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Mortgage Broker Woking
At St Barts Finance, we tailor each mortgage to meet the individual needs of our clients. We take the time to get to know you and your situation so that we can find a solution that works for you. As a mortgage broker in Woking, we have access to lenders throughout the area and can guarantee that you will receive the best possible rate when you refinance your home or take out a new mortgage.
St Barts Finance is here to help you achieve your financial goals. We offer a range of mortgages and other financial products to first-time homebuyers and experienced investors alike.
Let our mortgage experts help you
Our mortgage broker in Woking is one of the first places many people turn to when they’re looking for mortgage advice.
St Barts Finance is committed to providing the highest quality of service.
We are always ready to help, whether you are buying a home, refinancing an existing loan, or simply need some financial guidance.
We understand that different people have different needs and will work with each client individually to create an appropriate plan.
Our aim is to provide a service that meets our clients’ needs and expectations. We will succeed only if we give our customers the kind of service that we ourselves would expect and want to receive.
How can we help?
We pride ourselves on our mortgage services, which we offer throughout the Woking area, as well as throughout the UK.
We recognise that every family is unique and that you may have different mortgage needs than other families in your area.
That is why we will work with you individually to find a mortgage product that best fits your needs and financial situation. Some of the services we offer include:
Mortgages for First-Time-Buyers
If you’re finally in the position to start thinking about buying your first home, congratulations. Homeownership is no easy feat and for most, it marks an important milestone.
When it comes to purchasing a home, there are a lot of factors to consider. The most important perhaps is what type of mortgage you are going to get. As there are many different products and lenders out there, it can be difficult to decide who to go with.
At St Barts Finance, our mortgage brokers in Woking can help you through this process by walking you through each step and making sure you have all the information you need to make the best decision for yourself and your family.
If you are considering remortgaging your home in the Woking area, it is a good idea to enlist the services of a mortgage broker. A mortgage broker will be able to help you compare different lenders and find the best deal for your needs.
They will also assist with paperwork and make sure that the process goes smoothly. It is important to remember that when you are 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 in Woking, you can ensure that you are getting the best deal possible. Before beginning the remortgaging process, you should find out how much equity you have in your property.
This information will help determine what type of loan is right for your needs and give you an idea of what to expect.
Holiday Let Mortgages
As the name suggests, holiday let mortgages are specifically designed for properties that will be used as holiday rentals.
This type of mortgage has become increasingly popular in recent years due to several factors such as increased demand for staycations, sites such as Airbnb making it easier for individuals to list their properties for rent, and financial advantages over traditional buy-to-let mortgages.
While a holiday let mortgage can be an effective alternative to traditional buy-to-let mortgages, it does come with its own set of challenges.
First and foremost, it tends to be significantly more expensive than a traditional buy-to-let mortgage. Lenders perceive them to be a higher-risk investment, so you will need to factor in the cost of furniture and decoration when looking at this option.
Finally, when you’re buying a property to let out as holiday accommodation, it’s important to consider the running costs of the property, including electricity, gas and water bills.
To find out more about holiday let mortgages in Woking set up an appointment with a local mortgage broker today.
Buy To Let Mortgages
A buy-to-let mortgage is for people who buy property as an investment rather than to live in it themselves. Buy-to-let mortgages are different from residential mortgages because they have different criteria that must be met.
For example, the deposit on a buy-to-let mortgage is typically 25 percent of the purchase price, which is considerably more than for a residential mortgage.
Our team of Woking mortgage brokers can help new and experienced landlords navigate their way through buy-to-let mortgages.
By using our local knowledge and market expertise, we’ll work with you to understand your existing portfolio no matter how large or small and work out the most suitable way for you to invest in Woking.
Mortgage Capacity Report
For those going through a divorce or separation, it may be difficult to think about finances. However, it is important to understand your mortgage options and what kind of loan you will be able to qualify for afterwards.
A mortgage capacity assessment can help determine the maximum loan amount you will be able to qualify for following a divorce or separation. The assessor considers factors such as income, assets, liabilities, and credit history when determining your potential borrowing power.
At St Barts Finance, we offer a mortgage capacity report for just £195—competitively priced compared with our competitors.
For additional information on mortgage capacity reports, please schedule an appointment with one of our mortgage brokers in Woking. We will be happy to answer any questions you may have and help you make an informed decision about your finances.
Our mortgage brokers in Woking can help you get a commercial mortgage if you own a business. A commercial mortgage, also known as a business mortgage, is any loan secured on property which is not your residence.
These types of mortgages include buy-to-let mortgages, which are a special kind of business mortgage. If you would like to learn more about commercial mortgages, please speak to our mortgage specialists.
Book an Appointment
St Barts Finance is the UK’s leading mortgage brokerage firm. For more than ten years, we’ve been dedicated to helping our clients secure the right mortgage for their personal needs and financial goals.
Our team of specialists provides a personalised service that includes a broad range of services—including assistance with bad credit mortgages, mortgages for retirees, and more.
Our friendly and knowledgeable team are happy to meet with you in person or arrange a video call using our online scheduling tool. We offer appointments Monday through Friday from 9:00 am until 5:00 pm.