Get your best mortgage deal

Limited company 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
limited-company-buy-to-let-mortgages
mortgage

Limited company buy to let mortgages

There are a lot of ways to approach property investment but, for many keen investors, owning buy-to-let properties through a limited company is the most tax-efficient, safe and streamlined way of doing things. For property investors looking to maximise tax efficiency, protect personal assets and manage multiple investment properties, buying buy-to-let properties through a limited company – which, in this scenario, is called a Special Purpose Vehicle (SPV) – can be a worthwhile consideration. 

If you want to do this, you’ll need a limited company (SPV) buy-to-let mortgage, which we can help you with. At Everest Mortgages, we specialise in helping investors to finance properties through SPV mortgages, making the process clear and straightforward, from beginning to end.

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

What is a Special Purpose Vehicle (SPV)?

A Special Purpose Vehicle (SPV) is a limited company set up specifically to own and manage investment or buy-to-let properties. Rather than buying property as an individual and owning it personally, you can create an SPV, which is a separate legal entity. There’s a number of benefits of doing this, such as:

  • Tax efficiency – When you buy property through an SPV, profits are subject to corporation tax, rather than higher personal income tax rates. This means you pay a lower rate of tax, saving money.

  • Limited liability – The limited company or SPV structure protects your personal assets, such as savings and property, from business debts by giving you limited liability.

  • Portfolio management – Owning multiple properties through an SPV allows for streamlined accounting and financing, which makes it easier to manage your property portfolio. 

As an investor, you can use an SPV to own single properties or to manage an entire property portfolio, depending on your investment goals. The first step in this process is securing a limited company buy-to-let mortgage, otherwise known as an SPV buy-to-let mortgage.

What is a limited company (SPV) buy-to-let mortgage?

In order to buy a property through an SPV, you need a limited company buy-to-let mortgage. 

Designed specifically for properties owned by a company rather than an individual, these mortgages are structured in a similar way to standard buy-to-let mortgages, but with a few key differences:

  • The borrower is the limited company, not you as an individual. 
  • Lenders assess the limited company’s accounts, rental coverage ratios and director experience, rather than your personal income.
  • Deposit requirements are usually higher, compared to other buy-to-let mortgages.
  • Interest rates can differ from standard buy-to-let mortgages, which is why it’s important to shop around. This is something Everest Mortgages can help you with.

Who are SPV buy-to-let mortgages for?

  • Experienced investors expanding or managing multiple properties.
  • Buy-to-let landlords who want to separate their personal finances from their property business.
  • Investors looking for tax efficiency and limited liability.
  • First time corporate landlords who are planning to hold long-term investment properties.

SPV and limited company buy-to-let mortgage considerations

Though there are a number of benefits that come with buying a property via a limited company buy-to-let mortgage, there are a few drawbacks. For example, not all high street lenders provide SPV mortgages, which can leave you with only a handful of lenders to choose from. Plus, operating a limited company requires annual reporting and accounts filing with HMRC and Companies House, which puts more responsibilities on your plate. You might also find that mortgage terms are stricter than personal buy-to-let loans. Of course, with Everest Mortgages helping, these hurdles are easy to overcome.

Speak to a mortgage advisor

How to get an SPV buy-to-let mortgage

Set up your SPV

Unsurprisingly, before you can get an SPV mortgage or limited company buy-to-let mortgage, you need to set up your SPV. This involves registering your limited company with Companies House and ensuring the SPV is set up purely for property investment. This can be done yourself, but working with an accountant or solicitor can simplify things.

 

Speak to a specialist mortgage broker

SPV mortgages are offered by a smaller selection of lenders, so you’ll have fewer options compared to standard buy-to-let loans. This is why it’s a good idea to work with a mortgage broker that understands SPVs, like Everest Mortgages. We can identify lenders, guide you through the process, and help you to secure the best deal.

 

Prepare your SPV mortgage application

SPV mortgage applications require additional documentation, and the process can be daunting compared to standard buy-to-let mortgages. Lenders will want to look at company accounts, your experience in property investment, deposits and funding sources, and the projected rental income, ensuring it can cover the mortgage payments.

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

Limited company (SPV) buy-to-let mortgage eligibility 

There’s a lot that goes into a lender’s decision to approve you for a limited company (SPV) buy-to-let mortgage, and you have to tick a fair few boxes to be eligible.

  • SPV status – Lenders want to see that you have a properly registered limited company with an appropriate SIC code.

  • Deposit – You will usually need a deposit of between 25% and 30% of the property value, though this does vary from one lender to the next.

  • Portfolio size – Some lenders only offer SPV mortgages to investors with a property portfolio, meaning you need mortgages for multiple properties.

  • Directors – Some lenders will only accept SPVs with a maximum of four directors, and they prefer directors to have experience in property investment.

  • Rental coverage – It’s important that the mortgage payments are easily covered by the projected rental income.

  • Accountant involvement – It’s not uncommon for lenders to require the professional preparation of limited company accounts before approving you.

If you’re a serious property investor, limited company (SPV) buy-to-let mortgages could be exactly what you need to drive your business forward. At Everest Mortgages, we can guide you through the process, securing the best possible SPV mortgage deal for your investment property portfolio.

FAQs

Frequently asked questions

Yes, many lenders accept first time landlords and investors, though having some property investment experience can improve your chances of being approved.

Yes, once you’ve set up an SPV, you can hold multiple properties within that company. SPV mortgages allow multiple properties to be financed under a single company, with the finer details depending on the lender.

This can vary, as no two applications are the same. Having your SPV set up correctly, company accounts prepared and all rental projections ready can speed up the process, as can working with a mortgage broker.

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+