St Barts Finance provides Mortgage advice for residents of Bournemouth and surrounding areas. Using our market knowledge and local expertise we can help you find the most suitable mortgage for your needs. We can search from more than 50 of the UK’s mortgage lenders to get you the most suitable mortgage and can extend this list for more specialist products if required. We are not tied to any one lender, which means that we can put your needs first and are not blinkered when searching to get you the mortgage that you require.
We pride ourselves on our high levels of service, and like to provide clear concise advice to you and your family to ensure you receive the best mortgage advice for you as an individual. As a resident of Bournemouth, we will take the time to understand your personal financial circumstances and will arrange an initial meeting with one of our mortgage advisor’s in Bournemouth at our cost. Once this meeting has been carried out, your mortgage advisor will make recommendations that best suit your personal requirements. At this stage you are under no obligation to use our services, but we find that our clients continue on from this point.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
How We Work
With access to industry leading products and the latest technologies our mortgage advisors in Bournemouth are ready to search the UK mortgage market to find you the most appropriate mortgage for you and your future. We can support buyers across Bournemouth and surrounding areas with an array of mortgage solutions. We offer advice to Home movers, first time buyers, buy to let investors and clients looking to re-mortgage.
Our mortgage team covering Bournemouth & Poole are highly qualified and friendly, plus have many years of experience in the industry – previously having worked for companies such as Halifax, HSBC, Virgin Money and City Bank etc. We deliver mortgage advice in a straight forward and simple manner that allows our clients to feel comfortable with the mortgage process.
We understand that changing your mortgage can be a stressful process, but it does not have to be. Our mortgage advisor’s covering Bournemouth & Poole and the surrounding areas are there to make it as straight forward and stress free for you as possible.
St Barts Finance has been built on the back of our reputation throughout the areas we cover. With many of our existing clients referring their family and friends to also benefit from our straight forward and professional mortgage advice service. We are extremely proud of what we have achieved over the years for our clients throughout Bournemouth & Poole and look forward to helping you with the same great service.
Mortgage advice is so much more than comparing rates. As with many clients we meet, they have seen competitive interest rates on the internet, but what are the terms and conditions? Does that cheap rate have high fees, are there penalties if you over pay the mortgage or move house (can you move house with that mortgage – will they let you take it with you or do you have to pay it back first?
We can help clients from Bournemouth & Poole and throughout the surrounding areas. Contact us today for your no obligation initial consultation.
We cover: Christchurch, Ringwood, Ferndown, Highcliff, Wimborne, Blandford, Parkstone, Southbourne, Verwood, Wareham, Swanage, New Milton, Milford On Sea, Lymington, Fordingbridge.
All About You
The bottom line is that it is all about YOU and YOUR own personal circumstances. We search more than 50 of the UK’s mortgage lenders (previously known as ‘whole of market’) when looking for the best mortgage for you and every lender will have different products and different criteria that may or may not work for you. Our job is to find you the best mortgage that suits YOU and then arrange this mortgage for you in a simple, efficient and straight forward way – taking the stress out of the equation.
Our Mortgage Advisor’s in Bournemouth & Poole Can Advise On:
First time buyers
Help to Buy
Re-mortgaging for a better deal
Moving up the property ladder
Buy to let / Let to Buy & Portfolio Landlords
Shortening / Stretching your mortgage term
Taking advantage of Government Schemes
Part Buy or Part Rent
Right to buy
Mortgages into Retirement
Most of us would like to think that when our lives come to an end, we’ll be old, our loved ones will be financially secure and our financial responsibilities will be taken care of. Sadly this isn’t always the reality.
Most of us wouldn’t think twice about insuring our home, car, TV or smart phone – the material things we see and use every day. We even make sure our pets and holidays are covered. So why don’t we feel the same about protecting our families? Even if we do live a long and happy life, we may at some point suffer an illness or accident that prevents us from working, or makes us a victim of unemployment. It’s therefore sensible to consider how best you’d protect your finances – and those of your family – if the unexpected were to happen.
Whether it’s coming to terms with the loss of a loved one, dealing with a serious illness, the consequences of an accident, or losing your job, it can be comforting to know there are no additional financial worries to take care of.
Why is it important
If you have a mortgage, people who depend on your income, or you want to protect your lifestyle in the event of illness, protection insurance could help you and your family avoid a financial disaster.
Life and protection insurance provides financial protection for your family in the event of the unexpected happening. We’re generally laid back about personal risk, but it’s worth considering the facts: Half of people in the UK born after 1960 will be diagnosed with some form of cancer during their lifetime. In 2015/16 approximately 8.8 million working days were lost due to musculoskeletal disorders. There are nearly 160,000 people who die from heart attacks in the UK each year.
If you or your family faced a similar situation, a protection policy could help to pay off your mortgage / maintain your or your family’s lifestyle / pay for replacement childcare / cover school or university fees / pay for specialist nursing support.
Are you a Business Owner?
The shareholder/directors in limited companies – and, indeed, members of partnerships – often need protection against the impact that the death of one of the shareholder/directors or partners might have on the financial viability of a business.
There are a lot of questions to consider and it is definitely worth a discussion with us to go through your requirements further. Please contact us to arrange a meeting.
Regularly Review Your Cover
You should always review your level of protection insurance whenever there are significant changes in your life. Getting married or moving in with a partner, buying a home, having children or changing your job can all have an impact on your financial obligations.
Even if your circumstances don’t change significantly, it can be worth reviewing your arrangements to see if you can find a more suitable policy.
Having said that, it’s important to ensure the cover of any new policy meets your needs, and that you’re aware of any benefits you may lose compared to your existing policy.
Beyond The Price
It may be tempting simply to opt for the cheapest policy available. But it is important to bear in mind that whilst many products may look the same, there can be important differences between them that can be difficult to spot.
This is particularly important with serious and critical illness cover, and income protection insurance, where the cover available from different providers varies more significantly.
Care should be taken to select a policy that is most suitable for your particular needs. We can help you make the right selection.
Working With You
We offer trusted support from recommendation to application and beyond.
We’ll complete a comprehensive Fact Find with you, either face to face, over the phone or by video link, so that we can identify the products that suit your needs.
Researching the options Using our expert product knowledge, we will put together a personal recommendation for you.
Recommending the right solution: Once we have identified the options available, we’ll meet with you again or discuss our recommendations over the phone. We’ll also write to you so you can review what we have suggested, and why. Assuming that you are happy with your our recommendation, we’ll work with you to complete the application forms and stay in touch throughout the process – and into the future.
Policies available include:
Life Insurance, Serious Illness Cover, Income Protection, Accident Cover, Buildings & Contents Insurance and Landlords Insurance (Including rent guarantees).
Please get in contact with us to discuss your situation further.
Making pension plans for your retirement is an integral part of financial planning. Pensions are long-term investments designed to help ensure you have enough income in retirement.
The government encourages you to save towards your pension by offering ‘tax relief’ on your contributions, which means your pension provider claims tax back from the government at the basic rate of tax. If you are a higher rate tax payer, you can claim additional tax relied from HM Revenue and Customs.
When you reach retirement, you’ll want to look at the most appropriate options for your pension fund. There are a lot more options available to you than simply taking your income direct from your current provider.
We offer a holistic financial planning service by assessing your requirements throughout your lifetime, to ensure that you have the right amount of money as and when you need it. We are able to let you know at what stage in your life you are able to retire (if you want to) and what funds you will have available – it may be sooner than you think! If this is not the case, we can help you put the right plans in place to try to achieve your goals.
Whether you need advice on starting a pension, or already have several pensions in place and would like them analysed, then please feel free to get in touch and arrange a no obligation pension review with us.
HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.
The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.
Making sure you make the right decisions about your future!
The freedom granted by the pension changes is good news for all pension savers.
However, the increased options could lead to many people making the wrong decisions and paying unnecessary tax, making professional financial advice all the more important.
Freedom over how you take your tax free cash (PCLS): Most people can take up to 25% tax-free cash from their pension. You can either take the tax-free cash all in one go or have a portion of any withdrawals you make paid tax free. So, if, for example, you have a pension fund worth £100,000, you will have the choice of:
• Taking £25,000 tax-free cash all at once, with any subsequent withdrawals taxed as income OR
• Making a series of withdrawals over time, receiving 25% of each withdrawal tax free. For instance, if you take lump sum withdrawals of £1,000 a month you would receive £250 of each payment tax free with the rest subject to income tax. This could help you manage your tax liability.
The tax treatment of any pension you pass on will depend on certain factors
including the age in which you die:
• If you die before age 75, any money left in your pot will be passed onto
your beneficiaries tax free in most circumstances. This can then be
taken as a lump sum or as retirement income.
• If your pension hasn’t been touched and you die before age 75, your
beneficiaries may have to pay tax if they do not use the money within
the two years of the provider being made aware of the death.
• If you are 75 or older when you die, the pension money will be taxable.
Depending on how and when your beneficiaries take the money, the
tax charge may vary.
There are three options for your beneficiaries if you die after 75:
• Take the whole fund as cash in one go, this will however be taxed at your
beneficiary’s marginal rate.
• Take a regular income through an income drawdown or an annuity.
The tax on these will be charged at your beneficiary’s marginal rate.
• Periodical lump sums through income drawdown. The lump sum payments
will be considered as income and therefore will be subject to income tax
at your beneficiary’s marginal rate.
Unlike previous years, the pension changes have allowed the funds to not only support the people in retirement, but it can enable one generation to support the next and beyond by being able to pass your pension fund to the next generation.
Flexible Access from age 55
Those aged at least 55 have freedom over how they take an income from their pension, over and above any tax-free cash. The choices on retirement will be to:
• Take the whole fund as cash in one go.
• Take smaller lump sums, as and when needed.
• Take a regular income.
The latter could be via income drawdown, where you draw directly from the pension fund which remains invested, or via an annuity, where you receive a secure income for life.
Any withdrawals in excess of the tax-free amount will be taxed as income at your marginal rate. So, if you are a basic-rate (20%) taxpayer, any income
you draw from your pension will be added to any other income you receive (e.g. your salary). This could push you into the higher (40%) or even top-rate (45%) income tax bracket.
Choosing to take the pension out in stages, rather than in one go, could help you manage your tax liability. It should also be possible to take the tax-free
cash straightaway and the taxable income via income drawdown at a later date.
Income Drawdown carries significant investment risk as your future retirement income remains totally dependent on your pension fund performance. Pension Drawdown may only suit a limited number of people.
Retirement Ages to Increase
The age at which you can draw your pension is currently 55. This is set to increase to 57 from 2028 and, from then, will increase in line with the rise
in the State Pension age, albeit remaining 10 years below.
Under Current Law, the State Pension Age is increasing to 68 between 2044 2046 or before – how does this effect you:
If your date of birth is on or before 5 April 1970 – No change.
Between 6 April 1970 and 5 April 1978 – Your state pension age is currently 67. It would increase to between 67 years and 1 month, and 68 years, depending on your date of birth.
After 6 April 1978 – No change, your state pension age remains at 68.
If you’re looking to access your pension or you’d like advice on your new pension choices, please git in touch.
Better to check first than regret later, you cannot change your mind once an annuity has been purchase – it is for life!
When you are considering savings and investments, it is important that you make the right decisions and ensure that you match these decisions to your attitude towards investment risk. There is a great deal of benefit that can be gained from professional advice in this area and we are able to advise you on the appropriate and tax efficient solutions that meet your requirements.
You may have:
Capital that you would like to invest
Received a lump sum inheritance
Be planning for your retirement
Saving up for a new home / holiday / dream purchase
Looking to set your children / grandchildren up for the future
Or simply want to set up an emergency fund so that you are not caught out.
We lead complex lives in an increasingly complex world. We can help you understand financial challenges, goals and needs, and help you find appropriate ways to meet them. Even a seemingly straight forward financial goal can involve numerous decisions and a lot of time and effort getting it right. Book a no obligation appointment with us to see how we can help you with your plans for the future.
The value of investments and any income from them can go down as well as up and you may not get back the original amount invested.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
The Next Generation
A ‘good start in life’ is what all parents want for their young children.
That goal is usually shared by grandparents, aunts, uncles and close friends too. Initially, that aim often translates into a surplus of toys but, give or take technology fads, this stage eventually passes. At that point, thoughts start turning towards the future and the transition from child to adult – and beyond. The longer term perspective raises the possibility of making investments for the child, which they can call on in adult life.
Inevitably this leads to a variety of issues:
• Are there particular needs which should be targeted, or is flexibility more important?
• Which investments would be appropriate?
• Can some parental (or other) controls be put in place to restrict when the child can gain access to the investments?
For today’s children, the path through the early years of adulthood looks rather different – and more expensive – than their parents experienced, let alone their grandparents. Are you considering saving towards your children’s Higher Education, Marriage or to help them get on the Property Ladder in the future?
It is worth taking expert advice before making any decisions and the sooner you start saving the better. Give us a call to see how we can help.
Tax Allowances & Reliefs
Are you making the most of your tax allowances and reliefs?
If you leave your tax planning until the end of the tax year, you could be missing out on a year’s worth of reliefs and allowances. Here’s a reminder of some of the key tax reliefs and allowances available, to help make your money work harder:
Earn up to £1,000 interest on your personal savings tax free.
Invest up to £40,000 in your pension every tax year and receive tax relief on those contributions.
Invest up to £20,000 each year tax efficiently, with an ISA.
Make the most of your £11,300 capital gains tax allowance when selling an asset or investment that has increased in value.
Earn up to £5,000 in dividend income from your investments and
pay no income tax (This allowance reduces to £2,000 in the 2018/19 tax year).
Review your potential inheritance tax liability with the introduction of the Residence Nil Rate Band.
Consider whether you could take advantage of the tax efficiencies available from investing in an Enterprise Investment Scheme or Venture Capital Trust. Please note these are specialist investment options that carry higher risk.
Please bear in mind that this information is based on our current understanding of the rules for the 2017-18 tax year. HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.
The value of investments and any income from them can go down as well as up and you may not get back the original amount invested.
Whatever your aspirations, we can help you build the right investment portfolio for your needs, by taking the time to ascertain what your goals are, when you wish to achieve them by and matching these to your attitude to investment risk.
We pride ourselves on the long-term professional relationships we have with all of our clients. Their goals and circumstances are constantly evolving and changing and they like the comfort of being able to regularly consult a professional financial adviser.
We will be able to continually review your investment strategy. Making sure that it continues to complement your future financial objectives, and helping you to make sense of the many different savings and investments products available in the most tax efficient way possible.
We work from high street offices and all advisers have private meeting rooms if you would like to come and visit us (alternatively we can come out to you).
Call us today to discuss your circumstances or book an appointment – we look forward to hearing from you.
St Barts Finance helps clients make the most of their capital, whilst providing a confidential and
safe home for all their financial needs.
Put simply, we want to assist you to grow and enjoy your wealth, whilst helping you save money wherever we can, be it by utilising the most competitive products we have access to or making full use of your tax allowances each year. The financial advice we provide is available to individuals and businesses and covers everything from mortgages and insurance to pensions and investments.
We conduct a no obligation initial consultation and tailor our services to your specific financial requirements. We pride ourselves in ensuring our clients are never rushed, nor feel pressurised into doing something they don’t want to. We like to ensure that all of our clients understand the product or products that they are taking out and we feel that this ensures that they know that it matches their requirements.
HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.
Our Director, Steve Bartholomew has worked in the Financial Services Sector since 1999 and prior to this, worked in the property industry for 3 years. He started St Barts Finance in June 2009 and has built the business on referrals from existing clients and links with local companies. In his spare time he enjoys DIY, playing golf and spending time with his wife and two young boys.
Richard has worked in most roles in banking and financial services with several leading providers and has over 20 years of experience in the industry. After long spells with Nationwide and Virgin Money as a Regional Director he joined the St Barts team in May 2017. In his spare time Richard enjoys country walks with his wife, Angie & Golden Retriever, Charlie.
James has been a Mortgage Adviser since 1999, the majority of this time from the whole of the market but also has 2 years corporate experience having previously worked for HSBC. He has also run broker support services previously, so is vastly experienced within his chosen field. In his spare time he enjoys playing table-tennis and golf , however doesn’t get much time to do either, as he has three young children (including twins!).
Maria has worked in Financial Services for 15 years, and has experienced the corporate world significantly before branching out to the intermediary world. She is passionate about the mortgage world and loves the client interaction that this can offer. She has a wealth of experience in the mortgage market and its regular changes. In her spare time she enjoys long country walks with her dog and enjoys a few hours of solitude in the form of Pilates, socialising with friends and spending quality time with her son.
Stephen has worked in Financial Services since 2000, having previously worked for Halifax in a variety of roles and gaining a wealth of experience. He joined St Barts Finance in August 2014 as a Mortgage & Protection Adviser . He has two boys who take up the majority of his time, but also has a keen interest in karate and general fitness – even running the London Marathon!
Karen has worked in the Financial Services industry for over 25 years, predominantly working in high street Retail Banking (Virgin Money & Chelsea Building Society) where she gained a vast experience across all aspects of administration, processing and managing highly driven teams. During her time in these roles, she held positions as a Branch Manager and Regional Manager. In her spare time Karen enjoys training for Tri-Athlons, half and full marathons and would love one day to hold a Guinness World Record.
Ben has worked in the Financial Sector for many years, gradually increasing his knowledge and expertise through various examinations. He advises on all aspects of financial planning, including various types of Investments and Pensions to suit his clients individual requirements.
St Barts Finance are always looking for new people to join our team. We are expanding the business in the South of the UK and would welcome contact from any Advisers - Mortgage & Protection and/or Investment & Pension that are looking to start there own business, but would also like to be part of our team.
Please email your CV to us if you would like to take the St Barts Finance name into your town and build and develop your own company with our guidance?
Emma has worked in the financial services industry since 2009, where she has gained a vast amount of knowledge and expertise . She is looking to progress her career by becoming a Financial Adviser over the next few years and is currently undertaking a number of industry exams and training courses. Her experience includes Retail Banking and Pensions and Investment Administration. In her spare time she is part of a local Dance group and also enjoys testing out her general knowledge at her local pub quiz.
Hannah has been with St Barts Finance since 2013, starting as an apprentice straight from school. She has built up a fantastic knowledge of the Financial Services Industry since joining us and provides excellent support to the Mortgage Advisers in the office. She has always lived in Bournemouth and states that ‘she could never move away and leave the gorgeous beaches behind!’. In her spare time she enjoys playing badminton and socialising with her friends.
Alex has worked in the finance industry (Nationwide) since 2015, having previously worked as a Supervisor in the retail industry. He is looking to progress his career with St Barts by undertaking industry exams in the future. In his spare time he enjoys computer programming and going for long walks with his dog.
Lyndsay has work in the finance industry since 1984, having worked for a long period at LV= in general insurance and prior to this as an adviser in the protection and investment sector. In her spare time she enjoys spending time with her family, and is currently learning how to river fish!
Charlotte has been with St Barts since 2016, originally starting with us on an apprenticeship programme. She loves a challenge and is keen to progress her career in insurance and mortgages - with the ultimate goal of becoming an Adviser herself. In her spare time, she enjoys socialising with her friends, keeping active and taking her dog out for long walks through the forest.
We believe we offer an outstanding service to our clients. But don’t take our word for it. We have countless happy clients with some wonderful things to say about us. If you are happy for us to publish your comments, please add them below. Please remember that the internet is not a secure medium and the privacy of your data cannot be guaranteed.
Following a colleague's introduction to St Barts, the initial meetings and annual review with Steve Bartholomew were professional and took into account my needs and requirements in an unpressured environment. Online access to the Zurich platform gives ease of reference to fund performance and dealings with support staff has been efficient and polite.
I have invested my savings with St Barts Finance, and they certainly know there stuff. Staff helpful, friendly, and knowledgeable, will take time to explain things I don't understand in my terms. If you want to invest I recommend using St Barts Finance.
Steve and the team worked very hard "We got there in the end "We only just started working in UK after a time abroad. Steve managed to obtain the mortgage we needed to get away from the Renting Sector communication and his devotion to the task was outstanding "Against all odds" . We are now settling in our own home thanks for everything To anybody that thinks they could never achieve a mortgage on a moderate income give these guys a try they are simply brilliant at what they do they do charge a fee but worth every penny.
A HUGE thank you to Richard, who has been very efficient throughout the whole process and Emma who helped in Richard’s absence. My husband and I are first time buyers, we were initially buying the house we were renting, which would have been a fairly easy procedure however our Landlord changed his mind at the last minute, meaning we went through to buy another property with a little more complication, Richard was always available at the end of the phone or email to answer any questions and help with anything we needed clarification on. What could have easily been a VERY difficult process was made stress free and easy by Richard and his team.
“Stephen R and the team were absolutely brilliant through our remortgage and purchase of our new home, we were kept up to date day to day with our progress from start to finish it was a pleasure and the easiest part of the process. So a big thank you we will definitely be recommending you to friends and will certainly be using you again.”
Chris and Fiona
I was in less than straight forward circumstances when applying for my current mortgage, requiring more work from the adviser than a standard application and making me quite anxious about the whole process. However, Maria and Hannah went out of their way to reassure me, keep me in the loop with what was happening and guiding me through a number of complications. I am so grateful I found St Barts, and very happy with the work of Maria and Hannah in getting me into my new home, thank you both!
Thank you so much for organising my mortgage. I received the cheque today. You have been such a pleasure a work with and I will be sure to come back (hopefully next year!) when I find my next property.
Stephen R and the team were absolutely brilliant through our remortgage and purchase of our new home, we were kept up to date day to day with our progress from start to finish it was a pleasure and the easiest part of the process. So a big thank you we will definitely be recommending you to friends and will certainly be using you again.
When the banks said no to a small mortgage which was much less than I was paying or saving per month I saw Maria. In no time at all she had sorted out a mortgage for me. Whenever there was a query or enquiry Hannah was on the ball, great communications, thanks to you both.
Steve and Hannah are extremely professional, efficient and friendly, offering an excellent service. Their help and advice was invaluable in securing a mortgage for our new home. They were always happy to answer all our questions. We will definitely use them again and recommend to others. Thank you for all your help.
James & Charlotte
We would like to take the opportunity to thank St. Barts for helping us to re-mortgage. We would particularly like to express our thanks to Maria who we have used for mortgage services n the past. We followed Maria from her previous company to St. Barts and would fully recommend her to family and friends in the future. Maria was always professional and competent in her work and we would also like to thank Hannah in the office for her administrative support.
We are very happy with the service received by Steve and his team. I was referred to St Barts by a friend as I was looking to re-mortgage. Not only did St Barts find us a deal which was substantially better than any other mortgage brokers i'd spoken to, they also provided sound advice regards to how best to approach using the re-mortgage to help fund some home improvements. Throughout the entire process to completion we were kept informed and even when we made an adjustment to the mortgage it was handled professionally. I will be returning to St Barts when the time comes. Thanks again.
Steve & Jenny
Maria helped us with a buy to let mortgage. She was friendly, professional, approachable and efficient, with a 'can do' attitude, even when we came up against problems (mainly raised by my solicitor). Based on my experience, I would have no hesitation in recommending St Barts. And I adore the free pens :-)
Steve and his team have been so professional and found us a great product and then they continued to do all the work which was great. You really feel in safe hands . Thank you to all.
To Steve and Hannah. Thank you for making the whole process much easier and less stressful. You and your staff are professional, courteous and friendly. We would highly recommend your service to anyone who wants peace of mind and an easy mortgage experience. We wish you all the best for the future.
Jeremy & Nadine
Thank you very much for all your help in advising and setting up our new mortgage. We found the service to be very professional and nothing was too much trouble. We will definitely recommend Steve and his team at St Barts.
Clive & Sarah
I was very impressed with the very professional advise and the seemingly smooth and painless way everyone dealt with our application, I would certainly use you again and also recommend you.
To Richard and Lyndsay. You made the whole process of the mortgage very easy and no stress. A very professional approach and I was always kept up to date. I would recommend you.
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