Evolve Mortgage Advice is a trusted, reliable mortgage broker with over 17 years of experience helping clients across the UK. We specialise in tailored mortgage solutions for professionals, first-time buyers, investors, contractors, and those looking to remortgage or expand their property portfolio.
What truly sets us apart is our commitment to a personal, transparent approach. We take the time to understand your goals, explain your options clearly, and guide you through each step — making the mortgage process simple, stress-free, and accessible.
We pride ourselves on providing a personal, friendly service with flexible appointment options via phone or Zoom — wherever you are in the UK. Working closely with trusted protection specialists, credit agencies, your estate agents and solicitors, we ensure a smooth and transparent process from start to finish.
With Evolve, you’ll receive expert mortgage advice designed around you. Discover how we can help you secure the best possible rate for your home financing needs today.
Guiding Your Mortgage Journey
Tailored Mortgage Advice
At Evolve Mortgage Advice, we understand that no two clients — or mortgages — are the same. That’s why we take a tailored approach to every application, ensuring your mortgage fits your individual circumstances, goals, and lifestyle. Whether you’re buying your first home, moving to a new property, refinancing, or investing in a buy-to-let, we’re here to guide you with clear, honest advice every step of the way.
We start by getting to know you — your financial situation, future plans, and what matters most to you. From there, we search the market to find competitive rates and products that align with your needs. With access to a wide panel of lenders, including high-street banks and specialist providers, we’re able to source options that others may overlook.
Our service goes beyond finding the right deal. We explain everything in plain language, handle the paperwork, and liaise with lenders, solicitors, and other professionals to keep the process running smoothly. Our goal is simple: to save you time, money, and stress while helping you feel confident about one of life’s biggest financial decisions.
Understand your credit report
Gain insights into your financial profile by viewing what lenders see. This service allows us to pinpoint the lenders more likely to accept your application and offers valuable tips on enhancing your credit report if needed. Experience it for FREE for the first 30 days, and thereafter, it's just £14.99 a month – cancel online anytime.
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Protecting your mortgage and family
At Evolve Mortgage Advice, we believe that finding the right mortgage is only part of the picture. Protecting your income, your mortgage, and your loved ones is just as important.
Our dedicated protection advisor works with you to understand your circumstances and priorities, then recommends cover tailored to your needs and budget. From income protection and life insurance to critical illness and mortgage protection, we’ll help you choose the right policies to safeguard your financial future.
We explain each option in clear, simple terms — no jargon, no pressure — so you can make confident, informed decisions. With the right protection in place, you can focus on enjoying your home and your lifestyle, knowing that you and your family are financially secure, whatever the future may bring.
Protection services are referred to a third party. Neither Evolve Mortgage Advice Ltd nor PRIMIS are responsible for the service received
Connecting with a solicitor
Seamlessly connecting you with a top-notch solicitor for a smooth process. Whether you're in the process of buying or remortgaging, it's crucial to factor in all associated costs. Reach out today to request a personalised solicitor's quote tailored to your circumstances. Should you find the quote fitting, we can promptly instruct the solicitors to work on your behalf. The advantage? We're here to drive progress and provide support, ensuring a hassle-free experience every step of the way.
Solicitor services are referred to a third party. Neither Evolve Mortgage Advice Ltd nor PRIMIS are responsible for the service received.
Our Customers
First Time Buyers
Buying your first home is exciting — but it can also feel a little overwhelming. Our first time buyer mortgage advice is designed to make the process simple and stress-free. We’ll help you understand how much you can borrow, guide you through the different first time buyer mortgage options, and find the right lender and rate for your needs. With clear, friendly support every step of the way, we’ll make sure your journey to homeownership feels smooth and straightforward.
Home movers
Moving home can be one of life’s biggest decisions — but your mortgage doesn’t have to add to the stress. Our expert home mover mortgage advice helps you understand your options, whether you’re porting your current deal, upsizing, downsizing, or buying somewhere new. We’ll compare mortgages for home movers across the market to find the most suitable rate and make your move as smooth and seamless as possible.
Contractors
Looking for a “Contractor Mortgage"? It’s just a standard mortgage from a mainstream lender — with the same competitive rates available to everyone else. We are a contractor mortgage specialist who understands how self-employed professionals are paid and how to present your income in the best light. With the right advice, securing a mortgage as a contractor or freelancer can be just as straightforward as for any other borrower.
Remortage & Product Transfers
Is your current mortgage deal coming to an end and you’re looking for a better rate? Or perhaps you’d like to release some equity — whether it’s for home improvements, debt consolidation, or to help purchase another property?
Self Employed
Are you self-employed and finding it tricky to navigate the mortgage process? Whether you’re a sole trader, limited company director or freelancer, we understand that proving your income can feel more complicated. We work with a wide range of lenders who take a flexible approach to self-employed applicants — helping you secure the right mortgage based on your full financial picture, not just your payslips.
Buy to let & Investors
Whether you’re exploring buying your first investment property, deciding between purchasing through a Limited Company or in your personal name, or simply looking to secure a new deal on an existing Buy to Let or your whole portfolio — we’re here to help.
Our Process
01
Personalised appointment,
information gathering and education
Your appointment will be by telephone or zoom, at a time to suit you. Normally lasting roughly 30 mins, we'll run through your needs and goals, complete a factfind with your information, explain the various types of mortgages (no jargon here!) and discuss which would suit you best.
We like to empower informed decisions. There will be plenty of opportunity for you to ask questions about mortgages and the home buying or remortgage process.
You will be asked to supply some documents at this stage so we can begin our research. This may be payslips, trading accounts, your credit report etc. Each lender is different, so we make sure we have accurate information at the front end so we know who to approach to secure your mortgage quickly and seamlessly.
02
Discussion of products and rates
Once we have completed our initial research we'll be back in touch with some options. We'll discuss interest rates, monthly costs, and lenders criteria, and look to move on to obtaining an Agreement In Principle with a lender.
03
Applying for a mortgage
Once you have an offer accepted on a property or are ready to go ahead with your remortgage we will start the mortgage application. We'll have another chat to review the information and rates, making sure you are getting the most competitive deal available. Your advisor will then submit the application to the lender, providing you with an illustration of the deal so you can see and discuss the full details of the mortgage, as well as a letter explaining why the recommended mortgage is suitable.
04
Mortgage offer issued
Your advisor will be laising with the banks underwriters whilst they assess your application. A survey of the property may be done, and they may ask for documents to support your application such as proof of ID or income for example. Your advisor will let you know a rough timescale for the mortgage offer to be issued based on the lenders turnaround times. Once the mortgage is offered your advisor will contact you, and will send you a copy of the offer (your solicitors will also receive a copy.) Your advisor will stay in touch with you now until completion of the new mortgage, keeping updated with solicitors and importantly, keeping an eye on the interest rates to see if rates drop and can secure you a lower rate whilst you wait to exchange/complete.