Business Details
17 Years
experience
Your Trusted Partner for Financial Solutions
At evermore-fs, we specialise in providing tailored financial solutions to individuals and businesses across England and Wales. With over a decade of experience, our team of independent consultants has built a reputation for delivering value-driven mortgage advice, insurance coverage, and legacy planning services. We prioritise client needs through whole-of-market research, ensuring access to competitive mortgage deals, comprehensive insurance policies, and bespoke estate planning tools such as wills, trusts, and lasting power of attorney. Our commitment to excellence is demonstrated through continuous product updates, transparent fee structures, and a client-centric approach that has earned us recognition in the Manchester area.We combine technical expertise with personalised guidance, offering services ranging from first-time buyer mortgages to commercial financing solutions. Our 360-degree evaluation process ensures clients receive robust recommendations aligned with their financial goals, supported by a service promise that guarantees satisfaction. As an independent consultancy, we maintain no ties to specific lenders, allowing us to provide unbiased advice focused solely on client interests.
Services
Mortgage Advice
Life Insurance
Income Protection
Critical Illness Cover
Will Writing
Trusts
Over 50s Plans
Lasting Power of Attorney
Protective Property Trust
Commercial Mortgages
Details
- Year established: 2009
Highlights and features
- We offer over a decade of independent financial advisory experience
- Our whole-of-market research ensures access to competitive mortgage deals
- Bespoke solutions tailored to individual client circumstances
- Transparent fee structure with clear commission disclosure
- Client-first approach prioritising long-term financial security
What people say
Expert mortgage advice
Personalised illustration
Impeccable service
Timely execution
Comprehensive protection
Services
Mortgage Advice
We provide comprehensive mortgage advisory services covering first-time buyer mortgages, re-mortgages, buy-to-let properties, and commercial financing. Our whole-of-market approach ensures access to leading lenders, with specialists available to explain complex terminology and complete paperwork. We offer competitive deals through continuous market research, including bridging finance options for urgent property purchases. Our fee structure provides flexibility with upfront payment options and commission transparency.
Life Insurance
Our life insurance solutions protect loved ones through term assurance policies that pay out upon death or terminal illness. We advise on appropriate coverage levels and terms, considering mortgage protection and debt liability requirements. Policies can be tailored to individual circumstances, with options to include critical illness coverage. We source competitive quotes from leading insurers to ensure comprehensive protection that meets clients' specific needs.
Will Writing
We offer professional will writing services to ensure assets are distributed according to clients' wishes. Our specialists help create legally valid documents that address guardianship arrangements, funeral plans, and inheritance tax considerations. Discretionary trusts are available to protect assets from care costs assessments, with particular attention to inheritance protection for children of remarried parents. Our services include probate guidance to prevent family disputes over asset distribution.
Lasting Power of Attorney
We facilitate creation of both property/financial affairs and health/welfare LPAs. Our consultants ensure correct documentation to appoint trusted attorneys, with guidance on registration processes and fee waivers. Services include home visits for completion and fixed-fee packages 30% below average solicitor rates. We explain restrictions and conditions required for legal validity, ensuring protection against court-appointed deputies and safeguarding clients' decision-making preferences.
Protective Property Trust
Our property trusts protect home equity from care home fee assessments while allowing surviving partners to remain in the property. We help clients structure tenancy-in-common arrangements with life interests, ensuring inheritance protection for children. The service includes trust creation during both partners' lifetimes, with guidance on tax implications and probate avoidance. We explain how these trusts reduce inheritance liability while maintaining residential security for surviving spouses.
Questions
What mortgage services do you offer?
We provide first-time buyer mortgages, re-mortgages, buy-to-let loans, shared ownership mortgages, and equity release schemes. Our whole-of-market approach ensures access to competitive deals from all major lenders.
How do your insurance services work?
We offer life, critical illness, and income protection insurance with coverage tailored to individual circumstances. Our consultants source competitive quotes from leading insurers to match clients' specific risk management needs.
What estate planning services are available?
We provide will writing, protective property trusts, and lasting power of attorney services. These solutions protect assets, ensure inheritance wishes are fulfilled, and provide decision-making continuity during incapacity.
How are your fees structured?
Residential mortgage fees range from £150–£995 with transparent commission disclosure. Commercial services use bespoke pricing. We offer fixed-fee packages for legal documents like LPAs and wills.
Do you serve clients outside Manchester?
While based in Manchester, we serve clients nationwide across England and Wales, with consultants available for home visits and remote consultations throughout the UK.
