Our Story – Timeline

From zero to heroes

One bright, sunny day in 2006, Bhavik Patel and Andrew Rowe met while working at the same mortgage practice. Little did they know then, that it would lead to something so special – but this meeting of minds marked the very beginnings of Evolution Financial Services. Here’s how it all happened.
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Andy and Bhav meet at work and instantly hit it off.


Bhav starts his own mortgage practice called Evolution. It was set up to provide independent, transparent and honest advice – while aiming to keep everything simple.


Andy joins Evolution, bringing his own experience and skills to the table. Then later that year, the dynamic duo take over Belgrange Mortgages.


The pair are now offering advice on wealth management, insurance, auto-enrolment, and estate planning as well as mortgages. So Evolution Financial Services Ltd is born.


The time has come to stop working from home. Evolution Financial Services moves into its first office in Harrow. Once nicely settled in, the company acquires its first IFA client base from Nexis.


Evolution takes over Wem & Co Financial Services, then expands with a second office in Acton.


Next Andy and Bhav acquire Executive Mortgages, paving the way for a third office in Teddington.


From two people working at home, the Evolution team now has more than 200 years’ combined experience and manages over £100m of assets on behalf of clients.

And beyond

The growth continues but the drive to offer a service that’s honest, simple and totally geared to clients is as strong today as it was on day one.

A shared ethos

The way everything has come together is quite remarkable, but it’s only been possible because we all share the same values and ethos. These are the 5 rules we live and work by – and so far, they’ve served us well.

Our Values

  • 1
    We are, and always will be totally independent. It’s the only way we can offer the kind of service we believe in.
  • 2
    In it for the long run
    Strong partnerships are the backbone of our business. By spending time getting to know you well, we can help you get more out of each important stage of your life.
  • 3
    Simple and straightforward
    We promise never to bombard you with industry jargon. We’re about giving it to you straight and keeping everything as simple as possible. Always.
  • 4
    Ethical and sustainable
    It matters to us where your money goes. That’s why we endeavour to recommend funds that are good for you and even better for the world.
  • 5
    As far as we’re concerned, it all starts and ends with trust. It’s something we work hard to achieve and even harder to maintain.
Meet the team

If we’re going to get to know you, it’s only right you can get to know us too. That’s the nice thing about working with Evolution – the team you see here is the one that you’ll deal with face-to-face, over the phone or online.

Get to know us
Our Investment Philosophy

When you invest your money through us, we want you to know that it’s done in the right way. So whether you’re investing for the short or long term, taking a safe or risky approach, we play by the same rules.

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Talk to us

We’d love to get the conversation started.

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Evolution Financial Services is a trading name of Evolution FS Ltd which is authorised and regulated by the Financial Conduct Authority (FCA).
We are a broker and not a lender. Your home or property could be repossessed if you don’t keep up repayments on your mortgage, or any other debt secured on it. The Financial Conduct Authority doesn’t regulate tax planning, and some forms of mortgages and loans.
The guidance and/or information on this website falls under the UK regulatory regime and so is restricted to consumers based in the UK.