Mortgage Broker Newcastle | Professional Mortgage Advisor
We provide tailored mortgage advice to meet all your financing needs across Newcastle and the Tyne and Wear area. Whether you’re buying your first home, remortgaging, or exploring buy-to-let options, we’re here to help you every step of the way.
Fast Approvals
Experience fast mortgage approvals with our streamlined process and expert support. Get pre-approved quickly and move one step closer to your new home.
Minimal Paperwork
Our expert team simplifies your mortgage application, keeping paperwork to a minimum for a hassle-free experience managing forms and approvals seamlessly.
Best Mortgage Deals
Get the best mortgage deal, from your lender or a new one. Our mortgage brokers compare offers to ensure you’re getting maximum value.
Independent Mortgage Advisor Newcastle
Welcome to Mortgages RM – Newcastle upon Tyne’s hub for expert mortgage advice and personalised financial guidance. With Stephen Kerrigan available daily from 8 a.m. to 10 p.m., we’re committed to helping you realise your dream of homeownership through trusted mortgage-affordability insights, guidance on mortgage protection plans, and expert-financial-advice.
Serving Newcastle upon Tyne and across the North East, Stephen Kerrigan provides expert mortgage advice backed by over 20 years of experience. We conduct a whole-of-market mortgage search, reviewing thousands of mortgage deals to match you with the most suitable mortgage solution—whether you’re a first-time buyer or looking to invest in buy-to-let properties.
Our priority is supporting homeowners at every stage of their mortgage journey, ensuring you have the right tools and personalised mortgage guidance to make informed decisions. From shared ownership mortgage options to remortgaging or switching deals, we offer complete mortgage application support and a smooth, friendly experience from start to finish.
Have Any Questions?
Contact us for expert mortgage advice in Newcastle and surrounding areas, including home loan solutions tailored to your needs.
Trusted Mortgage Advice Newcastle from Experienced Advisors
To talk with Stephen Kerrigan, the mortgage broker, about your mortgage, including access to personalised mortgage deals and helpful mortgage-guides, please call the Doncaster branch or get in touch online.
We are open from 9 am – 5:30pm on weekdays and 9am-5pm on Saturdays, but evening appointments (after 6 pm) may be available upon request.
Mortgages RM has branches serving Newcastle and the surrounding areas, offering expert mortgage advice and local support.
What Additional Mortgage Costs to Expect?
Don’t forget there will be additional costs beyond your deposit and mortgage that you’ll be expected to cover.
These may include solicitor fees, survey and valuation charges, and lender-related expenses such as a booking fee or arrangement fee.
It’s also important to check the latest stamp duty rates to determine if they apply to your purchase.
Other potential expenses may involve removal services, temporary storage, or site maintenance charges—especially if you’re moving into a new build or buying through affordable housing schemes.
Even with low deposit mortgage deals, it’s crucial to plan for these extra costs.
Get in touch with us, and we’ll help you estimate how much these fees could be based on your circumstances.
Why Choose MortgageRM’s Professional Guidance in Newcastle?
Taking a step onto the property ladder can be a daunting task, especially for first-time buyers and your first mortgage. Amid the plethora of mortgage products and fluctuating interest rates, choosing the right mortgage deal can become a time-consuming process. Here’s where the role of an experienced mortgage broker for your mortgage journey comes in — offering access to affordable mortgage solutions and whole-of-market comparisons to help you make informed decisions.
Have Any Questions?
Contact our expert team for mortgage advice in Newcastle upon Tyne and surrounding areas
Benefits of Hiring a local Mortgage Broker
Access to Special Mortgage Offers
Having access to special mortgage discounts is a major advantage of working with a mortgage broker. They can help you get the best mortgage rate from among the wide range of mortgage lenders, exclusive broker-only deals, and offers, potentially saving you thousands of dollars over the course of the loan.
Custom mortgage service backed by personalised financial guidance
Our mortgage advice offers a specialised service catered to your unique requirements. They provide mortgage advise based on your unique situation and assist you in finding a mortgage arrangement that supports your financial objectives.
The Process of Applying for a Mortgage
Mortgage applications can seem like a difficult process. But the process is made noticeably simpler with the aid of a mortgage expert. From the first consultation until the final completion of your mortgage application, they will walk you through each step, offering valuable support with competitive mortgage deals along the way.
A Newcastle Mortgage Broker You Can Trust
Securing a decent mortgage deal requires selecting a reliable mortgage broker. Choose experts that can provide a clear knowledge of the procedure, are sensitive to your particular circumstances, and have a track record of offering excellent mortgage advice. A mortgage broker, authorised by the Financial Conduct Authority, simplifies the home buying process by offering expert advice tailored to your needs.
Working with estate agents, they help secure the right mortgage while also guiding you on planning, protection, and wills—supporting both your property goals and long-term financial future through access to exclusive mortgage rates.
Our Mortgage consultants have years of experience and access to thousands of first-time buyer packages, including special MortgagesRM offers. We won’t only locate you a decent offer; we’ll also find the one that meets your demands and takes into consideration any potential future shocks.
You will get familiar with the national Help to Buy programme at your initial mortgage meeting with Stephen Kerrigan, your mortgage broker. This applies to first-time homeowners who are buying brand-new residences. If you employ it, you might be able to buy a home that is much greater than you had anticipated!
You can get house loans from Stephen Kerrigan that need as little as 5% down payment and let homeowners keep 100% of their property, including low deposit mortgage options for eligible buyers. We also assist clients with remortgage deals, ensuring you find better terms or rates when it’s time to switch.
Obtaining a mortgage deal is astonishingly simple thanks to MortgagesRM’s knowledgeable mortgage brokers and exclusive broker-only mortgage rates through unique agreements with hundreds of lenders.
MortgagesRM work closely with first-time buyers in Newcastle, providing trusted, personalised support throughout the process.
First-Time Buyer Assistance
The first step on the property ladder may be both exciting and difficult. Mortgage brokers put a lot of effort into making this process as easy as they can. They make sure you discover the best mortgage deals for first-time buyers based on your circumstances, walking you through the mortgage application process and offering bad credit mortgage advice alongside guidance on Help to Buy programmes.
Buy-to-Let Advice
A mortgage broker can help you navigate the complexities of buy to let mortgages if you’re considering investing in a rental property. With expert insight, they can guide you toward the most suitable buy to let mortgage deals, offering tailored advice based on potential rental income and long-term investment goals.
Our Services
Fast & Bespoke Newcastle Mortgage Services
We love helping all our customers no matter the financial situation, especially the ones who really need Mortgage Advice in Newcastle – it’s not just about finding a mortgage agreement. It’s about the journey; we will hold your hand through the full process with mortgage tips and property guides to keep you informed every step of the way.
First Time Buyer
Buying your first home? Our expert mortgage advisors offer tailored first time buyer mortgage advice to help you secure the right deal with ease and confidence.
Remortgages
Considering remortgaging or switching to a better mortgage deal? Our expert advisors simplify the process and guide you every step of the way—stress-free.
Moving Home
Thinking of selling your current home and moving? Our expert mortgage advisors provide personalised guidance to help you budget smartly and secure the right deal.
Buy-to-Let
Buy-to-let mortgages are a popular choice for property investors. Our expert mortgage brokers help you find competitive deals tailored to rental investment goals.
Call us today!
To speak with a mortgage advisor, book your Mortgage Appointment Online or give us a call.
Take the Stress Out of Moving Home in Newcastle
Our professional, friendly mortgage brokers will help take some of the stress away by taking care of your application. We’ll provide help and guidance throughout the application process with home mover mortgage advice tailored to your needs.
Hassle-Free Mortgage Switching with Expert Guidance?
Many high street banks and specialist lenders offer buy-to-let mortgage options, but the best deals are often found through a local mortgage broker. A broker can help you compare your current lender’s offer with better rates across the market—whether you’re looking to remortgage, switch lenders, or stay with your current one.
- Detailed Affordability Checks for Confident Borrowing
- Minimal Paperwork Hassle
- Access to Exclusive Buy-to-Let Deals
- Switch to a New or Stay With Your Current Lender
- Personalised Advice from Local Experts
Get started online now
Frequently Asked Questions
How much deposit do I need for a mortgage?
A minimum deposit is required for purchasing a property in Doncaster. High street lenders typically require a 5% deposit. A higher deposit may be required if you have had credit problems in the past.
Can I get a mortgage if I am self-employed?
Yes, however, you must submit at least one year’s worth of accounts. To compute the maximum mortgage, most lenders in Doncaster use your salary and dividend, while others may use your net profit.
Can I get a second mortgage?
Second mortgages are possible. This includes debt consolidation and home improvements. A second mortgage can also be obtained on a second property, but only if it is for the owner’s personal use, a family member’s use, a holiday home or a rental property.
How long does the mortgage process take?
It will take about an hour for our free mortgage consultation in Doncaster. Upon completion of your consultation, we can arrange an agreement in principle for you in about 24 hours. A formal offer takes about three weeks.
What documents do I need to send you?
You must provide three payslips to prove your income if you are an employee. You will need to supply the latest 2 years’ accounts if you are self-employed in Doncaster. Additionally, you must provide proof of identity, address, and three months of bank statements.
How long will an agreement in principle be valid for?
An agreement in principle typically lasts between 30 and 90 days, but it can vary based on your lender. It is quite simple to renew an agreement in principle if it expires.
I have bad credit, can I still get a mortgage?
You can do it, but it will be harder. By putting down a higher deposit, perhaps 10% or 15% of the purchase price, you can demonstrate that you can afford a mortgage.
