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We love helping customers who really need Mortgage Advice in Newcastle - it's not just about finding a mortgage, we will hold your hand through the full process.

For your FREE mortgage consultation call 0191 432 9860

About Us

For your FREE mortgage consultation call 0191 432 9860

Malcoms Image

We love helping customers who really need Mortgage Advice in Newcastle - it's not just about finding a mortgage, we will hold your hand through the full process.

About Us

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 North Shields – Mortgage Broker in North Shields 

If you are in the market and preferably looking around this area in particular but need some expert mortgage advice?  Maybe you are wanting to speak to a mortgage advisor in North Shields, if so then you have landed on the right page!  

 

We are a mortgage broker with over 20 years of mortgage experience. Get in touch today and book yourself in for a free mortgage consultation.
 

 

How our 4-Step Mortgage Advice process works in North Shield 

1) You get in touch via website or phone and speak with our customer care team.

 

2) Book you in for a free mortgage consultation.

 

3) Your mortgage advisor in North Shields hears more about your situation.

 

4) Your mortgage advisor in North Shields will search the market to find you the most suitable mortgage deal whilst you find the ideal home!

 

Of course, our service isn’t complete without our fantastic customer service throughout the mortgage process.

 

We want to help you from the point of enquiry through to your mortgage application submission!

 

Our whole team will look after you every step in the process. 

Why choose us as your Mortgage Broker in North Shields? 

Firstly, we aren’t tied to any particular estate agent or building society. Therefore, we are free to search for products through all of our lenders.

 

We have mortgage advisors who specialise in all different types of mortgage scenarios. No situation is too tough to take on!

 

Our team have your best interests at heart, meaning that you’ll always receive open and honest mortgage advice in North Shields. We’re transparent with you 100% of the time.

 

We take care of you from start to finish. Our glowing reviews showcase this! 

  

Open 7 Days a Week 

As a responsive mortgage broker in North Shields, we work seven days a week so that you can get in touch at a time that works for you.

 

Once you contact us, we will get underway with the mortgage process. To a lot of applicants, the mortgage process is a daunting one, though with an expert mortgage advisor in North Shields by your side, you can worry less. 

 

As a fast & friendly mortgage broker in North Shields, we have a lot of experience helping customers save both their time, and their money. Get in touch for a free mortgage consultation today! 

Bank vs Broker

The main difference between a bank and a broker is that a bank can only offer you their own in-house mortgage deals whereas a Mortgage Broker in Boldmere like us, can access products from our panel of over 30 lenders. We'll only try and find you a deal that is perfect for your personal and financial mortgage situation.

Follow us on Social Media

We are always active on social media, often posting recent guides, market updates, excellent customer reviews and mortgage videos. You should take a look and find out for yourself!

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Free Mortgage Consultation

Once you get in touch with our Mortgage Advisors in Newcastle, we will get you booked in for a free mortgage consultation. This will last around 30-minutes, during this time, your Mortgage Advisor in Boldmere will get to learn a little more about your mortgage needs and situation.

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

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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.

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