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St Barts Finance LTD is an appointed representative of The Openwork Partnership Limited, which is authorised and regulated by the Financial Conduct Authority

All our Advisers are FCA regulated and fully qualified.

Fully GDPR compliant and GUARANTEED quality advice

We are part of one of the UK’s largest Financial Services Nerworks:

We are part of one of the UK’s largest Financial Services Nerworks:

Mortgage Broker in Salisbury

At St. Bart’s Finance, we understand that every customer has unique circumstances. That’s why we take the time to get to know each of our clients and their specific needs. As a mortgage broker in Salisbury, we will work with you to find the best possible solution for your mortgage or refinancing needs. 

Whether you’re a first-time homebuyer or an experienced investor, we can help you achieve your financial goals. Call us today on 03300 562 218 or send an email to [email protected] to get started. We look forward to helping you reach your financial goals. 

If you want to speak with a mortgage broker in Salisbury directly, please use our online booking system or the button just above to book an appointment.

Mortgage Advisor Bournemouth

Let us help you find the perfect mortgage in Salisbury

When it comes to making financial decisions, you want to work with a company you can trust. That’s why our mortgage broker in Salisbury is one of the first places many people turn to when they’re looking to buy or sell a home. 

We pride ourselves on being able to provide comprehensive guidance in all aspects of financial planning, from mortgages and pensions to insurance and investments.

Our number one priority is always customer satisfaction.

Our knowledgeable and friendly staff will take the time to understand your unique needs and goals, and then work tirelessly to find the best financial solution for you.

So if you’re looking for sound advice and superior service, St Barts Finance is the right choice for you.

SPEAK TO A MORTGAGE BROKER IN SALISBURY TODAY

Our Salisbury Mortgage Solutions

We are proud to offer our mortgage services in Salisbury and throughout other areas in the UK. We know that every family wants the best for their future, and we are committed to helping you make the right choices for your mortgage.

We will work with you individually to find the right mortgage product for your needs and current financial situation. Here are a few of our mortgage services:

Holiday Let Mortgages

In recent years, there has been a growing trend of holiday let mortgages. As the name suggests, these are mortgages that are specifically designed for properties that will be used as holiday rentals. 

There are several reasons for the popularity of this type of mortgage. First, there is an increased demand for staycations, as more and more people are looking to holiday within the UK.

Secondly, sites such as Airbnb have made it easier for individuals to list their properties for rent. And finally, the financial advantages of holiday let mortgages can be far more lucrative than traditional buy-to-let mortgages.

However, it’s important to note that holiday let mortgages also come with their own unique set of challenges. First and foremost, they tend to be significantly more expensive than traditional buy-to-let mortgages. 

This is because lenders perceive them to be a higher-risk investment. Additionally, you will need to factor in the cost of furniture and decoration, as most holiday rental properties are expected to be furnished and decorated to a high standard. 

Finally, you will need to consider the overall running costs of the property, as electricity, gas and water bills can add up quickly when you have multiple guests staying in your property. To learn more about holiday let mortgages, book an appointment with a mortgage broker in Salisbury now. 

Holiday Let Mortgages

First-Time Buyer Mortgages

Homeownership is a dream for many people. It represents stability, success, and a bright future. For some, it may also be the culmination of years of hard work and saving.

If you’re finally in a position to purchase your first home, congratulations! This is a huge accomplishment. However, it’s also important to remember that there are many factors to consider before taking the plunge.

In addition to things like location and budget, you’ll also need to think about things like getting a mortgage and maintaining the property. But don’t worry – we’re here to help.

We’ll get a mortgage broker in Salisbury to walk you through the process and make sure you have all the information you need to make the best decision for yourself and your family.

Remortgaging

If you’re considering remortgaging your home, it’s a good idea to enlist the services of a mortgage broker in Salisbury. They will be able to help you compare different lenders and find the best deal for your needs. They will also be able to assist with the paperwork and make sure that the process goes smoothly. 

It’s important to remember that when you’re applying for a new mortgage, there may be specific requirements or features available from lenders depending on the type of property being financed. By working with a mortgage broker, you can be sure that you’re getting the best deal possible.

Before beginning the remortgaging process, you’ll want to find out how much equity you have in your property. This information will help you determine the best type of loan for your needs and give you an idea of what to expect.

Equity is the portion of your home’s value that you actually own; it’s calculated by subtracting any outstanding mortgage or loan balance from the property’s appraised value. Book an appointment with a mortgage broker in Salisbury today.

Commercial Mortgage Broker pointing at a property, Mortgage Advisor in Swindon

Commercial Mortgages

Taking out a commercial mortgage can be a great way to finance the purchase of property for your business. Our team of professional mortgage brokers in Salisbury can help you find the right loan for your needs.

A typical example of a situation where a commercial mortgage would be useful is if you are looking to buy land or buildings to use as your own workspace. 

This type of financing can help you with the purchase of the property so that you can get started on your business venture. 

A commercial mortgage is any type of loan secured on property which is not your residence. This includes buy-to-lets, offices, warehouses, and retail premises. Commercial mortgages typically have higher interest rates than residential mortgages, and they also involve more complicated application processes. 

Contact a mortgage broker in Salisbury today to learn more about how we can help you with your commercial mortgage needs.

Mortgage Capacity Report

Going through a divorce or separation can be a difficult and emotionally draining experience. One of the last things you want to worry about is your financial situation.

However, if you own a home, it is important to understand your mortgage options and what kind of loan you will be able to qualify for after the divorce or separation is final. 

This is where a mortgage capacity assessment comes in. A mortgage capacity assessment involves a thorough investigation into the type of mortgage and amount an individual may be able to borrow after a divorce or separation.

The assessor will consider factors such as income, assets, liabilities, and credit history in order to determine the maximum loan amount that you will be able to qualify for. 

At St Barts Finance, we can produce a mortgage capacity report for just £195, which you will find is lower than our competitors.

For more information on mortgage capacity assessments please book an appointment today with one of our mortgage experts. We look forward to helping you make the right decision for your financial future.

Example of a Mortgage Capacity Assessment

Equity Release

 

Equity release is the ability to access the equity (cash) which you may have within an asset such as your house. Essentially, it’s a way of taking out cash from the value of your home. 

This is a popular option for a lot of individuals who may need to relieve some financial pressure and for older people who may need some additional funds during retirement.

However, there are certain risks associated with equity release that you should be aware of before making a decision.

For example, if you take out an equity release on your home, you may end up owing more money than what your house is actually worth. This could pose a problem if you need to sell your house in the future.

Additionally, equity release schemes can be expensive and they may come with high-interest rates. 

Before considering equity release, it’s important to speak to a financial advisor to discuss all of your options and to ensure that it’s the right decision for you.

Book an Appointment

The team at St Barts Finance can help you find a mortgage that meets your needs. We are Salisbury’s go-to mortgage broker. With our expertise in the financial industry, we will ensure that you get the best possible deal for your mortgage.

We can help you with all your mortgage needs, from helping first-time home buyers purchase their first property to helping landlords who want to refinance. We can also help with mortgages for bad credit as well as mortgages in retirement, so come visit our local Salisbury branch today!

If you’re unable to meet with us in person, we can arrange a video call straight to your phone or PC. Our team is available Monday through Friday, 9:00am-5:00pm.

To book an appointment with one of our specialists, please call 03300 562 218 or send an email to [email protected]. You can also schedule an appointment online.

Mortgages & Pension Team Working in Head Office, Financial Advisor in Poole, Financial Adviser Southampton
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