Mortgages

There are a lot of different terms thrown at you from the second you start looking at mortgages: fixed rate, variable rate, repayment mortgage, interest-only, mortgage term, deposit, loan-to-value – and this is all jargon people expect you to already understand.

Not to mention the fact that you might not know much about the home buying process in general. How long does it take? What other services do you have to pay for? Who do you pay your deposit to? How much do you need in deposit?

You don’t have to figure it all out by yourself. Barnells provide mortgage advice helping you at every stage of the application process. But that’s not all we do.

We will guide you through the entire home buying journey. We find you the right mortgage, fill out and manage the application, liaise with the lender, arrange the insurance, and refer you to a solicitor.

Upsizing, downsizing, raising a family, changing jobs, or pursuing your dream of living in the country – there are lots of reasons why you might decide to move home.

We provide a speedy but smooth service, focused on ensuring your mortgage works perfectly for your individual circumstances.

Moreover, we really look after you and will keep you updated and informed throughout the process – because juggling work, family and having a life is hard enough.

Fancy taking advantage of new rates and products? Of course, you do. Perhaps you just want to change lenders or need a mortgage that works better with your new or changing life circumstances?

Remortgaging can help you save money, adapt your existing home, raise money, or consolidate debts. It’s not always easy to do if you want to borrow a small amount, have become self-employed or need to borrow a high percentage of your property’s value. We’re here to provide you with reassuringly professional advice, whilst finding you the perfect mortgage for your unique situation and objectives.

Whether you’re a first-time landlord, adding to your portfolio, or thinking about renting out your current home, you’ll need to obtain a Buy-to-Let mortgage.

Successfully owning properties for commercial gain relies on having a professional and well thought out strategy for purchasing the properties and managing finance.

Our job here at Barnells is to maintain and review the financing of your portfolio on a regular basis, to keep you updated with competitive deals in the ever-changing market and to work closely with you when the time comes to refinance.

Products change at short notice and mortgage providers have strict criteria in terms of who they will lend to and how much they will provide. We give you specialist advice so that you can make an informed decision on the solution that suits your needs and preferences.

Most Buy-to-Let mortgages are not regulated by the Financial Conduct Authority.