, offering…

Income Protection Insurance: Features, Benefits, and Everest Mortgage Services’ Expert Assistance

NewsDecember 4, 2023887Views 0Likes 0Comments

If you've ever worried about how you'd manage financially if you couldn't work due to illness or injury, income protection insurance is something you might want to consider. It's a kind of safety net that pays you a regular income if you can't work because of such circumstances. With that in mind, this guide will…

Embrace Financial Security: Family Income Benefit Insurance

NewsNovember 1, 2023872Views 0Likes 0Comments

Ensuring your family's financial security in the event of unforeseen circumstances is a critical responsibility for any parent or breadwinner. While the life insurance market offers a plethora of options aimed at protecting a family's financial future, family income benefit insurance stands out as a lesser-known yet cost-effective and tailor-made product that warrants closer examination.…