Residential Mortgage Advice from Trusted Experts

Looking for residential mortgage advice you can trust? Whether you're buying your first home, remortgaging, moving house or navigating more complex financial circumstances, Evolve Financial Services is here to help. We specialise in supporting clients across all stages of the home-buying journey, offering tailored mortgage advice and access to competitive rates from a wide range of lenders. With 100+ years of combined adviser experience, we work to simplify the process and secure the right deal for your situation - whatever your background or goals.

First-Time Buyer Mortgages

Getting a mortgage for the first time can feel overwhelming. Our advisers take the time with first-time buyers to explain every step simplifying the process and avoiding or explaining industry jargon - from deposits and affordability checks to early repayment charges and choosing between fixed and variable rates. We guide you through the process, comparing lenders and accessing competitive rates, so you feel confident from start to finish. At Evolve, we make sure nothing is rushed or overlooked, helping you secure a mortgage that suits both your budget and your long-term plans.

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Remortgaging

If your current deal is ending or you're looking to release equity from your home, remortgaging might be the right move. We will help you find the best rates, access equity or adjust your mortgage term - all based on your current financial needs. We compare offers from across the market and handle the admin on your behalf. With our support, you'll know exactly what options are available to you. We make switching mortgages as simple and stress-free as possible.

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Moving Home

When you’re moving house, sorting a new mortgage is just one part of the puzzle. Our advisers help you understand whether porting your existing mortgage or applying for a new one is the better option. We look at your changing financial picture, compare the latest rates and handle the paperwork - keeping you updated all the way through the process . At Evolve, we support home movers by finding the best mortgage deal for your new property whilst keeping your future plans in mind.

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Mortgages for the Self-Employed and Small Business Owners

Getting a mortgage when you run your own business isn’t always straightforward - but we specialise in it. Whether you’re a sole trader, contractor or limited company director, we know and understand lender criteria and therefore which lender options are best. We help you prepare the right paperwork, explain what’s needed and work with lenders who understand your income profile. We work to fully understand your business format, so that we tailor the advice to fit your business and income structure.

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Mortgages for Complex Credit Histories

If you’ve had credit issues in the past, you might assume you won’t get a mortgage - but that’s often not the case. At Evolve, we work with lenders who consider applicants with CCJs, defaults, missed payments or a history of adverse credit. We understand what information lenders need and how to present your application in the best light. Whatever your past, we focus on your current situation and help you find a path to homeownership.

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Personal Mortgage Advice That Puts You First

At Evolve, we don’t believe in one-size-fits-all solutions. Every mortgage we recommend is based on your personal situation, financial goals and long-term plans. We take time to understand what matters to you, whether you’re buying your first home or adding to a portfolio. Our team brings expertise, care and clarity to every conversation, and we keep you informed at every stage. Whatever your circumstances, you’ll get advice you can trust - and a mortgage that’s appropriate and works for you.

Trusted Financial Advisors for over 30 years

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Evolve Financial Services
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Fiona B.
Ben did a very thorough job throughout the entire process and made sure every detail was carefully handled. Communication was excellent from start to finish – they kept me well informed and were always quick to respond to any questions.

Their attention to detail and professionalism really stood out, which made the whole process much smoother and less stressful. I would definitely recommend their services to anyone looking for reliable and knowledgeable mortgage advice.
Misha M.
Very grateful to Ben for the brilliant support throughout the process of securing my first mortgage! As a freelancer and a first time buyer I was really nervous but he was really patient and knowledgeable, taking time to explain the process and discussing my options and how to get myself in the strongest position. Can't recommend Evolve highly enough for anyone looking for financial services!
Brett C.
Would highly recommend. Made what should’ve been an extremely stressful time incredibly simple and straight forward. Very personable service with great communication.
Ross M.
Brilliant experience working with Ben on securing our mortgage. He worked tirelessly to get us the best deal and was always available to discuss, even though we were calling from Australia! His calm, professional, advice left us feeling very confident that we’d secured the best deal. Thanks again, Ben.
Arran M.
Ben was very helpful throughout the entire process of buy a first home, would definitely recommend
Kevin S.
I have used this company for many years now and i cant say anything bad at all about them. I have been dealing with ben and wouldnt use anyone else, he always keeps you right so you know exactly where your at and what to do. He knows his stuff and is happy to help you anytime you need. Not a long review but they are the best mortgage advisors i have dealt with would never change and highly recommend them to anyone who is buyimg or moving house.
Jamie F.
Evolve helped me and my girlfriend purchase our first home. Ben done as much as he possibly could to help us with everything he could, making the whole process run smoothly and would highly recommend to everyone.
Saffy M.
Murray has been amazing helpful in getting me my first mortgage enabling me to buy my first home. He’s also helped set me up with personal protection that works for me.
Lauren S.
We used Evolve to help us with our first mortgage. We dealt with Ben throughout the process and he was amazing, made everything so easy and helped us understand everything, advised us and was always there to answer questions and give help when needed. He went above and beyond and made a normally stressful process easy and stress-free! We would highly recommend Evolve (and have recommended to a friend already!) and would definitely use them again in the future!
George F.
I used Ben Scholefield for taking out a mortgage back in February for the purchase of my first flat and I can’t recommend him enough. Thorough and makes things simple. Thanks Ben!

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We understand the importance of personal relationships with any financial advisor. Before we make any recommendations to you, we like to understand your personal, employment or business needs to give holistic and rounded advice that suits you. Let's start with an initial, free, no-obligation chat...