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Our Mortgage Broker Guide to getting a mortgage in Stockton-on-Tees

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

    1
    Approval/Decision in Principal (AIP/DIP)
    2
    Mortgage in Principal (MIP)
    3
    Mortgage Valuation
    4
    Mortgage Offer

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

Mortgage Broker Stockton-on-Tees Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

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.

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.


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.

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

Mortgage Broker Stockton-on-Tees - Recently Completed

  • 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

Mortgage Broker in and around Stockton-on-Tees

Our Stockton-on-Tees mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Thorpe Thewles, Lond Newton, Wolviston, Thornaby, Redmarshall, South Bank and Middlesbrough.

Which banks are local to you?


  • 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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Information about Mortgages


Watch our video to find out how to organise your mortgage and funding for your purchase.

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Our mortgage broker has access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

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Mortgage Brokers Stockton-on-Tees offering free first consultation (terms apply).

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Fast mortgage appointments

With no need for face to face meetings you'll be called on the same day by one of our mortgage specialist brokers to discuss your circumstances and can support complex applications for Help to Buy, Right to Buy and Shared Ownership mortgages

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Impartial Mortgage Advice

You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

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Stockton-on-Tees Mortgage Broker Insider Tips

Instruct a solicitor even before your offer has been accepted.

If you instruct a solicitor at the earliest possible time, once your offer on a Stockton-on-Tees property is accepted, you will be ready to get things underway and the seller will see how intent you are on purchasing their property. 

By being organised you are indicating to the seller that you should be able to complete in good time and the process will be as smooth as possible, thereby potentially increasing your chance of success.

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