Mortgage Brokers in County Durham, North East

Location Overview

**County Durham** (North East) lists **20 FCA-regulated** mortgage brokers on Mortgage118. Typical sold prices here average **£143,291** — **up 7.7%** year-on-year.

The North East saw the highest annual growth in England at 4.6% in 2025. With the lowest average prices in England at £165,000, the region offers exceptional affordability. Newcastle, Sunderland, and Durham are seeing increased investment.

### What local advisers focus on

Together they cover **Buy-to-Let, Holiday Lets, Self Build, Bridging, Commercial, Development** — useful whether you are buying for the first time, remortgaging, or building a buy-to-let portfolio.

Frequently Asked Questions

**Q: How many brokers are listed here?**
A: **20** FCA-regulated firms are shown for **County Durham**. Common focus areas include Buy-to-Let, Holiday Lets, Self Build, Bridging, Commercial.

**Q: What do typical property prices look like?**
A: The average price in our data is **£143,291** (up **7.7%** year-on-year). The North East saw the highest annual growth in England at 4.6% in 2025. With the lowest average prices in England at £165,000, the region offers exceptional affordability. Newcastle, Sunderland, and Durham are seeing increased investment.

**Q: Why use a broker instead of only my bank?**
A: Whole-of-market brokers usually scan **dozens of lenders**, including specialists you cannot walk into on the high street. They also know which underwriters are comfortable with local property types and survey quirks. At £165,000 average, deposits are significantly lower than elsewhere in England. First-time buyers can often purchase with a 5% deposit of just £8,250. Local brokers know which lenders are most competitive at lower loan amounts.

**Q: What does advice typically cost?**
A: Many offer a **free first conversation**. After that, some are paid by lender commission only; others charge a **£300–£500** (or similar) fee on application or completion — always confirm in writing before you proceed.

**Q: What should I check before I choose?**
A: Confirm **FCA regulation** (everyone here is), match **specialisations** to your case (Buy-to-Let, Holiday Lets, Self Build), and read **reviews**. You want plain-English options, not a single “take it or leave it” product.

**Q: Is adverse credit possible?**
A: Often yes. **County Durham** has advisers who work with **specialist lenders** when high-street banks say no. Earlier advice usually means more routes stay open.

Market Insights

Typical prices **£143,291**.

Annual movement about **7.7%** (rising).

### Mix of home types (averages)
- **Detached:** £245,282
- **Semi-detached:** £144,397
- **Terraced:** £118,355
- **Flats:** £80,573
- **First-time buyer purchases:** £127,641

### Borrowing costs in context

The Bank of England **Bank Rate** is one input to mortgage pricing; see the **Bank base rate** page on this site for the figure we publish. The deal you are offered still depends on **deposit**, **term**, **fixed vs variable**, and **affordability stress tests** — not any single headline rate.

Local Expertise

Sold prices cluster around **£143,291**, so lenders may see **lower loan sizes** and different stress-test outcomes than in London-weighted headlines.

On the ground, a good adviser spots **survey quirks**, **lease issues**, and **lender overlays** that postcode-level stats miss.

Most offer a **no-obligation first call** so you can sense-check strategy before paying anything.

Process Guidance

- **Shortlist** two or three firms from the list above that match your situation (**County Durham** is already filtered for you).
- **Read** profiles for fees, specialisms, and how they prefer to work (phone, video, face-to-face).
- **Book a first call** — use it to test clarity and responsiveness, not just the rate quote.
- **Agreement in Principle (AIP)** — when you are ready, your broker can run this so offers carry more weight with agents and vendors.

About County Durham

Plain-English context for buyers and people remortgaging — what the market looks like, how advice works here, and what to do next.

Compact table of top mortgage brokers in County Durham
#	Broker	Verified	Rating
1	Peareth Financial Ltd	Unverified	5.0 (20)
2	David Clark Financial Solutions	Unverified	5.0 (30)
3	Brown & Sutherland Associates	Unverified	5.0 (2)
4	313 Commercial	Unverified	5.0 (9)
5	MCM Advice Ltd	Unverified	5.0 (57)
6	Primary Financial Management	Unverified	5.0 (1)
7	Mapps	Unverified	5.0 (67)
8	Tom Garside Financial Services	Unverified	5.0 (27)
9	Ben Charles Durham Financial Services	Unverified	5.0 (38)
10	Arnie Haq Durham Mortgage Solutions	Unverified	5.0 (38)

Local snapshot

County Durham (North East) lists 20 FCA-regulated mortgage brokers on Mortgage118. Typical sold prices here average £143,291 — up 7.7% year-on-year.

The North East saw the highest annual growth in England at 4.6% in 2025. With the lowest average prices in England at £165,000, the region offers exceptional affordability. Newcastle, Sunderland, and Durham are seeing increased investment.

What local advisers focus on

Together they cover Buy-to-Let, Holiday Lets, Self Build, Bridging, Commercial, Development — useful whether you are buying for the first time, remortgaging, or building a buy-to-let portfolio.

Quick answers

How many brokers are listed here?: 20 FCA-regulated firms are shown for County Durham. Common focus areas include Buy-to-Let, Holiday Lets, Self Build, Bridging, Commercial.
What do typical property prices look like?: The average price in our data is £143,291 (up 7.7% year-on-year). The North East saw the highest annual growth in England at 4.6% in 2025. With the lowest average prices in England at £165,000, the region offers exceptional affordability. Newcastle, Sunderland, and Durham are seeing increased investment.
Why use a broker instead of only my bank?: Whole-of-market brokers usually scan dozens of lenders, including specialists you cannot walk into on the high street. They also know which underwriters are comfortable with local property types and survey quirks. At £165,000 average, deposits are significantly lower than elsewhere in England. First-time buyers can often purchase with a 5% deposit of just £8,250. Local brokers know which lenders are most competitive at lower loan amounts.
What does advice typically cost?: Many offer a free first conversation. After that, some are paid by lender commission only; others charge a £300–£500 (or similar) fee on application or completion — always confirm in writing before you proceed.
What should I check before I choose?: Confirm FCA regulation (everyone here is), match specialisations to your case (Buy-to-Let, Holiday Lets, Self Build), and read reviews. You want plain-English options, not a single “take it or leave it” product.

Prices and rates

Typical prices £143,291.

Annual movement about 7.7% (rising).

Mix of home types (averages)

Detached: £245,282
Semi-detached: £144,397
Terraced: £118,355
Flats: £80,573
First-time buyer purchases: £127,641

Borrowing costs in context

The Bank of England Bank Rate is one input to mortgage pricing; see the Bank base rate page on this site for the figure we publish. The deal you are offered still depends on deposit, term, fixed vs variable, and affordability stress tests — not any single headline rate.

Choosing advice

You can compare 20 firms side by side. 1 shows 10+ years trading history.

Collective review score is 4.9/5 across 17 brokers with ratings — use it alongside specialisms and fee transparency.

Strongest demand on our list is for Buy-to-Let, Holiday Lets, Self Build, Bridging

Street-level detail

Sold prices cluster around £143,291, so lenders may see lower loan sizes and different stress-test outcomes than in London-weighted headlines.

On the ground, a good adviser spots survey quirks, lease issues, and lender overlays that postcode-level stats miss.

Most offer a no-obligation first call so you can sense-check strategy before paying anything.

From application to completion

Shortlist two or three firms from the list above that match your situation (County Durham is already filtered for you).
Read profiles for fees, specialisms, and how they prefer to work (phone, video, face-to-face).
Book a first call — use it to test clarity and responsiveness, not just the rate quote.
Agreement in Principle (AIP) — when you are ready, your broker can run this so offers carry more weight with agents and vendors.

Find the Best Mortgage Brokers or Advisers in County Durham

Need help choosing a broker?

Top 10 mortgage brokers in County Durham

Peareth Financial Ltd

David Clark Financial Solutions

Brown & Sutherland Associates

313 Commercial

MCM Advice Ltd

Primary Financial Management

Mapps

Tom Garside Financial Services

Ben Charles Durham Financial Services

Arnie Haq Durham Mortgage Solutions

More areas in North East

Explore Postcode Districts Near County Durham

Market data for County Durham

Market data panel

About County Durham

Local snapshot

What local advisers focus on

Quick answers

Prices and rates

Mix of home types (averages)

Borrowing costs in context

Choosing advice

Street-level detail

From application to completion

Location Overview

Frequently Asked Questions

Market Insights

Broker Analysis

Local Expertise

Process Guidance

Find the Best Mortgage Brokers or Advisers in County Durham

Need help choosing a broker?

Top 10 mortgage brokers in County Durham

Peareth Financial Ltd

David Clark Financial Solutions

Brown & Sutherland Associates

313 Commercial

MCM Advice Ltd

Primary Financial Management

Mapps

Tom Garside Financial Services

Ben Charles Durham Financial Services

Arnie Haq Durham Mortgage Solutions

More areas in North East

Explore Postcode Districts Near County Durham

Market data for County Durham

Market data panel

About County Durham

Local snapshot

What local advisers focus on

Quick answers

Prices and rates

Mix of home types (averages)

Borrowing costs in context

Choosing advice

Street-level detail

From application to completion