HMO mortgages

    
   90 reviews  
 
  
         
   Everest Mortgage Services
   5.090 Google reviews 
 
 
 
        Posted on Google  
   
   Chloe Stringer 
 
 
 
 Trustindex 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  
   
   Jordan Nicholls 
 
 
 
 Trustindex 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  
   
   Kath Tonkyn 
 
 
 
 Trustindex 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  
   
   Louise Holmes 
 
 
 
 Trustindex 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  
   
   Christina 
 
 
 
 Trustindex 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  
   
   Kyle McClorey 
 
 
 
 Trustindex 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  
   
   james foley 
 
 
 
 Trustindex 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  
   
   Victoria 
 
 
 
 Trustindex 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  
   
   abanoub alfonse 
 
 
 
 Trustindex 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  
   
   valeria rafla 
 
 
 
 Trustindex 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

HMO mortgages

HMOs – which stands for Houses in Multiple Occupation – have become a key part of the rental market, bringing people from different households together under one roof. For many landlords, owning an HMO means being able to generate high rental yields, compared to a standard buy-to-let home, as income is collected from multiple tenants, rather than one household. It’s easy to see why HMOs are popular. However, they do tend to be slightly more complex to buy and manage. As HMOs are regulated and managed differently – after all, they’re not a standard house that’s being rented by a couple, family or handful of friends – they require a specialist type of mortgage. If you want to buy and let an HMO, you’ll need an HMO mortgage.

At Everest Mortgages, we specialise in helping landlords and properties investors to find the right HMO mortgage. Whether you’re branching out from single let properties, or adding another HMO to an established portfolio, our expert mortgage brokers are on hand to help.

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

What is a buy-to-let HMO mortgage?

If you want to buy an HMO and rent it out to generate an income, you’ll need an HMO mortgage. This is a type of buy-to-let mortgage that’s designed with HMOs in mind. HMO mortgages work similarly to standard buy-to-let loans, but they usually have stricter affordability criteria and lenders place a lot of emphasis on projected rental income and landlord experience. There are also rules surrounding the type of property you can buy with an HMO mortgage, relating to layout, room sizes and the planned number of occupants.

The ins and outs of HMO mortgages

HMO mortgages work in a similar way to other buy-to-let mortgages, until it comes down to the eligibility assessment. Lenders need to be sure that the property is suitable to be used as a HMO, and compliant with the various rules and regulations in place. This means they don’t jump into saying yes immediately; they want to make sure you can manage the financial and administrative demands of being an HMO landlord.

HMO lenders typically assess:

Expected rental income – This must usually cover between 125% and 145% of the mortgage payments, sometimes higher, depending on your finances, experience and chosen mortgage lender.
Your landlord experience – Before approving you for an HMO mortgage, many lenders require you to have a few years of buy-to-let experience under your belt. There are some that accept first timers with a strong application and large deposit, and Everest Mortgages can point you in the right direction.
The property layout and size – Not all properties can be used as an HMO, so lenders will look at the layout and size. This includes the number of rooms, kitchens and bathrooms, assessing how many people can comfortably live in the space.
The property location – HMOs are usually found in areas with strong rental demand, such as cities, student areas and commuter zones. Buying in the right areas shows lenders that you’re unlikely to have a problem filing the rooms.

Speak to a mortgage advisor

Who are HMO mortgages best for?

Experienced landlords looking to boost rental income

If you’re an experienced landlord, buying an HMO can increase your rental income, compared to standard buy-to-let properties.

Investors in student or professional housing markets

City centres, university towns and commuter hubs are prime locations for HMOs, making HMO mortgages a good option if you’re investing in those areas.

Portfolio landlords scaling up and diversifying

Many landlords use HMOs to boost cash flow by building a wider, more diverse landlord portfolio, spreading their investments.

New investors entering the property market

Some lenders will accept first time landlords for an HMO mortgage, usually if the property is professionally managed and affordability is strong.

Read our reviews

    
   90 reviews  
 
  
         
   Everest Mortgage Services
   5.090 Google reviews 
 
 
 
        Posted on Google  
   
   Chloe Stringer 
 
 
 
 Trustindex 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  
   
   Jordan Nicholls 
 
 
 
 Trustindex 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  
   
   Kath Tonkyn 
 
 
 
 Trustindex 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  
   
   Louise Holmes 
 
 
 
 Trustindex 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  
   
   Christina 
 
 
 
 Trustindex 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  
   
   Kyle McClorey 
 
 
 
 Trustindex 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  
   
   james foley 
 
 
 
 Trustindex 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  
   
   Victoria 
 
 
 
 Trustindex 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  
   
   abanoub alfonse 
 
 
 
 Trustindex 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  
   
   valeria rafla 
 
 
 
 Trustindex 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

The benefits of investing in an HMO

When you consider the benefits of investing in an HMO, it’s easy to see why it’s a route many landlords take.

Higher rental yields – With an HMO, you have a stream of income from multiple tenancy agreements, rather than one household.
Lower risk of full rental voids – With multiple people renting rooms as individuals, your income continues even if one room is empty.
Strong demand – HMOs are especially popular among students and young professionals, which means demand is strong in many areas.
Diversification – As is the case with any investment, there’s no guarantee of success, but investing in an HMO helps to diversify your property strategy.

The challenges of HMO mortgages

Alongside the benefits, there are a handful of challenges to think about. For example, HMO mortgages often have more regulation and compliance, and stricter lending criteria. You’re also likely to face higher upfront costs, including possible refurbishment to meet strict HMO standards. This is why working with a specialist mortgage broker, like Everest Mortgages, makes such a big difference.

Simplify the HMO mortgage process

Securing an HMO mortgage alone can be stressful, slow and often unsuccessful, especially if you’re not familiar with lender criteria. At Everest Mortgages, we simplify everything. By giving you access to lenders who specialise in HMO mortgages, we’re able to secure the best rates based on your landlord experience and investment goals. We match your investment strategy to the right lender, giving your application the strongest chance of approval.

FAQs

Frequently asked questions

Can I get an HMO mortgage as a first time landlord?

Yes, sometimes, but fewer lenders accept first time landlords. You might need a larger deposit and a professional management plan to prove your capabilities.

How many tenants can live in an HMO?

This depends on local authority rules, room sizes and the property layout, and it can differ hugely. Some lenders also place caps on the number of rooms, so be sure to check.

Do you need an HMO licence?

Not always, but very often. Usually, you will need to have an HMO licence for a large HMO, defined as having 5 or more tenants, from more than one household and sharing facilities. Local councils can also require licences for smaller HMOs, depending on the area.

Read our reviews

    
   90 reviews  
 
  
         
   Everest Mortgage Services
   5.090 Google reviews 
 
 
 
        Posted on Google  
   
   Chloe Stringer 
 
 
 
 Trustindex 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  
   
   Jordan Nicholls 
 
 
 
 Trustindex 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  
   
   Kath Tonkyn 
 
 
 
 Trustindex 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  
   
   Louise Holmes 
 
 
 
 Trustindex 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  
   
   Christina 
 
 
 
 Trustindex 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  
   
   Kyle McClorey 
 
 
 
 Trustindex 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  
   
   james foley 
 
 
 
 Trustindex 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  
   
   Victoria 
 
 
 
 Trustindex 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  
   
   abanoub alfonse 
 
 
 
 Trustindex 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  
   
   valeria rafla 
 
 
 
 Trustindex 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

Book a free consultation with a mortgage expert

Years experience

8080

Mortgages arranged

80808080+