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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:

A Mortgage Broker Southampton Locals Can Trust

If you’re looking for a mortgage broker in Southampton you can trust, then look no further. When it comes to finding a mortgage that suits your individual need, it’s important to work with a team of experts who you can depend on.

St Barts Finance has been serving the local community since 2009, and our team is committed to providing honest and friendly advice. 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 a property, don’t hesitate any longer – call us today on 03300 562 218 or send an email to [email protected]. We look forward to helping you achieve your financial goals!

You can also use the button above if you want to speak with one of our advisers now!

Financial Adviser in Salisbury, Mortgage Advice in Salisbury, St Barts Finance Salisbury

Expert Mortgage Advice in Southampton

We know that planning for your financial future is important, which makes us 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, insurance and investments.

Your satisfaction is our number one priority. Our knowledgeable and friendly staff will help you find the right mortgage for your needs, no matter what they are!

The mortgage brokers at our company work hard to understand your needs and make sure you’re getting the best possible deal.

They have previously worked in high street banks and building societies like Halifax, HSBC, Nationwide and Virgin Money but now they get additional certification from our compliance network – The Openwork Partnership so that no matter what circumstance or situation you’re in, we have the knowledge and experience to deal with it.

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A Range of Mortgage Services in Southampton

We are proud to provide our clients with a vast range of mortgage services in Southampton, and also throughout the entire United Kingdom. We can assist you individually based on your needs and current financial situation so please contact us for more information!

We all want the best for our families and we know that home ownership can be a long-term investment. If you are looking into buying your first house, remortgaging to release equity from an existing property or simply need some advice on what mortgage is right for you then give one of our brokers a call today!

Here are just some of the mortgage services we offer:

First-Time Buyers in Southampton

Finally, you’re in the position to be able to purchase your first home! This is an exciting time and can really help set things up for long-term success. However, it may also seem frustrating or confusing at times because there are so many factors involved with applying – but don’t worry; we’ve got you covered. 

We’re here to help you find the best mortgage for your needs. Our mortgage brokers are experts in first-time buyer mortgages, so stop worrying about your mortgage application and start feeling confident that we will work hard on finding an option tailored just right for YOU!

Want to know how much your monthly payments will be? Our handy mortgage calculator can give you an idea.

Couple celebrating buying their first home

Remortgaging Advice

Our mortgage brokers can help you remortgage your home with ease. Not only will they make sure that the process goes smoothly, but it’s important to work in tandem when applying for any new mortgage as there may be specific requirements or features available from lenders according to what type of property is being financed!

To get the ball rolling on your remortgaging application, you may wish to first discover how much equity you have in your current property. This will allow for a better idea of what kind of loan would work best with what amount is available and also give an estimate as well so there are no surprises later down the line!

Please book an appointment with us if you have any more questions. We also provide a helpful guide that might answer your queries!

Commercial Mortgages

With our professional team of mortgage brokers in Southampton, you can take out a commercial mortgage to buy property for your business. A typical example would be if an entrepreneur was looking at purchasing some land or buildings from which they might want to make their own workspace – this type of financing could help them with that purchase!

Commercial mortgages can be any type of loan secured on property which is not your residence, including buy-to-lets If you would like to learn more details about commercial mortgage lending practices and rates please contact our commercial mortgage specialists today!

Mortgage Broker Southampton

Equity Release

What is 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 of course disadvantages to equity release so it may not be the best option for you.

It’s always best to speak with a mortgage specialist to help you weigh up your options so you can make an informed decision.

Mortgage Capacity Assessment

Are you recently divorced or going through a separation? If so, you might require a mortgage capacity assessment. 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. 

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 constructed by a specialist. 

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.

Otherwise, you can request a mortgage capacity report from our mortgage advisers online.

Example of a Mortgage Capacity Assessment

Holiday Let Mortgages

Holiday let mortgages are becoming increasingly popular due to the rising demand for staycations and sites such as Airbnb making it easier for individuals to let out their properties in order to earn an extra income. 

The financial advantages of holiday let mortgages can be far more lucrative when compared to a traditional buy-to-let mortgage, but this doesn’t come without its problems.

Firstly, the criteria for a holiday let mortgage can be vastly different and the required down payment can often be more expensive, but this of course does depend on which lender you use. 

Secondly, as the HMRC classes holiday lets as a business, you will need to ensure that you invest enough time and money into it that you’re able to let out your property for at least 105 days of the year. This will ensure you can take advantage of holiday let tax benefits. 

Furthermore, holiday let mortgages are deemed far riskier than buy-to-lets due to the uncertainty in rental income. This is why holiday let mortgage applications are more complex and difficult to approve.

But don’t worry! The mortgage experts at St Barts Finance are here to help you.

Getting a mortgage in retirement

Retiring and looking to buy a home? You might have heard the common misconception that you can’t get your hands on a mortgage if you stop working. But don’t worry, there’s still hope! All it takes is speaking with one of our experts who will guide you through every step in getting approved for your dream purchase. 

As with any mortgage application, you will be thoroughly assessed on your finances and will have to prove any proof of income, this also includes evidence of any pension plan you have in place and any existing assets. 

Despite the fact that applying for a mortgage in retirement is a lot more complex due to restrictions and stricter policies, it’s not impossible with the right financial advice.

What Is Capital Gains Tax, Self Employed Pension Advice

Mortgage Broker Information

Mortgages can be a complex and confusing topic, especially for first-time buyers. There are a lot of questions that come up, and it can be difficult to know where to start.

We’ve compiled a list of some of the most common questions below, along with our responses.

Book an Appointment

Whatever your mortgage requirements are, you can bet that our specialist team at St Barts Finance have the experience and know-how to help you. We are the go-to mortgage broker Southampton locals can depend on. With over 13 years of experience in the financial industry, we have helped a wide range of clients solve their mortgage queries. 

From helping people buy their very first home and helping landlords refinance to dealing with more complex cases such as bad credit mortgages and mortgages in retirement, we can do it all! Why not pop down to our local Southampton branch and come and speak with us today.

If you’re unable to meet with us face-to-face, we can arrange a video call straight to your phone or PC or alternatively schedule a telephone call. 

Get in touch with us today by calling our team on 03300 562 218 or send us an email at [email protected].

You can also book an appointment online here.

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