Mortgage Broker Durham
Our mortgage brokers are independent of any lender and offer a full spectrum of straight talking, expert financial advice. Perfectly positioned to help you with your mortgage requirements.
for Durham
Remote Appointments
Advisors 2022
Why choose Mortgage Brokers with SAM Conveyancing?
Whether you are making a purchase or remortgaging a property, using an impartial mortgage advisor saves you from being pressured by any specific lender, so you can choose the best deal available from the whole market.
We can offer you a free* initial consultation with our independent mortgage brokers at Advies. They search across the whole market to provide the best mortgage rates that match your needs and circumstances, with access to exclusive rates that can beat the high street lenders.
We are delighted to announce that Advies have been recognised by the Financial Times as being one of the FT Adviser UK Top 100 Financial Advisers 2022.
Our mortgage advisors attain the strictest Financial Conduct Authority standards, to ensure honest, competitive and fair services, to you.
Changed from 4% on the
17th December 2025
.Location | 10% Deposit | What would your salary need to be? (estimated based on 4.5 times salary) |
Stockton-On-Tees | £10,503 | £21,007 or £10,503 per salary with a joint purchase |
Hartlepool | £8,668 | £17,337 or £8,668 per salary with a joint purchase |
The rate of your mortgage will affect your affordability assessment. Use our calculator to see how the current rate will affect your monthly payments.
Our Mortgage Broker Guide to getting a mortgage in Durham
The mortgage application process has 4 stages regardless of which mortgage lender you use:
- 1Approval/Decision in Principal (AIP/DIP)
- 2Mortgage in Principal (MIP)
- 3Mortgage Valuation
- 4Mortgage Offer
You can boost your credit record by clever use of a prepaid credit builder credit card
You normally have to pay a monthly repayment sum, perhaps £5, and you'll have to keep up your repayments for 1 year.
When you've made all your repayments over the 12 months, the company issuing the card adds an entry to your credit file stating that you successfully repaid a debt. Additionally, you don't need a credit reference to take such a card out – this is because you're not borrowing on it.
Mortgage Types
Mortgages can be examined in terms of whether they share one or more of the following characteristics:
- Repayment or Interest-only
- Fixed or variable rate
- Offset
- 'Helper'
Residential mortgage applicants can only take out repayment mortgages whereas non-residential clients can also opt to take out interest-only mortgages.
Interest rates are either fixed for a period or track a particular rate, which always involves taking into account movements in the Bank of England's base rate. Offset mortgages look to offset interest made on savings against interest owed on a mortgage and thus make repayments cheaper.
Helper mortgages describe mortgages where a mortgage applicant has the help of an associate (normally a close family member) in buying a home. The associate provides security that the loan will be paid back either by putting up their own home as collateral or by putting money into an account which the lender controls, which may not be able to be touched for a number of years, or by devoting interest earned on a savings account to bring down the interest on the mortgage loan, making the mortgage cheaper to repay.
Be wary of going on holiday
You should consider avoiding going on holiday until your conveyancing is finished, even if you instruct your solicitor to progress things in your absence.
You may have to take a particular decision, find out some information or carry out some other action resulting from your conveyancing. This may become very complicated if you are abroad. All of this can lead to delays.
At the very least, you should ensure that you've already provided your solicitor with your proof of ID & proof of funds and that they know you are away, when you are coming back and how to contact you.
Get your FREE Fixed Fee Conveyancing Solicitors Quote
Fixed Fee – No Sale No Fee – On all Major Lender Panels
Frequently Asked Questions: Mortgage Brokers Durham
The benefit of using a mortgage broker is having one expert doing the research and comparison for you, rather than dealing with multiple lenders who all want to sell you their own products. Our independent Durham mortgage brokers have access to better deals than the general public and can negotiate on your behalf.
Mortgage Broker Durham - Recently Completed
- Victoria Road, Darlington, County Durham, United Kingdom, DL1 5SF
- Chantry Place, West Rainton, County Durham DH4 6PP
- Goodyear Crescent, Durham, County Durham, DH1 2EB
- Silver St, Durham DH1 3RE
- Cheveley Park, Belmont, Durham DH1 2AA
Watch our video to find out how to organise your mortgage and funding for your purchase.
