Buying A Home

BUYING YOUR FIRST HOME

BUYING YOUR FIRST HOME

BUYING YOUR FIRST HOME

BUYING YOUR FIRST HOME

Expert mortgage solutions to help you buy your first home

Expert mortgage solutions to help you buy your first home

Expert mortgage solutions to help you buy your first home

5 minutes

5 minutes

5 minutes

5 minutes

to read

to read

to read

to read

Thursday 19 December 2024

Thursday 19 December 2024

Thursday 19 December 2024

Thursday 19 December 2024

At Barrett Mortgages, we’re not just a professional Finance Broker; we’re your partner in navigating the complex world of mortgages and insurance. Based in Poole, Dorset, we pride ourselves on offering tailored solutions for a wide range of financial needs. Whether you’re a first-time buyer, self-employed, looking for a buy-to-let mortgage, seeking a remortgage, or in need of insurance products, Barrett Mortgages provides expert guidance and access to a preferred selection of reputable industry leaders.

A Personal Touch in a Competitive Industry

Founded in 2009 by Darren Barrett, Barrett Mortgages was born out of frustration with the high-pressure sales tactics of large corporations. Darren’s vision was to create a brokerage that prioritises clear, honest, and upfront communication during one of the most challenging market periods in the industry’s history. That vision has become a reality—our unparalleled service has helped us thrive, even in tough times, by providing the individual and specialist support our clients need.

What Sets Us Apart

Our team of fully qualified and experienced professionals shares a commitment to making your mortgage journey as smooth as possible. We’ve built a strong reputation for:

  • Trustworthiness: We focus on transparency and integrity in every interaction.

  • Client-Centric Service: We listen to your unique needs and tailor our advice accordingly.

  • No Pushy Sales Tactics: We promise a pressure-free environment, ensuring you feel confident and informed every step of the way.

Comprehensive Support for First-Time Buyers

We understand that buying your first home can feel overwhelming. That’s why we’re here to make the process as seamless as possible. At Barrett Mortgages, we handle all the paperwork, research the market, and provide a detailed recommendation backed by our years of market and lender knowledge. From the very beginning, right up until you get the keys to your new home, we guide you through every step of the journey.

Our expert team advises on all varying elements, including issues arising around the application, surveyors, solicitor queries, and protecting your property and income with relevant insurances. All the while, we adhere to our principles of keeping our advice informative, accurate, and specific to your needs—never pushy.

Forward-Thinking Advice Tailored to Your Future

Thanks to our years of experience, we understand that it’s not only the current market and your financial situation that matters—it’s also what could potentially happen in the future. Our industry expertise allows us to anticipate changes and ensure that our advice is suitable not just for your present needs but also aligned with your long-term goals. By looking ahead, we craft recommendations that fit seamlessly with your future aspirations, providing a foundation of financial stability and confidence.

Helping You Navigate Additional Costs and Industry Jargon

We know that moving involves more than just securing a mortgage. That’s why we talk through the additional costs of moving, ensuring you’re prepared for expenses such as legal fees, surveys, and insurance. To make the process even easier, we provide a range of tools on our website specifically designed to help first-time buyers make informed choices.

Our resources and expertise extend beyond mortgages. We help you understand the terminology and jargon often used by surveyors, solicitors, and estate agents. Having a mortgage advisor like Barrett Mortgages on your side to clarify these points ensures our clients feel confident and informed throughout the process.

One Key Piece of Advice for First-Time Buyers

There’s plenty of advice we could share with first-time buyers, but one crucial piece stands out: don’t just consider the now—think about the future. While the future is uncertain, making decisions about your mortgage with long-term goals in mind is essential.

For instance, consider options such as overpaying your mortgage when you have surplus income or taking a longer term if it suits your financial situation. Look into the history of your chosen lender—they might offer a rate that’s 0.1% cheaper, but do they have a track record of offering competitive product switch rates at the end of the term? Do they allow consent to let if your career or lifestyle takes you on a work adventure across the country or the world?

Sometimes, discussing your future goals with your advisor can help them tailor recommendations to ensure you avoid unforeseen costs or headaches further down the road.

A Reputation Built on Referrals

The trust and satisfaction of our clients are at the heart of our business. Much of our success stems from referrals, a testament to the relationships we build and the value we deliver. We aim to exceed expectations, knowing that our reputation relies on your experience with us.

Why Choose Barrett Mortgages?

Whether you’re buying your first home, expanding your property portfolio, or simply looking for better financial options, we’re here to help. Our mission is to simplify the process, answer your questions, and provide the expertise you need to make informed decisions.

We invite you to explore our website to learn more about our services. Should you have any questions or require assistance, don’t hesitate to contact us. Let’s start the conversation about how Barrett Mortgages can make a difference in your financial journey.

At Barrett Mortgages, we’re not just a professional Finance Broker; we’re your partner in navigating the complex world of mortgages and insurance. Based in Poole, Dorset, we pride ourselves on offering tailored solutions for a wide range of financial needs. Whether you’re a first-time buyer, self-employed, looking for a buy-to-let mortgage, seeking a remortgage, or in need of insurance products, Barrett Mortgages provides expert guidance and access to a preferred selection of reputable industry leaders.

A Personal Touch in a Competitive Industry

Founded in 2009 by Darren Barrett, Barrett Mortgages was born out of frustration with the high-pressure sales tactics of large corporations. Darren’s vision was to create a brokerage that prioritises clear, honest, and upfront communication during one of the most challenging market periods in the industry’s history. That vision has become a reality—our unparalleled service has helped us thrive, even in tough times, by providing the individual and specialist support our clients need.

What Sets Us Apart

Our team of fully qualified and experienced professionals shares a commitment to making your mortgage journey as smooth as possible. We’ve built a strong reputation for:

  • Trustworthiness: We focus on transparency and integrity in every interaction.

  • Client-Centric Service: We listen to your unique needs and tailor our advice accordingly.

  • No Pushy Sales Tactics: We promise a pressure-free environment, ensuring you feel confident and informed every step of the way.

Comprehensive Support for First-Time Buyers

We understand that buying your first home can feel overwhelming. That’s why we’re here to make the process as seamless as possible. At Barrett Mortgages, we handle all the paperwork, research the market, and provide a detailed recommendation backed by our years of market and lender knowledge. From the very beginning, right up until you get the keys to your new home, we guide you through every step of the journey.

Our expert team advises on all varying elements, including issues arising around the application, surveyors, solicitor queries, and protecting your property and income with relevant insurances. All the while, we adhere to our principles of keeping our advice informative, accurate, and specific to your needs—never pushy.

Forward-Thinking Advice Tailored to Your Future

Thanks to our years of experience, we understand that it’s not only the current market and your financial situation that matters—it’s also what could potentially happen in the future. Our industry expertise allows us to anticipate changes and ensure that our advice is suitable not just for your present needs but also aligned with your long-term goals. By looking ahead, we craft recommendations that fit seamlessly with your future aspirations, providing a foundation of financial stability and confidence.

Helping You Navigate Additional Costs and Industry Jargon

We know that moving involves more than just securing a mortgage. That’s why we talk through the additional costs of moving, ensuring you’re prepared for expenses such as legal fees, surveys, and insurance. To make the process even easier, we provide a range of tools on our website specifically designed to help first-time buyers make informed choices.

Our resources and expertise extend beyond mortgages. We help you understand the terminology and jargon often used by surveyors, solicitors, and estate agents. Having a mortgage advisor like Barrett Mortgages on your side to clarify these points ensures our clients feel confident and informed throughout the process.

One Key Piece of Advice for First-Time Buyers

There’s plenty of advice we could share with first-time buyers, but one crucial piece stands out: don’t just consider the now—think about the future. While the future is uncertain, making decisions about your mortgage with long-term goals in mind is essential.

For instance, consider options such as overpaying your mortgage when you have surplus income or taking a longer term if it suits your financial situation. Look into the history of your chosen lender—they might offer a rate that’s 0.1% cheaper, but do they have a track record of offering competitive product switch rates at the end of the term? Do they allow consent to let if your career or lifestyle takes you on a work adventure across the country or the world?

Sometimes, discussing your future goals with your advisor can help them tailor recommendations to ensure you avoid unforeseen costs or headaches further down the road.

A Reputation Built on Referrals

The trust and satisfaction of our clients are at the heart of our business. Much of our success stems from referrals, a testament to the relationships we build and the value we deliver. We aim to exceed expectations, knowing that our reputation relies on your experience with us.

Why Choose Barrett Mortgages?

Whether you’re buying your first home, expanding your property portfolio, or simply looking for better financial options, we’re here to help. Our mission is to simplify the process, answer your questions, and provide the expertise you need to make informed decisions.

We invite you to explore our website to learn more about our services. Should you have any questions or require assistance, don’t hesitate to contact us. Let’s start the conversation about how Barrett Mortgages can make a difference in your financial journey.

Click. Chat. Complete.

Click now to connect with our team. After discussing your circumstances, we’ll recommend the best path to completion.

Click. Chat. Complete.

Click now to connect with our team. After discussing your circumstances, we’ll recommend the best path to completion.

Click. Chat. Complete.

Click now to connect with our team. After discussing your circumstances, we’ll recommend the best path to completion.

Click. Chat. Complete.

Click now to connect with our team. After discussing your circumstances, we’ll recommend the best path to completion.

Click. Chat. Complete.

Click now to connect with our team. After discussing your circumstances, we’ll recommend the best path to completion.

© 2024 Barrett Mortgages. All rights reserved.

*Fees Free Remortgage” refers to the lender paying for the valuation fee and basic legal fees other cost & fees may apply.

**£50 cash referral fee payments are Subject to discretion and can be withdrawn at any time**

***Please note that some forms of Buy-To-Let mortgages are not regulated by the FCA

****For commercial lending, bridging finance, and second charge loans, we refer clients to trusted third-party specialists.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
There will be a fee for this advice. The exact amount will depend upon your circumstances but we estimate it will be £295 and will only be payable on completion of the loan.

Barrett Mortgages is a trading style of Barrett Mortgages LTD who is an Appointed Representative of Mortgage Next Network ltd which is authorised and regulated by the Financial Conduct Authority under number 300866 in respect of mortgage, insurance and consumer credit mediation activities only.

Registered address: Towngate House, 2-8 Parkstone Road, Poole, BH15 2PW Registered in England & Wales under number 10985778.

Copyright 2024 Barrett Mortgages | All Rights Reserved.

We always aim to provide a high quality service to our customers. However, if you encounter any problems and we are unable to resolve them you can take your complaint to an independent Ombudsman. Our advice is covered under the Financial Ombudsman Service (www.http://www.financial-ombudsman.org.uk/consumer/complaints.htm).

© 2024 Barrett Mortgages. All rights reserved.

*Fees Free Remortgage” refers to the lender paying for the valuation fee and basic legal fees other cost & fees may apply.

**£50 cash referral fee payments are Subject to discretion and can be withdrawn at any time**

***Please note that some forms of Buy-To-Let mortgages are not regulated by the FCA

****For commercial lending, bridging finance, and second charge loans, we refer clients to trusted third-party specialists.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
There will be a fee for this advice. The exact amount will depend upon your circumstances but we estimate it will be £295 and will only be payable on completion of the loan.

Barrett Mortgages is a trading style of Barrett Mortgages LTD who is an Appointed Representative of Mortgage Next Network ltd which is authorised and regulated by the Financial Conduct Authority under number 300866 in respect of mortgage, insurance and consumer credit mediation activities only.

Registered address: Towngate House, 2-8 Parkstone Road, Poole, BH15 2PW Registered in England & Wales under number 10985778.

Copyright 2024 Barrett Mortgages | All Rights Reserved.

We always aim to provide a high quality service to our customers. However, if you encounter any problems and we are unable to resolve them you can take your complaint to an independent Ombudsman. Our advice is covered under the Financial Ombudsman Service (www.http://www.financial-ombudsman.org.uk/consumer/complaints.htm).

© 2024 Barrett Mortgages. All rights reserved.

*Fees Free Remortgage” refers to the lender paying for the valuation fee and basic legal fees other cost & fees may apply.

**£50 cash referral fee payments are Subject to discretion and can be withdrawn at any time**

***Please note that some forms of Buy-To-Let mortgages are not regulated by the FCA

****For commercial lending, bridging finance, and second charge loans, we refer clients to trusted third-party specialists.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
There will be a fee for this advice. The exact amount will depend upon your circumstances but we estimate it will be £295 and will only be payable on completion of the loan.

Barrett Mortgages is a trading style of Barrett Mortgages LTD who is an Appointed Representative of Mortgage Next Network ltd which is authorised and regulated by the Financial Conduct Authority under number 300866 in respect of mortgage, insurance and consumer credit mediation activities only.

Registered address: Towngate House, 2-8 Parkstone Road, Poole, BH15 2PW Registered in England & Wales under number 10985778.

Copyright 2024 Barrett Mortgages | All Rights Reserved.

We always aim to provide a high quality service to our customers. However, if you encounter any problems and we are unable to resolve them you can take your complaint to an independent Ombudsman. Our advice is covered under the Financial Ombudsman Service (www.http://www.financial-ombudsman.org.uk/consumer/complaints.htm).

© 2024 Barrett Mortgages. All rights reserved.

*Fees Free Remortgage” refers to the lender paying for the valuation fee and basic legal fees other cost & fees may apply.

**£50 cash referral fee payments are Subject to discretion and can be withdrawn at any time**

***Please note that some forms of Buy-To-Let mortgages are not regulated by the FCA

****For commercial lending, bridging finance, and second charge loans, we refer clients to trusted third-party specialists.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
There will be a fee for this advice. The exact amount will depend upon your circumstances but we estimate it will be £295 and will only be payable on completion of the loan.

Barrett Mortgages is a trading style of Barrett Mortgages LTD who is an Appointed Representative of Mortgage Next Network ltd which is authorised and regulated by the Financial Conduct Authority under number 300866 in respect of mortgage, insurance and consumer credit mediation activities only.

Registered address: Towngate House, 2-8 Parkstone Road, Poole, BH15 2PW Registered in England & Wales under number 10985778.

Copyright 2024 Barrett Mortgages | All Rights Reserved.

We always aim to provide a high quality service to our customers. However, if you encounter any problems and we are unable to resolve them you can take your complaint to an independent Ombudsman. Our advice is covered under the Financial Ombudsman Service (www.http://www.financial-ombudsman.org.uk/consumer/complaints.htm).

© 2024 Barrett Mortgages. All rights reserved.

*Fees Free Remortgage” refers to the lender paying for the valuation fee and basic legal fees other cost & fees may apply.

**£50 cash referral fee payments are Subject to discretion and can be withdrawn at any time**

***Please note that some forms of Buy-To-Let mortgages are not regulated by the FCA

****For commercial lending, bridging finance, and second charge loans, we refer clients to trusted third-party specialists.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
There will be a fee for this advice. The exact amount will depend upon your circumstances but we estimate it will be £295 and will only be payable on completion of the loan.

Barrett Mortgages is a trading style of Barrett Mortgages LTD who is an Appointed Representative of Mortgage Next Network ltd which is authorised and regulated by the Financial Conduct Authority under number 300866 in respect of mortgage, insurance and consumer credit mediation activities only.

Registered address: Towngate House, 2-8 Parkstone Road, Poole, BH15 2PW Registered in England & Wales under number 10985778.

Copyright 2024 Barrett Mortgages | All Rights Reserved.

We always aim to provide a high quality service to our customers. However, if you encounter any problems and we are unable to resolve them you can take your complaint to an independent Ombudsman. Our advice is covered under the Financial Ombudsman Service (www.http://www.financial-ombudsman.org.uk/consumer/complaints.htm).