Ann Evans provides personal mortgage and protection advice from her base in Knowle, supporting local clients and people nationwide across the UK, including first-time buyers, home movers, people remortgaging, property investors and families considering protection.
If you are searching for a mortgage adviser or mortgage broker in Knowle, an initial conversation with Ann can help you understand what information matters and which next steps are appropriate for your circumstances.
Knowle is Ann’s primary base, with nearby Dorridge, Bentley Heath and the wider Solihull area forming a natural part of the community she serves. Being local does not change the need for careful mortgage advice: affordability, income, commitments, credit history, deposit or equity, the property and lender criteria all influence what may be available.
Ann starts by understanding what you are trying to achieve. That might be preparing to buy your first home, coordinating a sale and onward purchase, reviewing a mortgage before its current deal ends, or discussing a buy-to-let property. The conversation is personal, but any recommendation follows a review of the relevant facts rather than assumptions based on location alone.
Ann has more than 35 years’ experience in financial services, including over eight years specialising in mortgage and protection advice. She is CeMAP qualified and is an appointed representative of Immediate Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.
Each service has different considerations. Contacting an adviser does not guarantee that a mortgage or particular product will be available.
How Ann works with customers in Knowle
The first step is a conversation about your objective, timescale and current position. Ann will explain what information is useful and, if you choose to continue, what documents may be required. These can include proof of identity and address, income evidence, bank statements, details of financial commitments, and evidence of a deposit or existing equity.
Ann then reviews the relevant information and explains the recommendation, mortgage features, costs and application process. If you decide to apply, she can help prepare the application and communicate updates. Lender processing, valuation and legal work sit outside an adviser’s direct control, so no fixed completion date or approval outcome can be promised.
For self-employed applicants, directors or people with variable income, the evidence may differ from a standard employed application. It is helpful to discuss this early rather than assume that a particular set of accounts or income figure will be accepted by every lender.
Protection alongside a mortgage
A home and mortgage may prompt questions about how repayments or household finances would be managed after death, serious illness or a loss of income. Ann can discuss life cover, critical illness cover and income protection where relevant.
Protection policies have terms, exclusions and eligibility requirements. They should not be presented as guaranteeing a payout in every situation, and the appropriate type and level of cover depends on individual needs.
Fees and informed decisions
This firm usually charges a fee for mortgage advice. The amount depends on the circumstances and should be discussed and agreed at the earliest opportunity. Review the current fees and charges information and ask questions before deciding to proceed.
No. Ann’s published business address is in Knowle. She provides mortgage and protection advice to clients nationwide across the UK, including Solihull, Warwick, Leamington Spa and Kenilworth, without implying a separate office in each location.
When should I speak to a mortgage adviser?
You can speak to Ann while planning, before viewing properties, when an existing deal is approaching its end, or when a change in circumstances prompts a review. Criteria can change, so advice should be checked at the relevant time.
Can Ann guarantee how much I can borrow?
No. Borrowing depends on your circumstances, affordability, the property and lender criteria. A figure discussed early in the process is not a mortgage offer or guarantee.
Can Ann help with protection as well as a mortgage?
Yes. Ann provides mortgage and protection advice. Protection needs are considered separately and products may have conditions, exclusions and eligibility requirements.
