Mortgage Broker Washington, Tyne and Wear
| The Mortgage Dog
Whole-of-market mortgage advice from your local Washington broker
Looking for a Mortgage Broker in Washington, Tyne and Wear?
If you are looking for a mortgage broker in Washington, you have come to the right place. The Mortgage Dog is not just based in the North East, we are based right here in Washington, Tyne and Wear.
Our office is on Spout Lane in Washington Village and we have been helping people across the town and the wider region get the right mortgage since 2017.
We know Washington. We know its neighbourhoods, its property market, and the kinds of buyers and homeowners who live here. Whether you are buying your first home in Fatfield, remortgaging in Biddick, or looking at a buy-to-let in Barmston, we are the local broker who actually knows what they are talking about.
We are not tied to any bank or lender. As a whole-of-market broker we search hundreds of deals to find the right one for you, including exclusive rates you will not find on comparison sites or the high street. And because we are right on your doorstep, you can come and see us face-to-face or we can sort everything over the phone or video call.
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 Washington
First Time Buyer Mortgages Washington
Buying your first home in Washington is an exciting step. With average property prices sitting around £170,000, Washington is one of the more affordable places to get on the property ladder in the North East, which makes it a genuinely attractive option for first time buyers who want to keep their deposit and monthly payments manageable.
We will walk you through the whole process from start to finish. From working out how much you can borrow, to getting your Agreement in Principle in place, to securing your mortgage offer, we handle it all. You focus on finding the right home. We will sort the mortgage.
Remortgage Advice Washington
Whether your fixed rate deal is coming to an end or you want to explore whether switching could save you money, we can help. We compare deals across the whole market and give you honest advice on whether remortgaging makes sense for your situation right now.
If you are looking to reduce your monthly payments, fund a home extension, release equity, or simply move to a better rate, The Mortgage Dog will sniff out the best deal available.
Buy to Let Mortgages Washington
Washington has a steady rental demand, particularly around the town centre, Concord, and areas with good transport links to Newcastle and Sunderland. If you are looking to invest in a buy-to-let property in Washington or the surrounding area, we will find the right mortgage to make your investment work as hard as possible.
Self Employed Mortgages Washington
Running your own business in Washington should not stop you from getting a great mortgage. We work with lenders who genuinely understand self-employed income, whether you are a sole trader, contractor, or limited company director. We know how to present your case in the best possible light.
Bad Credit Mortgages Washington
Past credit problems do not automatically rule you out. We have access to specialist lenders who look at your full circumstances rather than just your credit score. If you have been turned down elsewhere, it is worth a conversation with us before you give up.
Moving Home in Washington
Upsizing, downsizing, or relocating within Washington or the surrounding area, we will take the stress out of the mortgage side of things so you can focus on the exciting part.
Why Use a Mortgage Broker in Washington?
There are a few mortgage brokers who claim to cover Washington. We actually live here.
Our office is at 41a Spout Lane, Washington, NE38 7HP, and most of our team were born and bred in Washington. This is not a satellite office or a national brand dropping a pin on a map.
The Mortgage Dog is a Washington business, built by Washington people, serving the Washington community and the wider North East.
That matters more than you might think. When you sit down with one of our advisers, you are talking to someone who grew up here, knows the town inside out, and genuinely understands the local property market.
They know the difference between buying in Concord and buying in Fatfield. They know which parts of town are popular with first time buyers, where the new build developments are, and what the market looks like right now. That kind of local knowledge is hard to put a price on.
We have been trusted by clients across Washington since 2017, arranging over £200 million in mortgages along the way. We are whole-of-market, meaning we are not tied to any single bank or lender. We compare hundreds of deals across the full market, including exclusive rates you will not find on comparison sites or the high street.
We offer face-to-face appointments at our Washington Village office, evening and weekend availability, and remote appointments by phone or video call. However you prefer to work, we are here.
This is our town. We are proud of it and we are proud to help the people who live here get the right mortgage.
The Washington Property Market
Washington is a new town in Tyne and Wear, developed in the 1960s and divided into a series of distinct villages and districts, each with its own character and property mix. Average house prices sit around £170,000, making it one of the more affordable areas in the North East and a popular choice for first time buyers, growing families, and commuters.
What many people do not realise is that Washington has a history that stretches back far further than its new town status. Washington Old Hall, a beautiful 17th century manor house in the heart of the town, is the ancestral home of George Washington, the first President of the United States. It is a genuine piece of history sitting right in the middle of a modern North East town, and it says a lot about the character of the place.
The town is well connected. Washington sits right on the A1 and A19, giving easy road access to Newcastle, Sunderland, Durham, and Gateshead. The town also has good bus links across Tyne and Wear, making it a practical base for people who work across the region.
Popular areas for buyers include Ayton and Biddick for families, Fatfield and the village for those looking for more character and older housing stock, and the town centre, Glebe and Columbia for buyers after something more central. The new build market in Washington is also active, with several developments popping up around the Usworth area appealing to first time buyers using shared ownership or mortgage guarantee schemes.
Whatever part of Washington you are buying in,
The Mortgage Dog knows this market inside out. We are not just covering the area from a distance. We are right here.
How It Works
Step 1. Get in Touch
Drop into our office on Spout Lane, give us a call, or book a free consultation online. No obligation, no jargon, just a friendly chat about what you are looking to do.
Step 2. We Do the Hard Work
We search the whole market to find the best mortgage for your situation. We explain your options clearly and recommend the deal that is right for you, not just whatever has the lowest headline rate this week.
Step 3. We See It Through
From application to offer to completion, we are with you throughout. We chase things up, liaise with lenders, and keep you in the loop every step of the way.
Frequently Asked Questions
Unveiling Answers to Your Burning Mortgage Broker Questions in Washington
How much can I borrow for a mortgage in Washington?
Most lenders will offer between four and four and a half times your annual income, though this varies depending on your deposit, credit history, and monthly outgoings. With average house prices in Washington around £170,000, many buyers find they are able to borrow comfortably within what most lenders will offer. Use our How Much Can I Borrow calculator to get an idea, or come in for a free chat.
Can I get a mortgage with bad credit in Washington?
Yes. We work with specialist lenders who look beyond a credit score and consider the full picture. Past issues do not automatically rule you out. Get in touch and we will assess your options honestly.
Can I get a mortgage if I am self-employed?
Yes, in most cases. The key is finding the right lender for your income type. We work with lenders who are comfortable with sole traders, contractors, and limited company directors, and we know how to present your application in the strongest possible way. As we are in Washington, we have links to local accountants. Our recommended accountant is LSC Accounting in Shiney Row, Houghton-Le-Spring.
Do I need an Agreement in Principle before I start viewing homes in Washington?
It is not a legal requirement, but it is strongly recommended. We have worked with all of the estate agents in Washington. Most estate agents in Washington will ask for one before accepting an offer and taking it off the market. Having a mortgage in principle in place shows sellers you are a serious buyer. We can get yours sorted quickly, often on the same day.
Can you help with new build mortgages in Washington?
Yes. New build mortgages can work slightly differently to standard purchases, particularly around build completion timescales and mortgage offer validity periods. We have experience with new build applications and will make sure everything lines up correctly.
Ready to Get Started?
Whether you are just starting to think about buying in Washington or you need a mortgage sorted quickly, The Mortgage Dog is here to help. Pop in, give us a call, or book online.
Testimonials from Washington and other North East clients
"Absolutely fantastic service. Morgatge offer within 2 days !!!! We were turned down from another broker but the Morgatge Dog sorted right away for us. Would recommend these to anyone. We will also be using yous in the future. Thank you again ☺️
Ps. best coffee in Washington village 😋"
Emma Johnson- Rickleton, Washington
"This is the second time I have used The Mortgage Dog now and they have been nothing but amazing during both experiences I’ve had with them! They are so helpful and genuinely have your best interests at heart! I couldn't have got either of my houses without them!! And should I ever move again I will 100% coming back to see them." Jasmin Ames- Oxclose, Washington
"Fantastic service from Danny and Stephen who went above and beyond to secure the best mortgage deal for us. They took time to take us through the remortgage process step by step and were extremely knowledgeable and professional throughout. We would definitely recommend The Mortgage Dog to others!"
Emma Laws- Biddick, Washington
"Danny and the team at The Mortgage Dog are truly outstanding.The advice they give me and my husband during the re mortgage of our home was exceptional.I know I can trust the process and the guidance they gave us ensuring the process was stress free and ran very smoothly.5 stars all the way and 100% recommend to all my friends and family."
Joanne Wright – Fatfield, Washington
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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