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Mortgage Broker in Gateshead

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First Time Buyer

Remortgage

Moving Home

Buy to Let

Right to Buy

Self Employed

Help to Buy

Specialist

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"Book your free mortgage appointment online and speak with me or one of our experienced mortgage advisors in Gateshead today."

For your FREE mortgage appointment with a mortgage advisor in Gateshead, book online.

Book Online

For your FREE mortgage appointment with a mortgage advisor in Gateshead, book online.

Malcoms Image

"Book your free mortgage appointment online and speak with me or one of our experienced mortgage advisors in Gateshead today."

Book Online

Mortgage advice
your way

First Time Buyer

Remortgage

Moving Home

Buy to Let

Right to Buy

Self Employed

Help to Buy

Specialist

What our customers say

Mortgage Advice in Gateshead – Open & Honest Advice

Welcome! We are a Mortgage Broker in Gateshead and are here to help you through every stage of your mortgage journey. We have been working within the mortgage industry for over 20 years now and have worked with many different types of customers in various mortgage situations.

 

Once you get in touch and tell us more about your mortgage situation, we can book you a free appointment with a Mortgage Advisor in Gateshead. Alternatively, you could book your own appointment online and choose a time that suits you. We even have availability on weekends if that works for you better.

 

Our job is to help you through the mortgage process and take all of the stress away from it. We will also try and find you an excellent mortgage product that’s both competitive and tailored to your personal and financial situation.

Your Mortgage Options in Gateshead

We work with all kinds of mortgage options, however, these are our most popular in Gateshead.

First Time Buyer Mortgages in Gateshead

Buying your first home can be stressful. Not knowing how and where to start is always difficult, and that’s why we are here to offer you a helping hand. Our Mortgage Advisors in Newcastle can help you work out how much you will be able to borrow for your first mortgage and make sure that you are able to evidence for this affordability.

 

During your first appointment with your Mortgage Advisor in Gateshead, you will get the chance to ask any questions that you want. Take this as an opportunity to learn about things that you are unsure about; remember, no question is a stupid question!

Moving Home Mortgages in Gateshead

If you’re moving home in Gateshead, you have been through this all before and you may be a little more aware of the steps you’re going to take over a First Time Buyer. Just because you have experienced this before, does not mean that we cannot help.

 

Our brilliant team can still help you find a competitive mortgage deal for your new home and help sort all of the mortgage sides of the process whilst you focus on selling your current property. Buying and selling at the same time can be stressful, and that’s why we are here to help.

Buy to Let Mortgages in Gateshead

Buy to Let landlords can still benefit from using a Mortgage Broker in Gateshead. We have been working with Buy to Let landlords in and around Newcastle for over 20 years now; we’re very experienced.

 

We have over 30 lenders on the panel, each holding different Buy to Let mortgage products – it’s our job to find the right one for you and your personal and financial situation. For a Buy to Let property, you’ll need to provide a 25%-40% deposit and be able to afford two sets of mortgage payments each month. We can measure your affordability and see whether or not you’re ready to take out a Buy to Let mortgage.

Remortgaging in Gateshead

You need to Remortgage when you come to the end of your fixed-mortgage term. Most people either forget to remortgage or can’t find the time to search for a new product; when this happens you will end up on your lender’s standard variable rate and will pay more each month for your mortgage payments.

 

Our job is to shop around for you and try to find you a better deal so that you don’t have to! Our Remortgage Advisors in Gateshead are experts in locating the perfect deal for you and your property. We have been doing this for over 20 years now, we know where to look and how to find a deal that suits you.

 

If you are Self Employed in Gateshead, the process for these mortgage types works the same, however, you will need to provide more evidence to support your income. Your Mortgage Advisor in Gateshead will run through these details with you during your appointment.

Why Choose us as your Mortgage Broker in Gateshead?

Responsiveness and honesty are at the heart of our business, we will be transparent with you 100% of the time. Your Mortgage Advisor in Gateshead will try their best to find you a product that is competitive and suits your personal and financial situation. If they cannot find a better product, they will be honest with you and recommend that you stick to the product that you already have in place.

 

We won’t make you wait! You can book your own mortgage appointment straight away – no strings attached. We have availability 7 days a week so that you can choose a date and time that best suits you and your personal/working life.

 

Our mortgage advisors in Gateshead are highly experienced in every mortgage situation. We work with all types of customers that are looking to achieve different things; take a look at more of our services across our website.

 

We search 1000s of deals and products in order to find the best one for your individual circumstances. Having a large panel of lenders allows us to access both specialist and high street products – it’s our job to pick the perfect one!

Our Simple 4-Step Process

Book online or give us a call to book your free consultation. This is so that we can get a rough idea of your mortgage situation.

 

We’ll evaluate your scenario and see what sort of deals that you can access. We can search through 1000s of different products.

 

If we manage to find you a product and you want to move forward with it, we can begin preparing your mortgage application.

 

Now it’s submission time! It’s time to send off your mortgage application.

 

With a process this simple, we can deliver our usual fast and friendly mortgage advice service.

 

Have you been declined by your bank?

More often than not, we find that our customers have come to us after being declined by their bank. It’s not the end of the world if your application is declined, however, you should stop applying everywhere as you may keep getting disappointed.

 

You may be getting declined for multiple different reasons. It could be as simple as that you are applying for the wrong product. If it’s slightly more complicated than that, you should definitely get in touch with our team. Either way, we will do our best to help.

 

We are here to help you from start all the way through to the finish.

How do I transact with my Mortgage Broker in Gateshead?

Once you get in touch with us or book your free mortgage appointment online, your Mortgage Advisor in Gateshead will be right by your side throughout the whole process. You can choose to converse via email, over the phone or over video call.

Book online for Free

Our new 'book online' feature allows you to book online and choose your own date and appointment time. Simply answer the questions and provide us with your contact information so we can get back in touch with you.

I've been declined by my bank, can you help?

We have a range of specialist mortgage products that we can access to help with this situation, however, it does depend on your situation. Reach out to us and we will learn more about your situation so that we can see whether we can help or not.

We search 1000's of mortgage deals across a large number of lenders, including:

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Mortgage Lender 4
Mortgage Lender 5
Mortgage Lender 6

Common mortgage questions

Your free mortgage consultation in Newcastle will last approximately about one hour. We will then recommend a mortgage for you, where you have no obligation for you to proceed and then it is your choice whether or not you wish to proceed with the mortgage.

As your Mortgage broker in Newcastle, we will carry out a Fact Find with you to establish your personal & financial needs before we recommend the most suitable mortgage for your circumstances. A credit check will then be required for you to obtain an Agreement in Principle. Once you have provided all the relevant documentation and a valuation of the property has been undertaken, you can then be issued a formal mortgage offer.

To avoid possible disappointment, we would highly suggest that you obtain an Agreement in Principle before you begin viewing a potential new home in Newcastle. At the very latest you should try to obtain one prior to making any offers to help with your bargaining position.

The standard for how long an Agreement in Principle will last is between 30 and 90 days, depending on the lender used. If your Agreement in Principle expires it can be easily refreshed with the help of your advisor.

You may have the option to get a second mortgage on your home in Newcastle for something like debt consolidation or home improvements. It may also be possible for you to take out a mortgage on a second property if you’re looking to potentially use it for yourself, a family member, a holiday home or a Buy-to-Let. If you require the help of a Specialist Mortgage Advisor in Newcastle, we are more than happy to have a chat about your options for a second mortgage.

The minimum deposit that will be required when purchasing a house in Newcastle with High Street Lenders is usually 5%. This, however, can be higher if you have had prior credit issues.

If you have had credit problems you may still have some options to get a mortgage but this require extra steps, such as being asked to put down a higher deposit than usual, potentially 15% of the property purchase price. If you are having difficulty in trying to obtain a mortgage because of past credit problems, please feel free to get in touch with your Mortgage Broker in Newcastle and we will see how we are able to help!

Once you have submitted at least one year’s accounts, you will be able to begin your mortgage process in Newcastle. Most lenders will use a sum of salary plus dividend to calculate the maximum mortgage, whereas others are known to use your net profit.

You’ll find that the lenders will usually want to see three payslips from an employee to prove their income and the latest 2 years’ accounts for Self-Employed applicants. You will also need to provide the lender with proof of ID, address and 3 months’ bank statements before they will accept you for a mortgage in Newcastle.

Our free consultation will usually last around an hour or so. Our advisors are able to turn round an agreement in principle within 24 hours of your appointment. A formal mortgage offer will on average take about three weeks. Before you know it you will have your mortgage secured in Newcastle.

Malcolm's
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