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Mortgage Broker Bournemouth
St Barts Finance is a mortgage broker Bournemouth locals can depend on. For many years now we have been providing financial services to a wide variety of customers in Bournemouth and neighbouring UK locations.
Although our team can provide advice on a wide variety of services, such as insurance, investments and pensions, one of our most popular inquiries is advice on mortgages.
If you are searching for honest, helpful and friendly advice on mortgages, our mortgage advisers at St Barts Finance are here to assist. Talk to our team today by calling us on 03300 562 210 or send an email to [email protected].
Additionally, you can use the button above to talk with a mortgage adviser or use our booking page to set up a call.
Mortgage Advice Bournemouth Homeowners Can Trust
At St Barts Finance, we have been offering guidance on mortgages in Bournemouth for several years, in addition to offering advice on pensions, insurance and investments.
Originally set up in June 2009 by our managing director, Steve Bartholomew, St Barts Finance has accomplished considerable development with high street branches in Bournemouth, Poole, Charminster, Salisbury, Southampton and Somerset. We even own and run agencies of Yorkshire Building Society.
Without a doubt, we believe we are a mortgage broker Bournemouth locals can rely on as our primary aim is to give a service to our clients that we would anticipate and wish to receive ourselves.
Customer support is at the forefront of our company and we have experienced, knowledgeable and friendly mortgage advisers who can tailor to your individual requirements.
Most of our mortgage specialists have previously worked for high street banks and building societies such as HSBC, Halifax, Nationwide and Virgin Money and continue to enhance their understanding through additional certifications and training courses supplied by our compliance network– The Openwork Partnership.
We Offer a Range of Mortgage Solutions
We are proud to be able to offer our clients a vast range of mortgage solutions, not just in Bournemouth, but throughout the entire UK. Our team of mortgage consultants can assist you individually based on your needs and current circumstances.
So whether you are a first-time buyer, you’re remortgaging, you want to release equity from your property, you need a mortgage capacity report or perhaps you’re just looking for some honest and friendly advice, our mortgage brokers are happy to help.
Here are just some of the mortgage services we offer:
First Time Buyers in Bournemouth
Finally being in the position to be able to purchase your first property is an amazing feeling. Being a first-time buyer is an exciting time and can be very advantageous for your long term finances.
Having said that, although this is an exciting time, it can equally be frustrating and perplexing for a lot of first-time buyers, due to the various factors involved in the application process.
Our mortgage brokers at St Barts Finance, are highly qualified to handle first-time buyer applications so you can be certain in knowing that you are going to get honest and trustworthy mortgage guidance.
Why not use our mortgage calculator to see just how much your payments are likely to be?
As a first time buyer, you’ll probably have many questions about your mortgage. Our mortgage advisers are used to receiving a variety of queries and are happy to answer any you may have.
Here are some typical questions our mortgage brokers in Bournemouth get asked:
- Should I buy instead of rent?
- Am I ready to buy?
- Does my credit rating influence my potential to buy?
- How much money do I need for a deposit?
- What are the homeowner’s tax benefits?
- What is the contrast between pre-qualified and pre-approved?
- How do I get the best mortgage?
If you have asked any of these queries or want to find out more about first-time buyer mortgages, please contact us today and talk to one of our mortgage experts.
If you’ve been thinking about remortgaging our mortgage brokers can ensure you get the best product available. Remortgaging isn’t usually a complicated process, as essentially it’s switching your present mortgage to a new one but it’s still important that you seek advice from an expert to ensure your application goes smoothly and you get the best deals available.
Our mortgage specialists in Bournemouth are here to assist you with your remortgaging application. To get the ball rolling, you may wish to first discover the value of your property. This can be helpful because it can give you an idea of how much equity you have in your current property.
If you want some more information please book an appointment with us. We also have a helpful remortgaging guide that might answer any questions you have.
Along with residential mortgages, our professional team of mortgage brokers in Bournemouth can help you with commercial mortgages. Commercial mortgages or business mortgages as they are sometimes referred to are primarily for business owners who are looking to buy property or land for commercial purposes.
A business mortgage is any loan secured on property which is not your residence, including buy to let mortgages, which are a special kind of business mortgage. If you would like to learn more details about commercial mortgages, please speak to our mortgage specialists.
Mortgage Capacity Report
A mortgage capacity report is a thorough report detailing the amount and kind of mortgage you are most likely to get after a divorce or separation. As a mortgage capacity report is typically requested by the courts to pick financial splits of existing assets, it’s very crucial the report is considered credible, so it is essential to talk with a mortgage advisor.
We offer mortgage capacity reports for just £195, which is considerably lower than most of our competitors. If you would like more information about mortgage capacity reports then read our mortgage capacity assessment page.
Otherwise, you can request a mortgage capacity report from our mortgage advisers online. Check out our sample report to learn more.
Equity release with a mortgage is a popular option for a lot of individuals, as it can free up some funds and might eliminate any financial pressure. However, it’s essential to consider your choices and fully comprehend what equity release is prior to deciding.
Talk to a mortgage advisor at St Barts today to get more information about equity release.
Mortgage in Retirement
When applying for a mortgage in retirement many people believe that they won’t get accepted because they have stopped working. However, this isn’t actually the case.
If you’ve given up work it’s still possible to get a mortgage, but you’ll need to speak to a mortgage adviser who will help with your application.
During your application, you will be assessed on your finances and will have to prove any proof of income, including evidence of your pension if you have one.
Although there may be restrictions and tougher policies when it comes to getting a mortgage later in life, it is still doable with the right financial advice and support.
Buy to Let Mortgages
A buy to let mortgage is for people who buy property as an investment, rather than your typical residential mortgage, which is for those wanting to live in the property, such as most first time buyers.
Buy to let mortgages are different to residential mortgages and there are certain criteria you must meet in order to get one. For example, the deposit on a buy to let mortgage is typically 25% of the purchase price which is considerably more than a residential mortgage.
Our team of mortgage brokers in Bournemouth have been helping new and experienced landlords navigate their way through buy to let mortgages.
Using our local knowledge and mortgage market expertise we will work with you to understand your existing portfolio no matter how large and small and work out the most suitable way for you to invest in buy to let properties in and around the Bournemouth area.
Mortgage Broker FAQ
Mortgages can typically be perplexing, and frustrating and there are typically a lot of queries, particularly from first-time buyers. We have responded to the following typical queries below to assist you.
Although some mortgage advisors might charge varying fees, to speak to a mortgage advisor at St Barts Finance it’s entirely free of charge for an initial appointment where we will see if we can better what you have been offered.
This appointment is no obligation and you will not be charged a dime.
Generally speaking, the answer is yes, a mortgage consultant can often get you a better mortgage offer, as they will have access to a wider range of products. That being said, this completely depends upon your existing circumstance.
Every mortgage application is unique and there are a variety of variables that determine whether or not you get the best mortgage deal possible, for instance, stability of payments and available deposits and savings.
You must get in touch with a mortgage specialist as soon as possible if you are intending on buying a property, as there are numerous factors involved in the mortgage application process and a dependable mortgage broker can help you with this.
In fact, whether you are buying a property or need guidance about something else related to mortgages, it’s also best to speak to a mortgage expert as early as possible.
When applying for a mortgage it’s preferable to speak with a mortgage broker instead of a bank as usually a mortgage broker can get you a better deal, as they have access to a wider range of products.
Also, as a lot of individuals don’t have straightforward mortgage applications, i.e. they have a poor credit score, a broker may be able to get you a mortgage despite this challenge.
Other Financial Services we Offer
Although we have a dependable team of mortgage consultants in Bournemouth, we also have a team that can assist with any concerns you may have about pensions, investments and insurance.
Whether you need advice on transferring a pension, arranging a new pension or maybe you want to open an investment ISA or purchase life insurance, we have the expertise and know-how to address your queries.
Here are a few other financial services we offer:
Book an Appointment with a Mortgage Broker
We are proud to be thought about as one of the most trusted mortgage advisers in Bournemouth and neighbouring areas. Although our main office resides in Bournemouth, we also have offices in Poole, Charminster, Salisbury, Southampton and Somerset.
If we do not have a branch in your area, we can provide video calls straight to your phone or PC or simply schedule a telephone call. To get your mortgage application rolling or for any other mortgage associated enquiries please connect with a mortgage consultant at St Barts Finance today. Simply give our team a call on 03300 562 210 or send an email to [email protected].
Alternatively, you can use the button just above to speak with a mortgage consultant or use our booking page to schedule a call.