Mortgage Broker Newcastle | The Mortgage Dog
Friendly, whole-of-market mortgage advice for Newcastle and the surrounding area
Looking for a Mortgage Broker in Newcastle?
Whether you're buying your first home in Jesmond, remortgaging in Gosforth, or investing in a buy-to-let in Heaton, The Mortgage Dog is here to help. We're a whole-of-market mortgage brokerage based just down the road in Washington, Tyne and Wear, and we've been helping people across Newcastle and the wider North East get the right mortgage since 2017.
We're not tied to any bank or lender. That means we search the entire market to find the deal that works for you, including exclusive rates you won't find on the high street or comparison sites.
And yes, Cookie and Enya (our quality control team) will be keeping a close eye on things throughout.
Who We Are?
At The Mortgage Dog, we're not your typical mortgage brokers.
We're passionate about making remortgaging simple, transparent, and stress-free.
Our team sniffs out the best deals, breaks down complex jargon and guides you through every step of your mortgage journey with energy, expertise, and a friendly wag of the tail
You may have to pay an early repayment charge to your existing lender if you remortgage and think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage..
Our Mortgage Services in Newcastle
First Time Buyer Mortgages Newcastle
Getting on the property ladder in Newcastle is an exciting step, and it doesn't have to be a stressful one. Whether you're looking at a flat in the city centre, a terrace in Fenham, or a semi in Benton, we'll guide you through every part of the process. From finding out how much you can borrow, to securing your Agreement in Principle, to getting your mortgage offer across the line, we're with you every step of the way.
Newcastle is a fantastic city for first time buyers. With average property prices sitting well below the national average and a wide variety of homes across every neighbourhood, there's something for every budget. We'll make sure you're getting the best possible deal to go with it.
Remortgage Advice Newcastle
If your current fixed rate is coming to an end, or you're wondering whether now is the right time to switch, we can help. We'll compare the latest deals across the whole market and give you straightforward advice on whether remortgaging makes sense for your situation.
Whether you're looking to reduce your monthly payments, release equity for a home extension, or simply move to a better rate, The Mortgage Dog will sniff out the best deal available.
Self Employed Mortgages Newcastle
Running your own business shouldn't stop you from getting a great mortgage. We work with a wide panel of lenders who understand self-employed income, whether you're a sole trader, contractor, or limited company director. We know how to present your application in the strongest possible light.
Bad Credit Mortgages Newcastle
Past credit issues don't have to hold you back from buying a home or remortgaging. We have access to specialist lenders who look beyond a credit score and take your full circumstances into account. If you've been turned down elsewhere, it's worth having a chat with us before you give up.
Moving Home in Newcastle
Upsizing, downsizing, or relocating to or within Newcastle, whatever your situation, we'll take the stress out of the mortgage side of things so you can focus on the exciting part. There is some amazing houses availible in Newcastle on Rightmove.co.uk
Why Use a Mortgage Broker in Newcastle?
With so many mortgage deals out there and the market shifting constantly, going direct to a bank means you're only ever seeing a small slice of what's available.
As a whole-of-market broker, we have access to hundreds of deals from across the full mortgage market, including lenders who don't advertise directly to the public.
Here's what working with us actually looks like in practice:
-More choice. We compare deals from the whole market, not just one lender.
-Better rates. We have access to exclusive deals that aren't available on the high street.
-Expert advice. We match the right product to your specific circumstances, not just whoever's offering the lowest headline rate this week.
-Less hassle. We handle the paperwork and deal with lenders on your behalf.
-No nasty surprises. We explain everything in plain English. No jargon, no confusion.
And because we work remotely as well as face-to-face, you don't need to travel anywhere. We're just a phone call or video chat away.
The Newcastle Property Market
Newcastle upon Tyne has one of the most vibrant property markets in the North East. House prices remain well below the national average, which makes it a genuinely attractive option for first time buyers, home movers, and investors.
Popular areas for buyers include Jesmond and Gosforth for family homes, Heaton and Sandyford for young professionals and landlords, and the city centre and Quayside for modern apartment living. Further out, places like Ponteland, Brunton Park, and Darras Hall appeal to buyers who want a quieter setting without losing easy access to the city.
Whatever part of Newcastle you're buying in, The Mortgage Dog knows this market well and will give you advice that actually makes sense for where you're looking.
How It Works
Step 1. Get in Touch
Drop us a message, give us a call, or book a free consultation online. No obligation, no jargon, just a friendly chat about what you're looking to do.
Step 2. We Do the Hard Work
We search the whole market to find the best mortgage for your circumstances. We'll walk you through your options clearly and recommend the deal that's right for you.
Step 3. We See It Through
From application to offer to completion, we're with you throughout. We chase things up, liaise with lenders, and keep you in the loop so you're never left wondering what's happening.
Frequently Asked Questions
Unveiling Answers to Your Burning Mortgage Broker in Newcastle
Can I get a mortgage with a new job?
Yes, in many cases you can. Some lenders are perfectly happy to lend to applicants who have recently started a new role, particularly if you're staying in the same industry or profession. If you're still in a probationary period the options narrow a little, but they do exist. We'll identify the lenders most likely to say yes to your application.
Can we get a joint mortgage if only one of us is working?
Absolutely. Plenty of lenders will consider joint mortgage applications where only one applicant is earning. The key factors are the working applicant's income, the amount you're looking to borrow, and any existing financial commitments. We'll assess your situation and point you towards the lenders best suited to your circumstances.
Can I get a mortgage on a flat above a shop?
This is more specialist territory, but it's entirely possible. Lenders treat flats above commercial premises differently depending on the type of business below and what proportion of the building is residential. We've dealt with these kinds of applications before and know which lenders are comfortable with them.
How much can I borrow for a mortgage in Newcastle?
Most lenders will offer somewhere between four and four and a half times your annual income, though this varies depending on your deposit size, credit history, monthly outgoings, and the lender you go with. Some specialist lenders will stretch further in the right circumstances. We can give you a clear picture of your borrowing potential right from your first consultation. You will get more property for your money in Newcastle compared to the south of England.
Do I need to visit your office?
Not at all. We're based in Washington, just eight miles from Newcastle city centre, and we're happy to meet face-to-face if that's what you prefer. That said, most of our Newcastle clients find it just as easy to deal with us over the phone or on a video call. It's completely up to you.
Ready to Get Started?
Whether you're just starting to think about buying a home in Newcastle or you're ready to go and need a mortgage sorted quickly, The Mortgage Dog is here to help.
Get in touch today for a free, no-obligation chat. We'll cut through the complexity, find you the right deal, and make the whole thing as painless as possible.
Testimonials from Newcastle and other North East clients
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. This will typically be between £299-£699.
The Mortgage Dog Ltd (FCA Number 788976) is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. The Mortgage Dog Ltd. is registered in England and Wales under company number 12306191 at the registered address 41a Spout Lane, Washington, NE38 7HP. Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority
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