Services

We offer a wide range of services designed to meet the diverse needs of various clients.

We ensure to provide you with mortgage and insurance solutions that are tailored to your needs and personal circumstances. 

First Time Buyer

A first-time buyer is someone who is purchasing property for the first time and has not previously owned a home. This exciting yet challenging journey involves budgeting, obtaining a mortgage, and navigating various legal steps. We provide guidance throughout the process to ensure you understand the requirements and costs involved, enabling you to achieve homeownership with confidence.

House Insurance

Household insurance protects your home and belongings from unexpected events.

There are two types of household insurance - buildings and contents.

Together, they provide financial security and peace of mind for homeowners and renters alike.

Buy To Let

Buy-to-Let refers to purchasing property specifically to rent it out to tenants, generating rental income and potential capital growth.

It's popular among investors, as rental yields and property appreciation can offer financial returns.

Buyers typically secure a special mortgage and consider factors like location, demand, and costs for successful investment.

Income Protection

Income Protection is a type of insurance designed to support you financially if illness, injury, or disability prevents you from working.

It provides a regular income, typically a percentage of your earnings, until you can return to work or retire.

This safety net helps cover essential expenses and ensures peace of mind during challenging times.

Buying my first home felt super overwhelming at first—credit scores, mortgage options, trying to figure out what kind of protection I needed—it was a lot. But Raj made the whole process so much easier.

He really took the time to break things down in a way that made sense and helped me understand how everything worked. He looked at my credit score and worked with me to narrow down the best mortgage options until we found something that fit perfectly.

If you’re buying for the first time or just want someone who actually cares, definitely talk to Raj. Can’t recommend him enough!

Raj is a blessing in disguise. Both myself and my mother were to be on the mortgage for a Right to Buy property. Raj knew all the rules about this - not just for buying but also what is required if we are to sell, as well all types of mortgages that would be most suited.
 

Raj is excellent with mathematical calculations and was able to explain ways to save money. One example is why paying more interest is more cost effective then lower rates with a fee.

Raj made time to answer queries and being self employed he knew how to navigate around this to obtain best offers.

I couldn’t have got a mortgage without Raj’s help as it was a complicated case.

Thank you, Raj.

Raj is extremely professional and fair.

He has great knowledge of the market and takes great interest in knowing understanding the customer needs

He make goes beyond his duty to make sure customers are looked after and they are able to achieve their goal.

He will take time out to get involved and help you even when his job his complete.

The level of his aftercare is exceptional and must be noted.

I wanted to express my heartfelt appreciation for the exceptional service that Raj provided in helping us, where other brokers could not help. He found a solution and sorted out our Mortgages and Protection Insurance so we could buy our new home and sell our old one, which he also helped with.

I would highly recommend Evolving Finance if you want to buy house, or you are renting house or if you are selling house. Raj’s advice has been very helpful in making by decision’s right and firm.

He took the time to understand our needs and preferences, ensuring that we were comfortable and confident every step of the way. His planning for fund management is exceptional. And I strongly believe that this type of knowledge and understanding only come through experience. He has a wealth of experience, as an advisor.

I can always work with him in future and strongly recommend him to others.