Mortgage broker in Barnet
Looking for a mortgage broker in Barnet? Whether you're buying your first flat in EN5, moving up to a family home in EN4 or remortgaging a house you've owned for years, Kudos Mortgages gives clear, whole-of-market advice from just down the road in Edgware.
Free, 30 to 60 minutes, by video or phone.
Nothing to prepare, just bring your questions.
Barnet at a glance
- Neighbourhoods we cover
- High Barnet, New Barnet, East Barnet, Friern Barnet, Whetstone, Totteridge, Arkley and Hadley Wood
Barnet sits on the edge of London, where the Northern line runs out and the green belt begins. Most of the clients we help here are either buying, often a first home or a bigger one for a growing family, or already own in EN4 or EN5 and have a fixed rate coming to an end. Both need a clear picture of what lenders will offer and a plan that fits the next few years.
Kudos Mortgages was founded by Sol, a North London adviser based in Edgware and advising since 2017. We've helped over 500 clients and hold a 5-star rating from 80+ reviews on Google.
The homes you'll find in Barnet
Barnet's housing is varied, and each type raises its own lending questions.
- Period family homes. Victorian and Edwardian houses are spread across High Barnet, New Barnet and East Barnet. Older homes can need more work than they first appear, so a proper survey matters.
- Flats near the High Street and the stations. Often the first step for buyers. Almost all are leasehold, so the lease length and service charge affect which lenders will lend and how much. Some lenders are also cautious about flats above shops.
- Newer developments. These have added flats and townhouses in parts of the area. Lenders value new builds carefully, and developer incentives have to be declared.
Knowing which lenders are comfortable with which kind of property saves time, and it can save a sale.
Getting around
High Barnet is the northern end of the Northern line, with Totteridge & Whetstone one stop down the line. New Barnet station has rail services into central London, giving the eastern side of the area a second route into town. Living near a station suits commuters, while homes further out can give you more space for your budget. Settle your priorities before you start viewing, so your search and your borrowing line up.
Who we help in Barnet
- First-time buyers. We'll work out your deposit and borrowing, then find a lender that fits. See first-time buyer mortgages.
- Families moving up. We'll help you weigh up moving against staying put and borrowing to extend. See residential mortgages.
- Remortgages. If your deal ends in the next six months, now is the time to look. See remortgages.
- Buy-to-let. From a first rental flat to a growing portfolio. See buy-to-let mortgages.
- Self-employed buyers. Sole traders, contractors and company directors are assessed differently, and the lender matters. See self-employed mortgages.
Why use a local broker
Your bank can only offer its own deals. We compare lenders across the market and match you with the one most likely to say yes, on terms that suit you. And because we're local, we know Barnet's mix of period houses, leasehold flats and newer builds, and which lenders are happy with each. You deal with the same adviser from first call to completion.
Kudos Mortgages is FCA regulated as an Appointed Representative of Cornerstone Finance Group, so you're in safe hands.
Areas near Barnet
We also help clients in Whetstone, Totteridge, Hadley Wood and Cockfosters. A little further south, see our pages for a mortgage broker in Finchley and Mill Hill. To the west is our home patch, where we're your local mortgage broker in Edgware.
Book a free call
Not sure where to start? Book a free call and we'll give you a realistic borrowing figure and your next steps. It's 30 to 60 minutes, by video or phone, with no obligation.
★★★★★
Sol goes above and beyond for his clients, ensuring not only the best deal but a smooth and stress-free process. We have used him for a number of years now and will continue to do so.
Common questions
Yes, though your choice of lender may be narrower. Some lenders are wary of flats above commercial premises, especially takeaways, while others are comfortable with them. Send us the details early and we'll check which lenders will consider the flat before you pay for surveys and legal work.
Usually, yes. If the valuer finds essential repairs, the lender may hold back part of the loan until the work is done, or lower the valuation. A detailed survey before you commit helps you budget for repairs and negotiate on price.
It depends on the costs either side. Moving brings stamp duty and legal and agent fees. Extending means borrowing more against your current home, plus planning and building costs. We'll compare what each route would cost you each month.
Yes. Lenders look mainly at the expected rent compared with the mortgage payment, and most want a deposit of at least 25%. Buy-to-let can carry a broker fee, usually between £295 and £495, and you'll know the exact amount before you commit.
See our buy-to-let mortgagesAround six months before your current deal ends. Most lenders let you secure a new rate that far ahead, and starting early stops you rolling onto your lender's standard variable rate, which is usually much more expensive.
See our remortgage adviceLet's get your mortgage
sorted.
A free call, 30 to 60 minutes, by video or phone. No obligation, no jargon. Just honest advice. Nothing to prepare, just bring your questions.
Book a free callYour home may be repossessed if you do not keep up repayments on a mortgage secured against it.