Mortgage Broker in Barnet, London – Chaya Spitzer

Barnet is one of the areas where Chaya Spitzer offers tailored mortgage advice. Based in Barnet, London, Chaya provides trusted support across a wide range of property needs. This includes residential, commercial and semi-commercial mortgages, buy-to-let, HMOs, bridging finance, limited company mortgages, and general insurance.

Residential Mortgages in Barnet

Whether you’re buying a home in High Barnet or downsizing in East Barnet, Chaya ensures your mortgage matches your budget and long-term plans. She works with lenders that understand local values and offers clear guidance on deposit size, affordability rules, and acceptable property types.

Commercial and Semi-Commercial Mortgages

Chaya supports clients purchasing mixed-use buildings or business premises. She explains how rental income, lease terms, and trading history affect approval. Whether it’s a shop with flats above or an office conversion, she ensures the product fits UK lender rules.

Buy-to-Let and HMOs

Landlords in Barnet turn to Chaya for tax-efficient borrowing structures and rental yield-focused advice. She helps you understand stress tests, income requirements, and whether a property is suitable for family lets or HMOs. Specialist lenders often have stricter rules for HMOs, so detailed guidance is essential.

Bridging Finance Explained

Barnet buyers needing fast access to funds benefit from bridging loans. These are short-term options, ideal for auction purchases, chain breaks, or properties needing refurbishment. Chaya compares regulated and unregulated options, repayment terms, and exit strategies. She ensures the bridging loan meets UK compliance and lender timeframes.

Limited Company Mortgages

For investors purchasing through a limited company, Chaya explains SPV setup, allowable SIC codes, and how rental stress tests apply. She also checks director guarantees and personal income, where needed, based on lender criteria.

General Insurance and Protection

Owning property means protecting your investment. Chaya sources suitable building, contents, and landlord insurance policies. She also advises on life cover and income protection when required by the lender.

Why Choose a Local Broker in Barnet?

Barnet is one of the most active areas for property transactions in North London. With growing demand and strong transport links, Chaya offers insight that high street lenders often miss. She understands postcode-specific lending rules, such as maximum loan-to-value or flat restrictions in older buildings.

Multilingual Service

Chaya speaks English, French, Hebrew, and Yiddish. This helps clients who prefer advice in their native language. It also improves understanding when reviewing documents, lender terms, and legal paperwork, reducing the risk of costly errors.

Neighbouring Areas Covered

In addition to Barnet, Chaya provides mortgage advice in:

• Finchley

• Hendon

• Golders Green

• Edgware

• Mill Hill

• Muswell Hill

These nearby towns also face similar lending challenges, such as leasehold flats or higher average property prices. Find a mortgage broker in Barnet.

FCA-Regulated and UK Lending Compliant

Chaya is fully authorised by the Financial Conduct Authority (FCA). This means every mortgage recommendation complies with UK regulation. She will never suggest a product outside of your budget or unsuitable for your income type.

Transparent Support from Start to Finish

Clients receive help with every stage of the process:

• Agreement in Principle

• Property valuation

• Solicitor liaison

• Document review

• Application tracking

Chaya keeps all communication clear and prompt, so you avoid delays or last-minute surprises.