HONEST, STRAIGHTFORWARD ADVICE YOU CAN TRUST
Evolution Private Finance exists to provide honest, straightforward and impartial advice to those seeking to secure property finance. We offer tailor-made solutions and see every client as an individual.
Are you a first-time buyer, or a client looking to remortgage an existing property? Maybe you have an extensive property portfolio you wish to refinance, or perhaps you are somewhere unique? We can help you.
Our role is to keep everything as simple as possible, and we will support you throughout the entire process. Because we are mortgage experts, you don’t need to be.
With over 25 years of experience in property finance and financial services, we will give you access to an extensive range of high street lenders, major financial institutions, as well as lenders who will only deal with mortgage brokers and even private banks.
We provide a holistic service to ensure you are protected financially against the threats that affect both you and your business. We care about you and your future. We are not a transactional service, we strive to excel, so you become our client for life.
Based in Greater London, we are happy to work with our clients face to face or via video-conferencing at a time to suit them.
We never charge an advice fee, and all meetings held are free of charge.
Mortgages
Whether you are looking for a residential mortgage, a buy to let mortgage or something a little more complex, we can guide you through the mortgage process.
Many people have been deterred from buying and remortgaging property, because they have approached a lender directly, and been declined. Understandably, people often think this means they can’t get a mortgage. However, it is often the case that they approached the wrong lender for their specific needs.
With access to more than 90 banks, building societies and specialist lenders across the UK, our role is to match your specific requirements to the right mortgage provider. With our vast choice of lenders, we are skilled at matching the client to the right lender.
We will explain the roles of all the people involved in the transaction, what they do, and why you need them. We will explain all the costs, fees and charges you may need to pay to ensure you have sufficient capital behind you to make everything work.
Should you proceed with an application, and only if that application is successful, will you pay a broker fee for the work we have done on your behalf. This fee will be disclosed to you upfront, so there are no nasty surprises.
Note:
“Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority”
Typically we charge a fee for arranging a mortgage; however, the actual fee will depend on your circumstances, but will not exceed 1% of the mortgage amount.
Benefits
- First Time Buyer Mortgages
- Residential Purchases
- Residential Remortgages
- Residential Remortgages
- Buy to Let Purchases
- Buy to Let Portfolio financing
- Transfer of Equity
- Help to buy
- Shared Ownership
Insurance
Securing the finance for your property is only part of the equation. Making sure that no matter what life throws at you, you can remain financially secure is incredibly important.
Evolution Private Finance work with a handpicked panel of exceptional protection providers. Whether you want only to protect your bricks and mortar or secure a full protection recommendation, Evolution Private Finance can help you balance the cost of cover with the benefits you need.
Benefits
- Life Cover
- Critical Illness
- Income Protection
- Accident Sickness and Unemployment
- Buildings and Contents
- Landlords
- Buildings and Contents
Note:
As with all insurance policies, conditions and exclusions will apply
Wills
When we die, we no longer have a say in what happens to our assets because the “Laws of Intestacy” set out who can receive what. These laws often conflict with what we would want to happen.
Without a Will children of deceased parents will immediately be taken into the local authority’s care, and relatives have to prove they are suitable guardians. This is incredibly upsetting for both the children and the family.
Without a Will if you are not married to the person you own your property with, they will not receive your share of the property or any of your estate, even if you own your property jointly.
The value of your “Estate” (all your assets) will be liable for Inheritance Tax. Currently, the first £325,000 is exempt; everything above this will be taxed at 40%.
If one or more of these things worry you, we can set down a Will and some Estate Planning solutions to reduce or even remove these worries.
Warning:
‘Wills are not Regulated by the Financial Conduct Authority.
Evolution Private Finance Ltd are not acting as appointed representatives of Stonebridge Mortgage
Solutions Ltd for Will Writing.
Benefits
- Security for your family
- Nominated Guardians for your children
- Tax efficiencies
- Control over your affairs
- You choose who receives your assets
Energy
Energy is something homeowners often give very little thought to, because as long as we pay the bills, the property stays warm and the lights stay on.
Changing your provider can feel like a minefield and can, on occasion, result in hefty closing bills to pay.
Evolution Private Finance works in partnership with one of the UK’s most trusted energy suppliers to bring down the cost of your energy supply, broadband, home and mobile phone bills.
Changing all the bulbs in your home to LED’s free of charge is also part of the service for homeowners and some people in rented accommodation. LED bulbs can help reduce your energy consumption by a further 15%. What’s more, once your bulbs have been replaced, if one goes “pop”, we replace it again, free of charge!
We have access to a great Green Energy scheme which helps the environment whilst saving you money.
A free consultation takes 20 minutes but could help you make significant savings on your household bills.
Benefits
- Green Energy
- Free LED bulbs
- Genuine savings
- One bill for everything
- Know exactly what your energy bill will be for 12 months
