Appointment Options:
Location:
Language(s):
English
Barnet is one of the areas where Vikas Goyal offers tailored mortgage solutions for complex and standard lending needs. As a trusted mortgage broker in Barnet, Hertfordshire, Vikas brings deep market insight and direct access to lenders suited for unique property types.
Buying or refinancing a commercial or semi-commercial building involves specific lending criteria. Vikas Goyal understands these challenges and offers clear, step-by-step advice to meet UK lender expectations. Whether you’re acquiring a mixed-use shop with a flat above or a retail unit with office space, Vikas supports applications from start to finish.
Barnet is ideal for landlords, and Vikas Goyal works with clients to finance buy-to-let properties and licensed HMOs. These mortgage types come with stricter affordability rules, licensing, and higher stress test thresholds. Vikas helps you select lenders who are familiar with such properties and guide you through all compliance stages.
Bridging finance is often used in Barnet to secure time-sensitive purchases or refurbishments. This includes auction purchases, development bridging, and chain-break scenarios. Vikas Goyal arranges short-term loans that align with lender exit strategy requirements. This can involve refinancing, asset sales, or property resale plans.
Bridging lenders often demand valuations within 48 hours, legal reviews, and clear repayment paths. Vikas ensures that your application ticks all regulatory boxes and progresses without delay. His experience helps avoid costly mistakes during pressured timelines.
Barnet’s rental yield and property growth attract limited company investors. Vikas supports mortgage planning for SPVs and trading companies alike. He matches company structure, ownership, and income projections with lender policies. This improves chances of success, particularly for portfolio landlords and directors drawing low PAYE salaries.
General insurance and protection services are also offered across Barnet. This includes cover for buildings, contents, and landlord liability. Vikas also advises on income protection and life cover, ensuring your financial plans remain protected if things change.
Barnet is just one part of Vikas Goyal’s service area. Clients also receive support in:
Potters Bar
St Albans
Welwyn Garden City
Hatfield
Borehamwood
Watford
This wider coverage helps landlords and investors who own or plan to buy across multiple postcodes in Hertfordshire.
All advice follows UK mortgage regulations. Vikas Goyal is FCA-regulated and transparent in every conversation. He explains fees, documents, and processes without jargon. Whether it’s a semi-commercial freehold, a student HMO, or a buy-to-let flat in Barnet, the advice remains accurate and fully compliant.
Applicants with irregular or multi-source income often face extra scrutiny. Vikas helps clients prepare documents, tax summaries, and projections that meet underwriter needs. He also liaises with accountants if required to support your case.
Direct experience with complex property types including HMOs and mixed-use buildings
In-depth understanding of UK bridging finance and lender repayment policies
Specialist help for SPV and limited company mortgage applications
Full protection planning including general insurance and landlord cover
If you’re purchasing, refinancing, or planning a development in Barnet, work with a mortgage broker who understands what matters. Vikas Goyal brings clarity, speed, and tailored advice across a wide range of property types and financial circumstances.
is is an Appointed Representative of Connect IFA Ltd 441505 which is Authorised and Regulated by the Financial Conduct Authority.