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Mortgage Advisor Poole
St Barts Finance is a Poole mortgage advisor you can trust. Our company has been providing financial solutions for many customers in Poole, and the surrounding UK regions, for several years.
Our team is able to offer advice on many services such as investments, pensions, and insurance. However, mortgages are a very popular query. Our mortgage experts at St Barts Finance can provide you with straightforward, helpful and friendly advice on mortgages.
Why choose our mortgage advisers for your mortgages in Poole?
St Barts Finance has been providing mortgage assistance in Poole since 2009. We also offer advice on financial investments, pensions, and insurance. We were founded in June 2009 by our managing director, Steve Bartholomew.
Since then, we have grown to include high-street branches in Bournemouth, Somerset, Poole, Charminster Salisbury and Southampton. We also own and operate a Yorkshire Building Society branch that is located in Bournemouth.
We are confident that we are Poole’s best mortgage advisor. Our main goal is to provide a service that our clients would expect and want. We are committed to customer service and have knowledgeable, helpful and experienced mortgage consultants that can tailor our services to meet your needs.
Our mortgage experts are mainly former employees of high-street banks and building societies like HSBC, Nationwide, Nationwide, and Virgin Money.
They continue to improve their knowledge by taking additional certifications and training courses offered by The Openwork Partnership, our compliance network.
We can help you find the right mortgage for your needs
We are proud to offer our clients a wide range of mortgage options, not only in Poole but across the UK. Our mortgage consultants are available to assist you individually, based on your current situation and needs.
Whatever your query is, our mortgage brokers can help you, whether you’re a first-time buyer, you’re looking to remortgage or perhaps you just want some advice.
These are just a few of the mortgage services we offer:
First Time Buyer in Poole
It is an incredible feeling to finally be able to buy your first property. It is an exciting time, and it can prove to be very beneficial for your long-term finances. However, this exciting time can also be frustrating and confusing for many first-time buyers due to the numerous factors involved in the application process.
St Barts Finance’s mortgage brokers are highly qualified to handle the first-time buyer application. This will ensure that you get trustworthy and honest mortgage guidance. Use our mortgage calculator to find out how much your monthly payments will be.
You’re likely to have many questions regarding your mortgage as a first-time buyer. Our mortgage advisors are comfortable answering all your questions and will gladly answer them.
These are some of the most common questions that our mortgage brokers in Poole receive:
- Do I rent or buy?
- Am I ready to purchase?
- How does my credit score affect my ability to purchase?
- What amount of money do I need for a deposit?
- What tax benefits are available to homeowners?
- What is the difference between pre-qualified applicants and pre-approved applicants?
- How can I get the best mortgage deal?
Contact us today to speak to one of our mortgage specialists if you have any questions or would like to know more about first-time buyer mortgages.
Our Poole mortgage brokers can help you find the best products available if you are thinking of remortgaging. Although remortgaging is not a difficult process as it involves changing your existing mortgage to one that’s new, it’s important to seek the advice of an expert to make sure your application goes smoothly.
Poole’s mortgage experts are available to help you with your remortgaging application. You may first want to determine your property’s value in order to get things moving. This is a good way to get an idea of the equity in your property.
For more information, please make an appointment. You might also find this guide we’ve put together helpful as it may answer some of your questions about remortgaging.
Mortgages for Commerical Property
Commercial mortgages sometimes referred to as business mortgages, allow business owners to borrow money to purchase land or property for their business. The money is borrowed from a specialist lender or high street bank and paid back in monthly instalments.
Although commercial mortgages are most often used by business owners to purchase business premises, they can also be used to finance residential properties or to rent out multiple properties.
As well as a standard residential mortgage, our professional team of Poole mortgage brokers can assist you with commercial mortgages. If you want some more information about commercial mortgages, please get in touch with an adviser today or book an appointment.
Mortgage Capacity Report
If you’re currently going through a divorce or separation, you might want to consider speaking to our mortgage advisors about a mortgage capacity report.
A mortgage capacity report is a detailed report that states which kind of mortgage you are likely to get after a divorce or separation along with how much you are able to borrow.
A mortgage capacity report is usually requested by the courts to decide on financial splits of existing assets, so it’s very important to ensure the report is conducted by a credible source.
At St Barts Finance, our mortgage advisors in Poole can offer you a mortgage capacity report for as little as £195, which is cheaper than a lot of our competitors. If you need more information, please get in touch with us today by booking an appointment or have a look at this sample report.
If you know you need a mortgage capacity report, you can simply request one using our online booking system.
Equity release can be a popular option for individuals wanting to free up some extra cash to help pay for any unexpected bills. However, just like with any mortgage, it’s essential that you consider all of your options and fully understand what it is you’re getting into before committing.
How does an Equity Release Mortgage work?
A lender will give you cash in exchange for a portion of the proceeds from the sale of your property. An equity release loan, unlike a traditional mortgage that you repay over a fixed term, is not paid off until you move out of your home.
Some mortgages allow you to move house, while others are transferable. The lender usually gets its money back only when you die or move into long-term care.
It is important to note that equity release mortgages are different from remortgaging in order to free equity. Remortgaging will require you to make monthly payments to cover both the interest and borrowing costs.
Getting a Mortgage when Retired
Many people think that they will not be accepted for a mortgage after retirement because they have quit working. This is not true. It is possible to obtain a mortgage even if you have given up your job. However, you will need to talk to a mortgage advisor who can help you with your application.
During your application, you will be evaluated on your financial situation and required to show proof of income. It is possible to get a mortgage later in life with some restrictions and stricter policies, provided you have the right financial advice.
Buy to Let Mortgages in Poole
A buy-to-let mortgage is intended for investors who purchase property to make an investment. It is not the same as a residential mortgage which is for homeowners who want to live there.
There are some key contrasts between buy-to-let mortgages and residential mortgages, the main difference being the amount of deposit you are required to put down. Whilst it is possible to get on the property ladder with just a 5% deposit, you’ll need to put down at least 25% with a buy-to-let mortgage.
We have an experienced team of mortgage advisors in Poole that have been assisting new and experienced landlords with their buy to let mortgages for many years.
With the use of our local property market knowledge, we can work with you to understand your existing portfolio no matter how large and small and help you invest in property without a fuss.
More than Just Mortgages
Our mortgage team love what they do and enjoys helping people with a range of different queries, especially the more complex mortgage cases as they are often more rewarding for both us and the client.
However, we also enjoy helping our clients with their pensions, investments and insurance. In fact, our business is actually split into two departments, Mortgage & Protection and Investment & Pension, we have done this as it’s not easy to specialise in everything and we want to ensure that our advice is excellent, not average.
So whether you need advice on transferring your pension or starting a new one, opening a stocks and shares ISA or perhaps you want information about the best life insurance, our experienced team are here to help.
Speak with a Mortgage Advisor in Poole
We are proud to be regarded as one of Poole’s most trusted mortgage advisors. Our main office is located in Bournemouth. However, we have other offices in Poole, Charminster, Salisbury as well as Southampton and Somerset. If we haven’t got a branch in your area, don’t worry. We can simply set up a video call.
For any questions regarding mortgages or to get your mortgage application started, please contact St Barts Finance to speak with a mortgage advisor today. Simply give our team a call on 03300 562 210 or send an email to [email protected].
You can also use the button above to contact a mortgage advisor or our booking page to book an appointment.