James Evans FS Newsletter
About Us
Since 2008, James Evans Financial Services has grown into a trusted partner for clients seeking smart, flexible financing solutions. From property and asset finance to investment-backed lending, we have arranged thousands of deals across the UK, Europe, and the US, building long-standing relationships founded on trust, expertise, and consistent results. We pride ourselves on combining specialist market knowledge with a highly personal approach, ensuring every client receives clear guidance, tailored solutions, and support from initial enquiry through to completion.
What we offer
- UK, US & European Mortgages
- Asset Finance — Vehicles, Plant, Marine, Aviation & Art
- Lending Against Stocks, Investments & Select Cryptocurrencies
- Mortgages for All Profiles — From First-Time Buyers to Complex, Multi-Currency Cases
- Personalised Service with Dedicated Account Management from Start to Finish
First home, faster with My First Mortgage
Santander have recently launched a new first time buyer product, becoming the first large lender to offer a first-time buyer mortgage up to 98% LTV. With deposits from just £10,000 and gifted deposits accepted, homeownership could be closer than many clients think.
Key criteria
- First-time buyers only
- Maximum 98% LTV
- Minimum deposit £10,000
- Maximum loan £500,000
- No flats, new builds, or properties in Northern Ireland
- Maximum term 40 years
- Repayment only
- 5-year fixed rate (ERCs apply)
- Gifted deposits accepted
Not currently able to consider self-employed applicants or Shared Ownership schemes.
Skiptons Delayed Start Mortgage
Skipton’s Delayed Start Mortgage now offers even more flexibility for clients managing the upfront costs of moving home. Clients can now delay their first mortgage repayment by 1, 2, or 3 months (depending on the product selected), helping them free up cash when they need it most.
This option can now also be used alongside:
- Track Record — providing additional support for renters transitioning into homeownership
- Shared Ownership — helping to reduce financial pressure when making a first move
Interest will accrue from day one. Subject to eligibility and lending criteria.
Lenders across the market are continuing to adapt criteria and innovate products to better support first-time buyers. From higher LTV mortgages that reduce deposit requirements to flexible repayment options that ease upfront costs, these changes show a clear commitment to making homeownership more accessible while maintaining responsible lending, helping more first-time buyers take their first step onto the property ladder.
Purchase Rates
Remortgage Rates
Rates are subject to change in line with market fluctuations and depend on your LTV size.
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