James Evans FS Newsletter
About Us
Established in 2008, James Evans Financial Services specialises in bespoke property and asset financing for high-net-worth individuals and families. We offer strategic financial solutions tailored to the needs of clients across a wide range of industries and international markets. With thousands of transactions completed to date, our experience spans.
- UK, US, and European mortgages
- Asset finance and cash flow lending
- Foreign exchange solutions
- Lending against listed stock and select cryptocurrencies
We pride ourselves on managing complex financial structures with discretion, efficiency, and results.
Trending
Accord Increases LTV to 90%
Accord Mortgages has just made it easier for foreign nationals to get on the property ladder or move up it. They’ve increased their Loan-to-Value to 90% for applicants without Indefinite Leave to Remain.
- What this means: More borrowing power with a smaller deposit
- Who benefits: Non-UK citizens or expats with limited leave to remain
- Why it matters: A growing number of lenders are opening up to this market therefore now is a great time to review your mortgage options if you’ve been previously restricted.
Could you borrow more now?
Several lenders, including HSBC, have recently relaxed Loan-to-Income (LTI) limits, improving overall mortgage affordability. If you were capped or declined earlier this year, the door might now be open.
- What changed: HSBC improved their LTI last week, and others have followed
- Who it helps: First-time buyers, movers, and remortgagers with tight affordability
- Why act now: If you checked your borrowing power 6+ months ago, it’s worth revisiting as you could now be eligible for a larger loan.
Rates Across the Market
Rates are subject to change in line with market fluctuations and depend on your LTV size.
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