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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 Poole

If you’re looking for a mortgage broker Poole residents can depend on, then look no further than St Barts Finance. 

As one of the leading mortgage brokers in Poole and surrounding Bournemouth areas, at St Barts Finance, we are committed to providing our customers with 100% honesty and transparency when it comes to their mortgages. 

The need to purchase property is becoming increasingly more popular, due to the rise in house prices, individuals are wanting to buy property as soon as they can as who knows how much it will cost 10 years from now. 

Our mortgage advisors at St Barts Finance can help you if you need honest, helpful, and friendly advice about mortgages. Talk to our team today by calling us on 03300 562 210 or send an email to [email protected].

Alternatively, use the button above to speak with a mortgage adviser or our booking page to set up a meeting.

Mortgage Advisor Bournemouth

A Mortgage Broker Poole can Trust

We know it can be difficult to find a mortgage broker or financial adviser you can trust, as there are so many options available. However, St Barts Finance was established in 2009, and still to this day, we provide a service like no other. 

Our company is committed to fantastic customer support. We have knowledgeable, friendly and experienced mortgage advisors that can tailor to your needs and please note that nothing is too much hassle for them.

Many of our mortgage specialists worked previously for high-street banks and building societies like HSBC, Nationwide, Halifax, Nationwide, and Virgin Money.

They continue to improve their knowledge through additional certifications and training courses provided by The Openwork Partnership, our compliance network.

Although we do offer reliable mortgage services throughout the UK, our team are also experienced in a range of different financial services, such as pensions, investments and insurance. 

In fact, our business is actually split into two departments – Mortgage & Protection and Investment & Pension. This was done as it’s difficult to specialise in everything, so we want to want to ensure that our advice is excellent, not average.

SPEAK TO A MORTGAGE BROKER TODAY

Some of the Mortgage Services we Offer

Whatever your mortgage needs are, we have a highly skilled team available to assist you. We are proud to offer our clients a wide range of mortgage options, not only in Poole but across the entire UK. 

Here is where our branches are: 

  • Poole
  • Bournemouth
  • Charminster
  • Salisbury
  • Southampton
  • Somerset

If we don’t have a branch near you, no worries. We are more than happy to arrange a call with you to see how we can help. Our mortgage consultants are available to assist you individually, based on your current situation and needs.

Here are some of our most popular mortgage services: 

Mortgage Advice for First-time Buyers

Bad Credit Mortgages

Help to Buy

Remortgaging

Our Poole mortgage brokers can help you find the best products if you are thinking of remortgaging. Although remortgaging is not a difficult process as it essentially involves changing your existing mortgage to one that’s new, it is important to seek the advice of an expert to make sure your application goes smoothly.

Before deciding whether or not you want to remortgage your property, it’s very important to fully understand the process, what the benefits are and also the potential impact it may have.

Our mortgage advisors are happy to provide you with this information, although we do have this helpful remortgaging guide that might help clear a few things up. 

Sometimes it can also be useful to find out the value of your property, as it will give you a rough idea of how much equity you have. It’s best to speak with a specialist for this or you can use an online valuation tool such as Zoopla, but please note that this is just an estimate. 

Mortgage Broker Poole

Mortgages in Retirement

If you ask the majority of people, they will tell you that it’s impossible to get a mortgage in retirement. However, this is actually far from the truth. It’s entirely possible to still get a mortgage if you are retired, but there are a few important things you need to do in order to get one.

Your financial situation will be thoroughly assessed and you will need to prove your income; even if you are receiving a pension. This is important as lenders will want to know if you have the funds available to pay back your mortgage. 

If you have retired recently and want to get a mortgage, please book an appointment with one of our mortgage advisors today. 

Bad Credit Mortgages

Can you get a mortgage with a poor credit score?

To answer this simply…yes! Having a poor credit score isn’t the be-all and end-all when it comes to being approved for a mortgage. There are numerous factors involved such as your debt-to-income ratio, your down payment and your proof of employment. 

With that being said, if you’re credit score is poor, we recommend seeking professional advice on how to improve it, as generally speaking, the higher your score, the more likely it is you’ll be approved for a mortgage and the better your interest rate will be.

If you don’t know what your credit score is, we recommend opening an account with Experian, this is what most lenders will look at when running a credit history check. 

If you have bad credit history and still want to get a mortgage, feel free to get in touch with a mortgage advisor at St Barts Finance today. 

First-time Buyers

The property market is booming and there’s never been a better time to get your foot on the property ladder. In Poole and Bournemouth in particular, property prices are continuing to rise due to the high demand and the amazing location. 

Unfortunately, although many individuals are desperate to get on the property ladder, the price of a property is very expensive and if you’re a first-time buyer, it can be very difficult. If you are one of the lucky ones and you’re in the position of being able to buy a property, we encourage you to seek advice from a mortgage adviser. 

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 first-time buyer applications. We will ensure that you get trustworthy and honest mortgage guidance.

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.

Couple getting the keys to their new house

Mortgage Capacity Report

A mortgage capacity report provides detailed information about the likelihood of you getting a mortgage after a divorce or separation, as well as how much you could borrow. 

This report is often requested by courts for financial divisions of assets, so It is important that the report is reliable and deemed credible. St Barts Finance has a team that is experienced in handling reports and mortgage capacity assessments. You can even request a mortgage capacity report online

Here is a sample report that you can check out if you need more information.

Example of a Mortgage Capacity Assessment

Buy to Let Mortgages in Poole

Buy-to-let mortgages are for investors who buy property as an investment. This mortgage is not the same type as a residential mortgage, which is intended for homeowners who wish to live in the property.

There are many key differences between residential and buy-to-let mortgages. The main difference is the amount of deposit required. While it is possible to move up the property ladder by putting down only 5%, you will need to deposit at least 25% for a buy-to-let mortgage.

Our Poole-based team of mortgage advisors are experienced and has helped many landlords to get their mortgages. We can help you understand your current portfolio, no matter how big or small, and help you invest in property with minimal fuss.

Mortgage Advisor Poole, Mortgage Advisor Basingstoke

Other Financial Services in Poole

Although our amazing team at St Barts Finance love dealing with mortgage cases, particularly the more complex ones, they equally enjoy helping clients with other areas of finance, such as pensions, investments and insurance. 

We have a range of financial services in Poole and surrounding Bournemouth areas that can help you with any questions you may have.

Some of our popular financial services include: 

  • Pension Transfer
  • Pension & Divorce
  • Auto Enrolment
  • Retirement Planning
  • ISA’S
  • OEIC’S
  • Investment Trusts
  • Income Protection
  • Life Insurance
  • Critical Illness

Mortgage Advice FAQ

Since our company started in 2009, we have literally seen and heard it all. Our experienced team of mortgage brokers have dealt with a wide variety of cases and many of them use to work with high street banks and building societies, equipping them with a high level of knowledge.

As one of Bournemouth and Poole’s leading mortgage advisors, we love to help our clients as much as possible, So we thought it would be helpful to answer a few of the most common questions about mortgages.

Speak With a Mortgage Broker Today

We are proud to be considered as one of the most trusted mortgage brokers in Poole and neighbouring locations. Although our headquarters resides in Bournemouth, we also have branches in Poole, Charminster, Salisbury, Southampton and Somerset.

If we do not have an office in your area, we can provide video calls directly to your phone or PC or simply set up a phone call.

To get your mortgage application rolling or for any other mortgage-related enquiries please do not hesitate to connect with a mortgage adviser at St Barts Finance today. 

Simply give our team a call on 03300 562 210 or send an email to [email protected].

As an alternative, you can use the button just above to talk to a mortgage advisor or use our booking page to set up a call.

Mortgage Advisor on the phone
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