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

To speak with a mortgage advisor, book your FREE mortgage appointment online or give us a call on 0191 303 9786.

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Mortgage advice
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First Time Buyer


Moving Home

Buy to Let

Right to Buy

Self Employed

Help to Buy


Reviews Stars5.00 Rating13 Reviews

Mortgage Advice in Durham by an Expert Mortgage Broker in Durham

Welcome to Durhammoneyman, the online home for open and honest mortgage advice in Durham and surrounding areas, brought to you by a trusted, expert mortgage broker in Durham.


Our team here will always work hard to provide our customers with high levels of service when they enquire for mortgage advice in Durham, all throughout the week, from early until late.


No matter if you are a first time buyer in Durham taking on the mortgage process for the first time, an existing homeowner looking at moving home in Durham or taking out a remortgage in Durham, we believe that the service ou mortgage advisors in Durham provide will be of a benefit to you.


You may even be a current or budding landlord in the market for buy to let mortgage advice in Durham.


If this is your situation, we have dedicated mortgage advisors in Durham who are always ready, willing and able to help you make your way towards achieving property purchase and portfolio success!

Our Mortgage Advice Service in Durham

Our team of mortgage advisors in Durham always do their very best to help you overcome any mortgage hurdes that come your way, in order to make sure you have a clear path to achieving mortgage success!


Whilst mortgage success can unfortunately never be guaranteed, our dedicated mortgage advice team in Durham will work hard to advise on how to best approach the process and look at alternative routes for you if appropriate to do so.


It’s our job to take care of you during your mortgage advice process and home buying journey.


We’ll carry you through each step, on your way to mortgage completion and even beyond.


As an experienced mortgage broker in Durham, we have access to an array of mortgage deals, looking at your personal and financial situation in order to make sure we find the most suitable mortgage deal for you.


If you are ever unsure of anything during your mortgage process, do not hesitate to ask your mortgage advisor in Durham.


We believe in a transparent service and will keep you informed all throughout.


To take a closer look at why customers like you, chose the expert services of Durhammoneyman, feel free to take a look at our brilliant customer reviews.


They are a glowing reflection of why mortgage advice in Durham is so beneficial ahead of your mortgage journey.

Mortgage Advice for New Purchases & Remortgage Advice in Durham

If you are a first time buyer in Durham or you haven’t moved home in a while, we think that you would find our mortgage advice service in Durham extremely useful.


This is because a mortgage broker in Durham, like us, will sort out everything for you, making the home-buying process less stressful and much easier for you.


For current homeowners looking at their options for remortgaging in Durham, we are able to search through thousands of mortgage deals for you to find the most suitable one for your personal situation.


We often find that at remortgage time, our customers like to discuss their potential options for capital raising, with popular scenarios including; raising money for home improvements and paying off credit cards and loans.


It is always our goal to be open and honest, delivering a personalised, down to earth service that respects your needs and works hard to find a mortgage for your dream home.


Get in touch with a mortgage advisor in Durham today to take advantage of our free mortgage appointment.

Why use Durhammoneyman as your mortgage broker in Durham?

Here at Durhammoneyman, our team is here to answer any questions you may have during the whole process.


This means that your mortgage experience with us is more tailored to your individual situation and more personal, the best way to go!

Mortgage Advice in Durham for Complicated Situations

Having been in the mortgage business for years now, there is rarely a situation we haven’t come across before. So even if you feel like your situation is complicated, don’t hesitate to call your expert mortgage advisor in Durham.


You might be self employed in Durham, a company owner, a partner, a contractor or on a probation period with a new employer and are finding it hard to get a new mortgage arranged.


This is where an expert mortgage broker in Durham, like us, will become incredibly handy.

Getting Mortgage Advice in Durham From Your Bank

We normally find that our customers have already approached their bank before they come to us for mortgage advice in Durham.


Also, this will apply to you if you have had credit problems in the past.


You could’ve been bankrupt, have a CCJ and/or had a poor credit score.

We Will Always Do Our Best To Help

We will search through thousands of both residential and buy to let mortgage deals on your behalf, making sure we find you the most suitable mortgage for your situation.


We always recommend having a chat with your mortgage advisor in Durham, before viewing houses with estate agents.


This is because a mortgage advisor in Durham will give you an idea of your budget and get you a mortgage agreement in principle document ready so that you have support for any offers that you make.


A smart option with the mortgage process is to always get ahead of the game and get prepared.


Speaking to a mortgage advisor in Durham will take away all of the stress of last-minute mortgage preparations


You want to be in a great ‘mortgage ready’ position to get ahead of potential competitors and home movers, who haven’t been as organised as you.

Mortgage advice in Durham – Options:

First Time Buyer Mortgage Advice Durham

We’re here to walk you through every step, from initial mortgage enquiry, right until you get the keys to your new home.

Moving Home Mortgage Advice Durham

Simply, wanting to know how much you can borrow on a new mortgage, what happens to your old one and how much this will cost?

Remortgage Advice Durham

Seeking a better mortgage deal, to reduce or extend the term, to add or remove a name, or raise money on your home?

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

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Common mortgage questions

Your free initial mortgage consultation will roughly last 30-60 minutes. During your consultation, you will get the opportunity to speak with a Mortgage Advisor in Durham. They will ask you some questions regarding your mortgage needs and personal and financial situation.

This will then allow them to go and search for the perfect mortgage deal for you. They will always try and pick out the deal that will benefit you most.

Typically, for a mortgage, you are going to need a minimum of 5% of the property’s purchase price. If you have had credit problems in the past, lenders may ask for a higher percentage. This could be anywhere between 10%-15%.

Firstly, we will get you to fill out our Fact Find to learn a little more about your mortgage situation. Then we will get you booked in for your free mortgage consultation to learn even more about your mortgage needs. After your consultation, we will arrange a mortgage Agreement in Principle for you within 24-hours.

Then it’s over to you to find your dream home and make an offer. Once you’re ready to proceed and you’re happy to take up the mortgage product that we’ve recommended, we can get your mortgage application prepared!

After your 30 minute free mortgage consultation, we will be able to search for mortgage products on your behalf. In the meantime we will also arrange an Agreement in Principle within 24-hours. When you are ready to make an offer on a property and want to take up our mortgage product, we will begin planning your mortgage application. Once your application is submitted, a formal offer will take about 3 weeks on average.

You will need to provide a variety of documents to support your mortgage application. You’ll be asked to hand in your photographic ID, bank statements, latest P60 and a couple more things.

If you’re Self Employed, you may need to provide 2 years of accounts’.

Just because you are Self Employed doesn’t mean that you can’t get a mortgage, although, it may be a little more difficult.

As a Self Employed mortgage applicant, you will have to submit at least one year’s accounts. Mostly, lenders will use your salary plus dividend to calculate the maximum mortgage amount that you’ll be able to borrow, whereas others will go off your net profit.

If you’ve suffered from bad credit in the past, you may be required to put down a higher deposit than usual. This could be somewhere between 10%-15% of the property’s purchase price.

We always recommend obtaining an AIP as soon as possible. Preferably, you want to have one in place prior to viewing houses in Durham. You may be allowed to negotiate prices if you have an AIP in place when you are viewing houses.

There a various reasons why someone may want a second mortgage. People may want to consolidate their debts into their mortgage, want to improve their home or journey into the world of Buy to Lets. Whatever your reason is for wanting a second a mortgage, you should get in touch with a Mortgage Broker in Durham like us.

Your Agreement in Principle should last around 30-90 days. This timeframe could change depending on the lender that you use. If your Agreement in Principle expires, you can easily refresh it by approaching a Mortgage Broker in Durham like ourselves.

Durhammoneyman.com & Durhammoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk

The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
Should you have cause to complain and you are not satisfied with our response to your complaint, you may be able to refer it
to the Financial Ombudsman Service, which can be contacted as follows

The Financial Ombudsman Service, Exchange Tower, London, E14 9SR

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