Mortgage Brokers in Stockton-On-Tees

Total Result 25 - Page 1

Jones Mortgage Brokers

Jones Mortgage Brokers

41 Bishopton Lane , Stockton-On-Tees , TS18 1PT 01642 885500

Jones Mortgage Brokers have been arranging all kinds of Residential and Commercial Mortgages for over 20 years. We now have access to all lenders within the UK and might advise you on the perfect plan...

Holistic Mortgage & Protection

Holistic Mortgage & Protection

Gloucester House, 72, Church Rd , Stockton-On-Tees , TS18 1TW 01642 130730

Holistic Mortgages & Protection is knowledgeable and pleasant mortgage brokers providing 'complete of market recommendation'. We pride ourselves on being open and trustworthy with our clients and ...

Joslin Rhodes

Joslin Rhodes

The Planning Rooms, Wellington Court , Stockton-On-Tees , TS18 3TA 01642 525511

We work with people who find themselves approaching or at retirement in Teesside, Darlington, and Newcastle and wish to begin having fun with a life they've worked hard for. In addition to serving to ...

Teesside Independent Mortgages

Teesside Independent Mortgages

30 Apsley Way, Ingleby Barwick , Stockton-On-Tees , TS17 5GD 0800 783 1214

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Good Mortgage Solutions

Good Mortgage Solutions

Unit 12, Halegrove Court, Cygnet Drive , Stockton-On-Tees , TS18 3DB 01642 671747

Good Mortgage Solutions are independent mortgage advisers. Because of this we don't symbolize any specific mortgage lender and might search thousands of charges and products to make sure you obtain th...

Will Assist Mortgages

Will Assist Mortgages

47 Aiskew Grove, Cleveland , Stockton-On-Tees , TS19 7RB 01482 240224

We're an independent brokerage providing our services throughout Yorkshire and past, serving to folks daily to search out the suitable mortgage for his or her specific circumstances, Will Assist Mortg...

Ardent Mortgage Solutions

Ardent Mortgage Solutions

Suite 4, Durham Tees Valley Business Centre , Stockton-On-Tees , TS19 0GD 01642 636121

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Vintage

Vintage

Vintage House Lockheed Court, Preston Farm Ind Est , Stockton-On-Tees , TS18 3SH 01642 525050

We assist people and companies to take advantage of their property to allow them to reside nicely, this consists of pensions, investments, mortgages, and insurance coverage. Our experience means we’...

J S Town & Country Mortgages

J S Town & Country Mortgages

3 Pulford Rd , Stockton-On-Tees , TS20 1QY 01642 583491

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Halifax

Halifax

4/6 Dovecot St , Stockton-On-Tees , TS18 1AW 0345 720 3040

Halifax is a unique bank on the high street. Halifax colleagues go the extra mile to make things easier for customers, removing barriers and complexity from their everyday lives whether in a branch, o...

Nationwide Building Society

Nationwide Building Society

41 High St , Stockton-On-Tees , TS18 1SA 0800 554 0833

As a mutual, we’re owned by, and run for, the good thing about our members* – that means we’re free to reinvest extra of our income into enhancing services and products. Last year alone, we paid...

Santander

Santander

43-44 High St , Stockton-On-Tees , TS18 1SB 0800 912 3123

Santander provide a wide range of banking services, from current and savings accounts to loans, credit cards and mortgages....

Yorkshire Bank

Yorkshire Bank

46 High St , Stockton-On-Tees , TS18 1SB 0800 456 1247

Yorkshire Bank PLC offers a range of services for personal and business customers such as financial advice, loans and mortgages....

Yorkshire Bank

Yorkshire Bank

York House Thornaby Town Centre, Thornaby , Stockton-On-Tees , TS17 9PL 0800 456 1247

Yorkshire Bank PLC offers a range of services for personal and business customers such as financial advice, loans and mortgages....

Lloyds Bank

Lloyds Bank

27 High St , Stockton-On-Tees , TS18 1SG 0345 602 1997

Lloyds Bank is proud to serve the people, businesses and communities of Britain. Lloyds Bank is one of the UK’s leading retail and commercial banks, with high-street branches, award-winning online, ...

Yorkshire Building Society

Yorkshire Building Society

31 High St , Stockton-On-Tees , TS18 1SB 01642 694101

At the current time, we ask that you only visit our branches and agencies to carry out essential transactions. Visit our website to find out what essential transactions are, how you can manage your fi...

Virgin Money

Virgin Money

8-10 Dovecot St , Stockton-On-Tees , TS18 1LN 01642 612531

Virgin Money offers a wide range of financial products....

NatWest Bank plc

NatWest Bank plc

123 High St , Stockton-On-Tees , TS18 1AY 0345 788 8444

NatWest is a large high street bank with branches nationwide. They offer various services such as financial advice, loans, mortgages and foreign exchange....

Mortgage Advice Bureau

Mortgage Advice Bureau

6 Innovation Court Yarm Rd , Stockton-On-Tees , TS18 3DA 01642 677411

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Barclays Bank plc

Barclays Bank plc

49 High St , Stockton-On-Tees , TS18 1AG 0345 734 5345

Barclays Bank PLC is a high street bank with branches throughout the UK. They offer many services including personal banking, loans and advice when purchasing a home or a car....


If you are looking for mortgage brokers in Stockton-On-Tees, then you are in the right place. We are an online directory of mortgage brokers in the United Kingdom brokers who will assist you with the complete process of credit and mortgage in Stockton-On-Tees.

All the mortgage brokers in Stockton-On-Tees available on our directory are fully authorized and regulated by the financial conduct authority. They will offer complete mortgage in Stockton-On-Tees solutions including mortgage in Stockton-On-Tees advice, protection advice, and all other mortgage-related financial services. You can filter your search as per your occupation too. It does not matter if you are self-employed, employed or business owner, you can search for a broker with the needed expertise.

Getting a mortgage in Stockton-On-Tees is one of the riskiest financial decisions of your life if not executed with prudence. It involves huge risks added with complex terms and conditions. Hence, it is important to get it done the right way. For a first time buyer, it is even more complicated.

The following guide will help you ascertain if you should get a mortgage in Stockton-On-Tees advisor when to seek advice, where to get free mortgage in Stockton-On-Tees advice, how your bank might be able to help, and which comparison websites you can check.

How to choose the right mortgage in Stockton-On-Tees?

Mortgage in Stockton-On-Tees advice: Yes or no?

Risks of not getting mortgage in Stockton-On-Tees advice.
Speak to your bank and people you know
When to approach a mortgage in Stockton-On-Tees adviser
Browse through different websites
Factors to be considered before choosing a mortgage in Stockton-On-Tees

How to choose the right mortgage in Stockton-On-Tees?

The mortgage in Stockton-On-Tees market is incredibly competitive and fluctuating at the same time. With so many different products and options available from various providers, it gets quite difficult to come to a decision while selecting the best option for you. If you are among first-time buyers, everything is sure to go over your head.

However, there is no need to panic. The best and first is to approach your bank as well as a few independent mortgage in Stockton-On-Tees advisors, to see what they have to offer. These initial discussions will give an idea of what the market is currently offering, how it all works, and which are the options that could serve your best. They will also help you learn about the different mortgage in Stockton-On-Tees and protection features.

Given below is a guide that will navigate you through all the steps to help you study your options carefully before making a final decision.

Mortgage in Stockton-On-Tees advice: Yes or no?

It is always a good idea to get in touch with an advisor.

The Financial Conduct Authority of UK mandates every Lender (banks and financial institutions) and mortgage broker in Stockton-On-Tees to offer advice before recommending any mortgage for you.

Before giving out any suggestions, they will assess the level of mortgage in Stockton-On-Tees repayments you will be able to afford by analyzing your total income, debt consolidation, and day-to-day spending. They will do the required calculation and adjustment to determine the amount of mortgage in Stockton-On-Tees credit that suits your needs and financial capabilities to be able to keep up repayments on time.

Is it mandatory to go with your broker’s advice?

It is not mandatory to choose what your lender or broker suggests to you. You can select your deal as per your independent research and study too. Taking advice will definitely help you gain clear insights into all the aspects of the terms and conditions of the credit. It will provide you with the requisite answers you are seeking to select the best mortgage in Stockton-On-Tees for you.

When you choose your own mortgage in Stockton-On-Tees without seeking any kind of financial advice it’s termed as an “execution-only” application.

Risks of not getting mortgage in Stockton-On-Tees advice

It is an act of prudence to do your homework before availing of any financial services from your mortgage broker in Stockton-On-Tees. So, gather your financial information before you talk to lenders or brokers. the list of details that need to be ascertained is given as under:

If you are employed, then have your P60 forms (last 2 years) and last three payslips ready with you.
For self-employed people, have your tax returns duly certified by an accountant or professional adviser
Source of income: Take into account your income from all sources including regular, irregular, investments, and speculative income.

Evidence of daily expenses
Evidence of debts
You future affordability: This checks how you would be able to afford if there is an increase in the interest rate in the future
If you avail of a mortgage on the advice of your mortgage broker in Stockton-On-Tees, which turns out to be unsuitable for you later on, then you’ll have more rights when you make a complaint. You will enjoy the right to make a complaint of financial mis-selling if the advice you were given turned out to be unsuitable for you.

However, if you do not take any advice from your mortgage in Stockton-On-Tees advisor and go for it based on your independent research, you have to take full responsibility for your mortgage in Stockton-On-Tees decision if the same turns out to be unsuitable in the future.

Consequences of nontaking mortgage in Stockton-On-Tees advice:

If you end up with the wrong mortgage, you won’t enjoy any right to make a complaint of mis-spelling. your mortgage in Stockton-On-Tees will turn into bad credit and it will prove to be a financial disaster for you.
You might be rejected by your lender for selecting a mortgage in Stockton-On-Tees, which is not suitable as per your financial capabilities.
Hence, taking a decision after availing advice from your mortgage in Stockton-On-Tees advisors is the best choice especially for a first-time buyer if you want to avoid bad credit later on.

Speak to your bank and people you know

Speaking to your banks is always a good starting point because they know your financial situation inside out. They will always advise you with the best commercial mortgages to go for depending on your needs. They do not charge any fee for their advice as it is a part of their customer service.

You can also talk to their friend and colleagues to learn about their mortgages. They can brief you on the terms and conditions. You can see how their products stack up against the competition before making a final choice.

When to approach a mortgage in Stockton-On-Tees adviser?

A mortgage broker in Stockton-On-Tees or advisor is a specialist in mortgages in Stockton-On-Tees and possess in-depth knowledge of the market. They have the expertise and experience to study a wide range of mortgage in Stockton-On-Tees products before suggesting the best option.

It’s a good idea to speak to a few of them to know about the offers prevailing in the market.

There are three main types of mortgage in Stockton-On-Tees advisors in the market:

Advisors tied to a specific lender: They would provide you with mortgage in Stockton-On-Tees advice and deals from a specific lender only. they will not look at a wide range of options for you. They generally provide free mortgage in Stockton-On-Tees advice.
Tied to a limited list of lenders: As compared to a specific one, they would offer you financial solutions from a set of few lenders.
Not specific to any lender: They would look at various products from the whole market and provide you with a wide range of options based on your individual needs.
Advantages of using an advisor:
They’ll advise you based on your financial capability to make repayments on your mortgage in Stockton-On-Tees, thus ensuring income protection.
They can offer you attractive deals and offers, which are otherwise not available if you search for a mortgage in Stockton-On-Tees independently.
They will assist you with the paperwork, help you understand all the terms and conditions properly. Your applications get processed and approved faster.
They’ll help you take all the costs and features of the mortgage in Stockton-On-Tees into account, beyond the interest rate.
They should only recommend a mortgage in Stockton-On-Tees that is suitable for you and will tell you which ones you’re likely to get
You will enjoy protection in the future if the mortgage in Stockton-On-Tees proves unsuitable to you.
Finding a mortgage in Stockton-On-Tees advisor

Following are some of the top websites for finding details about mortgage in Stockton-On-Tees advisors in Stockton-On-Tees and other parts of the UK

Cherryfind.co.uk
bmadvisers.co.uk
landc.co.uk
Unbiased.co.uk
VouchedFor.co.uk
capitalfortune.com

Fees and charges

The fees and charges of a Mortgage in Stockton-On-Tees advisor will depend on the type of financial solutions and services you avail of. It also depends on the type of product you choose and the value of the mortgage in Stockton-On-Tees.

Some lender specific advisors may provide free advisory services because they receive a commission from their lenders on approved deals.

They will tell you the amount of fee they will charge and there won’t be in any hidden cost.

Once your broker makes a product recommendation they must give you a mortgage in Stockton-On-Tees illustration document(s). This document outlines the terms and conditions of the mortgage in Stockton-On-Tees along with the details of the loan. As it contains all the key facts on the mortgage in Stockton-On-Tees, it is usually called a key facts illustration.

European Standard Information Sheet
The European Standard Information Sheet provides s standard format of pre-contractual information that needs to be provided by a lender while issuing a mortgage in Stockton-On-Tees. The Mortgages Conduct of Business (MCOB) rules of FCA mandates every lender provide this document to their clients.

Factors to be considered before choosing a mortgage in Stockton-On-Tees:

What most people look for while going for a mortgage in Stockton-On-Tees is a low-interest rate. However, there are many other important factors that need to be considered before making a choice.

Some of the important factors are listed as under:

APRC: (Annual Percentage Rate of Charge): APRC is calculated by expressing the amount of mortgage in Stockton-On-Tees fees and interest rate as a percentage.
Deposit size: Generally lower interest rates are available with higher deposit amounts.
The standard rate: It is the rate your mortgage in Stockton-On-Tees will switch to once the fixed-rate deal ends.
Duration of interest?: Whether interest will be charged daily, monthly, or annually? Daily interest generally works out cheaper.
Flexibility of repayments: Can you overpay your mortgage in Stockton-On-Tees before time without being charged? Can you take a break from making payments if at any time you are amidst a financial crisis?

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