Do you need help with your mortgage? Find out all you need to know in our mortgage advice section. Miles and Barr work with Mortgage Advice Bureau to provide you with expert mortgage and protection advice.
Whether you are a first time buyer or have experience in moving house you are going to need your finances in place to ensure the process is smooth.
We can help you remortgage your current property and provide you with information on all of your non-standard purchase types, from buy to let to new builds and self builds.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There will be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
Mortgage Advice Bureau is a trading name of Miles & Barr Financial Services Limited which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority. Miles & Barr Financial Services Limited. Registered Office: 51 Queen Street, Ramsgate, Kent, CT11 9EJ Registered in England Number: 05355574
You should understand the importance of protection, for you and your family, and what kind of financial support you could be entitled to should the unthinkable happen.
Find out every step of your appointment journey you will follow if you choose to seek mortgage advice from any of our experienced advisers.
Finally, read through our frequently asked questions, this may save you and us time in your appointments or phone calls, but of course, we are always happy to explain anything in more detail. See our testimonials, they speak for themselves.
Are you looking to sell or rent your property? Get in touch with us
First Time Buyers
Buying your first home can be a daunting experience, however our experienced mortgage advisers are on hand to guide you through the process from start to finish
Moving home can sometimes be a stressful experience so why not take advantage of one of our experienced mortgage advisers to help you through the process.
If you are looking to re-mortgage your existing home then one of our experienced advisers will be able to help secure you the best deal to suit your circumstances
Different Mortgage Types
There are a number of different mortgage types that are less common that we are able to offer. Click here to find out what they are.
At Miles & Barr we strongly advise that you have some form of protection so that you and your family are covered should the worst happen. Find out more here.
Our step by step appointment guide will let you know the process you will go through when you meet with one of our mortgage advisers
Please click here for a list of frequently asked questions relating to mortgage advice
We pride ourselves on delivering a professional, stress-free service for all our clients. Don't just take our word for it, see what those who have chosen Miles & Barr have to say.
Why Choose Us
Miles & Barr Financial Services is Thanet’s leading estate agency with 15 local offices and 15 mortgage and insurances advisers.
AgentLocal Office: 01304 202111 | Email Directly
I started in the mortgage industry in 1996, I was already in financial services but wanted to deal directly with the public. I like the fact that Miles & Barr is not a large corporate company.
I've been following Formula One since 1987, I enjoy playing golf and spending time with my family.
AgentLocal Office: 01303 255335 | Email Directly
I am passionate about helping people and my job is rewarding when the right product is recommended to customers to help them to save money.
Everything we do is as a team, we celebrate success together and provide support for each other when it is needed.
I love football and support Manchester United, in my spare time I coach a local youth football team. I also have two dogs and I am currently renovating my house.
AgentLocal Office: 01304 626448 | Email Directly
Property is always something I have been interested in so working in this industry was an easy choice for me. I first started working for Miles & Barr in 2014 as an administrator in the Deal Branch then moved to Financial Services in 2016 where I am now part of the team at Discovery Park dealing with mortgage compliance which I am really dedicated to.
I enjoy working for Miles & Barr because there is always a great atmosphere whatever branch you go to and you feel like you’re part of one big family.
Out of work I enjoy playing squash at least once a week, spending time with friends and family and taking my dog on walks.
AgentLocal Office: 01304 626448 | Email Directly
I chose to work in the financial services industry because I enjoy being part of team that provides support to people who are using all forms of the service to finance their property needs.
The atmosphere in the team is always great and is one of the many things that makes working for Miles & Barr enjoyable.
Outside of work I spend a lot of time playing and coaching squash. Within my coaching I work with all age groups from beginner to county level. I also enjoy watching and playing football.
AgentLocal Office: 01227 277254 | Email Directly
I started working as mortgage adviser in 2006, working for Nationwide Building Society. I began as a customer adviser and it was the next step in terms of career progression there.
I love helping people purchase their home, especially first time buyers and I like to explain to them how a mortgage works. Equally, I love making sure I look after them now in the future, if fully fit or unwell.
I play in various bands as a bassist, which takes up most of my spare time.
AgentLocal Office: 01843 570500 | Email Directly
I have always been interested in all aspects of property from a young age. I didn't want to travel to London for work, but want a company with that sort of quality feel to it, which we have.
The company is ever growing but it's great that it doesn't lose its family feel so I think working for Miles & Barr is ideal for me.
In my spare time I enjoy holidays and travelling.
AgentLocal Office: 01843 844899 | Email Directly
I have a very keen interest in the financial markets and how they drive an economy. I also find it very rewarding working with people to plan their new purchase.
Being part of the best agent in the South East and appreciating their commitment to providing a great service when buying a home is what I like about working for Miles & Barr.
I generally work on home improvements, maintaining the garden and have a passion for films in my spare time.
AgentLocal Office: 01304 626448 | Email Directly
My career has always been front of house sales, but I became interested in the admin and invoicing aspect of the role. I looked at how I could do this career wise and opted for financial services as it involved working with numbers and customer interaction, both of which I really enjoy.
I had been working in the banking sector since 2002 and decided I wanted a different challenge, which Miles & Barr offered. My role is quite varied within the team, I'm set projects to help improve our service to customers. This is challenging but rewarding as I love helping our customers to save money! The team within financial services are very professional and efficient but they still have a lot of fun and not a day passes without an office full of laughter! It is a lovely environment to work in.
Away from work I am a father or two sons and I have become involved with their scout group. We go camping, it is great fun and gets us all out the house. When not scouting we play football and xbox, so we don't get much homework done!
Frequently Asked Question’s
Have a read through our FAQs, you may find the answer to what you're looking for quicker than you think.
The interest rate stays the same for a set period of time in a fixed rate mortgage, meaning your repayments will stay the same each month during the set period even if there are changes in the Bank of England base rate or your lender’s standard variable rate. A fix rate mortgage term commonly lasts two to five years but it can be longer than this. Once the period has ended your lender usually automatically transfers you onto its standard variable rate. Our expert advisors can inform you on the best option suited to your requirements.
This is a type of variable rate mortgage. The rate of interest tracks the Bank of England’s base rate at a set margin at percentage above or below it. Deals for tracker mortgages can last for a short amount of time as a year or as long as the loan’s lifespan. When your tracker deal ends your lender usually automatically transfers you onto its standard variable rate, which will probably have a higher rate of interest. Our expert advisors can inform you on the best option suited to your requirements.
This is a type of variable rate mortgage. A standard variable rate is a lender’s default rate with no deals or discounts. It can be a risk to stay on a lender’s standard variable rate as they can raise or lower their rate at any time. They tend to be influenced by changes in the Bank of England’s base rate. A lender can sometimes decide to change their rate while the base rate remains unchanged. If you are working to a tight budget and are hopeful of your standard variable rate remaining low you could find yourself in a vulnerable position. It is worth trying to remortgage if this is the case to get onto a fixed rate deal as they are offer more stability. Our expert advisors can inform you on the best option suited to your requirements.
There is no way to predict with complete certainty when interest rates will rise as there aren’t any rules about when it can happen. You should be sure that if you’re on a tracker, discount or other variable rate mortgage that you would not be struggling to afford repayments if rates increased by 2%. This is an unlikely rise over a short period but it can happen. An example of this happening would be Black Wednesday back in 1992 where the Chancellor increased rates by 2% in a day and then another 3% shortly after. Although this is an extreme example it is proof that movements in rates are unpredictable. Our expert advisors can inform you on the best option suited to your requirements and how you may be affected by changes in interest rates.