Mortgage and Protection Broker in St. Helens, Merseyside – Bozhidar Ivanov

St. Helens is one of the areas where Bozhidar Ivanov offers trusted mortgage and insurance advice. Whether you’re buying your first home or expanding your property portfolio, clients in St. Helens benefit from detailed local knowledge and direct access to UK lenders.

Bozhidar also supports clients in surrounding towns ,including Widnes, Prescot, Haydock, Rainhill, Kirkby, and Newton-le-Willows.

Residential Mortgage Advice in St. Helens

Bozhidar assists homebuyers across St. Helens, from detached homes in Eccleston to terraced houses in Sutton. He ensures all advice reflects your credit profile, income type, and the latest lender criteria.

Whether you’re buying jointly or solo, he guides you through each step—from Agreement in Principle to completion.

Buy-to-Let and HMO Mortgage Options

Investors in St. Helens can access expert help with buy-to-let finance, including single lets, HMOs, and properties requiring light refurbishment. Lender expectations vary depending on rental income, tenant type, and licensing requirements.

Bozhidar makes sure your application fits all relevant buy-to-let and HMO lending rules, including stress testing and EPC requirements.

Commercial and Semi-Commercial Mortgage Support

St. Helens offers opportunities for commercial investment, such as retail units with flats above or small office premises. Bozhidar helps match you with lenders that accept complex income streams, trading histories, or vacant units.

Semi-commercial deals are assessed on both rental and trading income, with terms tailored to business viability and property use.

Bridging Finance for Time-Sensitive Purchases

Bridging loans are ideal if you need short-term funds to buy before selling, refurbish quickly, or beat a property chain. St. Helens buyers use bridging finance for auction purchases, down valuations, or cash-only properties.

Bozhidar works with regulated and unregulated lenders who assess applications based on exit strategy and asset value, not just income.

Key points covered:

• Fast completions (often within 7–14 days)

• Lending up to 75% of open market value

• No early repayment charges on many plans

• Options for heavy or light refurbishment

Limited Company Mortgage Expertise

Property investors in St. Helens often use SPVs (Special Purpose Vehicles) to hold rental property. Bozhidar helps secure limited company mortgages with competitive rates and lender flexibility on personal guarantees and shareholder structure.

He explains lender requirements clearly, including SIC code selection and tax implications.

Second Charge Mortgages for Flexible Finance

If you already have a mortgage but need extra funds, second charge loans could help. These are separate from your main mortgage and can be used for home improvements, debt consolidation, or business purposes.

Bozhidar ensures your affordability meets lender rules, and all borrowing remains within UK-regulated limits.

General Insurance and Protection Planning

St. Helens clients can access guidance on protecting their home and income. This includes:

• Buildings and contents insurance

• Life cover for mortgage protection

• Critical illness and income protection

• Landlord insurance for rental properties

Bozhidar reviews the market for policies that meet your needs while keeping premiums realistic.

Why Clients in St. Helens Choose Bozhidar Ivanov

Bozhidar is based near St. Helens and understands the regional property market and lender appetite. He offers:

• Tailored advice for first-time buyers, self-employed clients, and landlords

• Strong relationships with over 120 UK lenders

• Transparent communication with no industry jargon

• Full compliance with FCA guidelines

Multilingual Support – English, Bulgarian, and Macedonian

Bozhidar speaks English, Bulgarian, and Macedonian fluently. This ensures clients from diverse backgrounds can discuss finance clearly and with confidence.

He provides translated explanations for all key mortgage and insurance documents where required, so nothing is misunderstood.

Areas Covered Near St. Helens, Merseyside

As well as supporting clients in St. Helens, Bozhidar also works with buyers, landlords, and business owners in nearby towns:

• Widnes

• Prescot

• Haydock

• Rainhill

• Kirkby

• Newton-le-Willows

These locations offer varied housing stock, investment potential, and commuter access across the North West.

FCA-Regulated Advice You Can Trust

Bozhidar is fully authorised and regulated, ensuring your mortgage or insurance application meets all current UK lending criteria. From sourcing deals to chasing solicitors, you receive full support at each stage.