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Our mortgage consultants can access exclusive mortgage lending rates which are not available to you when applying direct (terms apply).

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How to get a mortgage - or remortgage - in Stockton-on-Tees


Stockton-on-Tees is a market town situated 6 miles west of Middlesbrough in County Durham. The first settlement is thought date from Anglo-Saxon times. It was an ideal location as it was on high ground on the northern bank of the River Tees.

In 1138 the manor of Stockton was built and was bought by Bishop Pudsey in 1189. Stockton Castle is thought to have been built in the 1300s but it was captured by the Scottish in 1644 and then was destroyed at the end of the Civil War.

Stockton-on-Tees is home to the first railway, being one of the termini of George Stephenson's Stockton and Darlington Railway. It also saw the invention of the friction match by John Walker in 1857.

It also is the location of the most northerly hippopotamus remains ever found on earth. A molar tooth was found in 1958 and are thought to be 125 thousand years old.

The mortgage application process has 4 stages regardless of which mortgage lender you use:

  • Approval in principal (AIP)
  • Mortgage in principal (MIP)
  • Mortgage valuation
  • Mortgage Offer

Read about the full mortgage process here - What is the mortgage process?

Mortgage Broker Tip 

Read your credit report – is the information correct?

Having incorrect information on your credit report can have a negative effect on your credit rating.

a) Is your name correct?
b) Is your address correct?
c) Are there any mobile phone contracts still showing?
 
Ensure the above information is correct to get the highest credit rating you can. Using the address details stored in your credit file, write to any company that has incorrect information about you.
Top Mortgage Lenders 

Fixed rate mortgage

This type of mortgage is one whereby the interest rate is fixed for a certain period of time, which could be anything from 2 to 10 years. After this period of time, the mortgage reverts to the lenders standard variable rate which can go up or down.

The advantages of a fixed rate are the mortgagor knows exactly how much each monthly repayment will be in the fixed rate period and it will not be affected by the sudden changes in the Bank of England base rate. The disadvantage is that the fixed rate tends to be higher than the rate for a variable rate mortgage.
TS18 2HS

Property Price Stats for Stockton-on-Tees


Average property price in Stockton-on-Tees £134,934
% Change compared to last year 3%
Population of Stockton-on-Tees 105,682 (2017)


The property price data is sourced from the Land Registry's UK House Price Index and you can view up to date property prices by clicking - Land Registry House Price Index >> Land-Registry

RECENTLY COMPLETED MOVES IN Stockton-on-Tees

  • Formby Walk, Eaglescliffe, Stockton-On-Tees, Cleveland, North Yorkshire, TS16 9EL
  • High St, Stockton-on-Tees TS18 1RG
  • Portrack Ln, Stockton-on-Tees TS18 2HS
  • Norton Rd, Stockton-on-Tees TS20 2BX
  • Orde Wingate Way, Stockton-on-Tees TS19 0GA

Local High Street Banks in Stockton-on-Tees

Find a mortgage lender near you:
Some branches may have closed down - Call 0333 344 3234 for a Mortgage Broker covering Stockton-on-Tees

  • NatWest - 13 High St, Stockton-on-Tees TS18 1NW
  • Barclays Bank - High St, Stockton-on-Tees TS18 1AG
  • Yorkshire Bank - High St, Stockton-on-Tees TS18 1SB

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Mortgage Broker Tips for the Conveyancing Process

Instructing a solicitor even before your offer has been accepted can hugely speed up the conveyancing process.

By instructing a solicitor as early as possible, you have already made a headstart into working towards completion. 

By the time your offer on a Stockton-on-Tees property has been accepted, your solicitor can have your documents in place, have conducted all financial checks and online ID that must be carried out and the seller will see how intent you are on completing in good time.

The process will be as smooth as possible and your organisation could increase your chance quick completion.

Click to get your FREE Fixed Fee Conveyancing Solicitors Quote* *Fixed Fee – No Sale No Fee – On all Major Lender Panels