Just a few clicks and you will be able to speak to a fully qualified, regulated
Adviser, from one of the UK’s largest Financial Services Networks.
Mortgage Broker in Winchester
Whether you’re looking for a mortgage broker in Winchester or the surrounding areas, St Barts Finance is your premier source for honest, personalised service. We’ve been helping the local community since 2009 and our team of experts will work with you to find a mortgage that suits your individual needs.
We understand that every customer has unique circumstances, and we’ll work with you to find the best possible solution. If you’re considering buying or refinancing property, don’t hesitate any longer – call us today on 03300 562 218 or send an email to [email protected].
The button above will also connect you with one of our advisers.
Specialist Mortgage Advice in Winchester
We know that planning for your financial future is an important part of life, which is why we are thought of as one of the first places many people go when they’re looking to buy or sell a home. We pride ourselves on being able to provide guidance not only with mortgages but also in other aspects like pensions and investments.
We are committed to helping you find the right mortgage for your needs. Our knowledgeable and friendly staff will take the time to learn about you, your financial goals, and how we can help you achieve them.
Our mortgage brokers are highly trained and qualified experts who work hard to understand your needs and ensure you receive the best possible deal.
They previously worked in banks and building societies such as Halifax, HSBC, Nationwide and Virgin Money but now they get additional certification from our compliance network – The Openwork Partnership.
This means you can trust them to find a solution for any situation or circumstance you’re in.
Our Mortgage Services in Winchester
We provide our clients with a vast range of mortgage services in Winchester and throughout the entire United Kingdom. We will work with you individually to assess your current financial situation and assist you with finding the right mortgage product for your needs.
If you are considering buying your first home, refinancing your existing mortgage or simply need some advice on the best mortgage product for your needs, then call one of our experienced mortgage specialists today!
First-time home buyers in Winchester
Purchasing your first home can be a thrilling experience, but it can also be frustrating or confusing because of all the factors involved with applying for a mortgage. Don’t worry; we’ve got you covered.
We’re here to help you find a mortgage solution. Our brokers have experience in finding mortgages for first-time buyers, so stop worrying about your application and feel confident that we will work hard to find an option tailored just for you!
Try out our mortgage calculator which can give you an estimate of what your monthly payments will be.
Advice on Remortgaging
Mortgage brokers can help you remortgage your home with ease. Having a mortgage broker on your side means taking advantage of all the services he or she offers, including making sure that the application process goes smoothly and that you’re aware of any requirements or special features available from lenders for different types of properties
To begin your remortgaging application, start by finding out the amount of equity you have in your current property. This will allow you to make an informed decision about the type of loan that’s right for you and also give you an idea of what to expect later down the line.
If you have any additional questions, please feel free to contact us at your convenience. Helpful information can be found in our remortgaging guide, which has been compiled by our team of experts.
Our team of Winchester mortgage brokers can help you take out a commercial mortgage to buy property for your business.
For example, if an entrepreneur is looking at purchasing some land or buildings from which they might want to make their own workspace—such as a workshop or office—this type of financing could help them with that purchase!
Commercial mortgages are specialised loans that can be used to finance a property other than your primary residence, such as a buy-to-let.
If you would like to learn more details about commercial mortgage lending practices and rates, please contact our mortgage brokers in Winchester today!
Holiday Let Mortgages
Did you know that in 2021 roughly 84% of brits planned a staycation holiday in the UK? Although the increased demand for staycations was largely due to covid restrictions, you’d be wrong to assume that in 2022 this demand would drastically reduce. In fact, according to Holiday Cottages, the demand for UK staycations remains strong in 2022.
Due to this demand, holiday let mortgage applications have increased significantly due to the growing popularity of staycations in the UK. An increasing number of investors plan to buy holiday homes in coastal and holiday hotspots around the UK, which can provide a useful second income and have special tax advantages if they are rented out as furnished holiday lettings in the UK.
A holiday-let mortgage can be a lucrative investment, but you’ll need to be aware of its drawbacks. First, the criteria for a holiday-let mortgage can be more stringent than those for a traditional buy-to-let mortgage; you may have to pay a higher deposit, for example.
In addition, as the HMRC classifies holiday letting as a business, you will need to invest enough time and money into it so that you can let out your property for at least 105 days of the year. This will enable you to take advantage of tax benefits.
Finally, holiday let mortgages are riskier than buy-to-let mortgages because of the uncertainty surrounding rental income. This makes holiday let mortgage applications more difficult to approve and can take longer than buy-to-let applications. However, if you choose St Barts Finance as your mortgage provider, you can be sure that we’ll guide you through the application process with ease.
What is equity release?
Equity release is a way of accessing the equity in an asset such as your home.
It’s a popular option for people who need to relieve some financial pressure, or for retirees who need additional funds.
It’s always best to speak with a mortgage specialist to help you weigh up your options so you can make an informed decision.
Why choose equity release?
Equity release is a flexible way to access cash from the value of your home. You can use it to renovate or refurbish your home, top up your retirement income, pay for care home fees or private medical bills, help your children and grandchildren with house deposits, weddings or other major events, manage your estate, wealth, and tax planning in the future, pay off an outstanding mortgage or for leisure interests such as a new car or holiday abroad.
There are many things you can do with equity release, which makes it a very popular choice. Speak to a mortgage broker at St Barts Finance today to discuss your equity release options.
Mortgage Capacity Assessment
Individuals who are recently divorced or going through a separation may require a mortgage capacity assessment to determine their eligibility for a mortgage. A mortgage capacity assessment is typically completed by an independent professional and includes an investigation into the type of mortgage that is most appropriate for the individual.
This is something that is usually requested by the courts when deciding on the split of financial assets. As this is a very important legal document, it’s essential that it’s put together by a professional.
St Barts Finance offers mortgage capacity reports from just £195, which is lower than our competitors’ prices. To learn more about this service and to schedule an appointment with one of our mortgage experts, please contact us today.
Schedule an appointment with a Winchester mortgage broker to discuss your needs.
We are the go-to Winchester mortgage broker for those with specific mortgage requirements. With over 13 years of experience in the financial sector, we have helped many clients solve their mortgage queries.
We offer a range of mortgage products, from first-time buyer mortgages to those designed with landlords in mind. We would be happy to help you find the right home loan for your needs—speak with one of our helpful mortgage advisors today.
If you are unable to meet with us in person, we can arrange a video call using your PC or smartphone or schedule a telephone meeting.
For more information, please call our team on 03300 562 218 or email us at [email protected]. You can also book an appointment online here.