How many mortgage brokers are in Middlesbrough?

41 FCA-regulated firms are listed for Middlesbrough. Common focus areas include Buy-to-Let, Adverse Credit, Ltd Co, Bridging, HMO.

Why use a mortgage broker in Middlesbrough instead of only my bank?

Whole-of-market brokers usually scan dozens of lenders, including specialists you cannot walk into on the high street. Local advisers in Middlesbrough often know which underwriters are comfortable with nearby 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 mortgage advice typically cost in Middlesbrough?

Many brokers 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 fees in writing before you proceed.

What should I check before choosing a broker in Middlesbrough?

Confirm FCA regulation on the register, match specialisations to your case (Buy-to-Let, Adverse Credit, Ltd Co), and read reviews. You want plain-English options, not a single “take it or leave it” product.

Can I get a mortgage in Middlesbrough with adverse credit?

Often yes. Middlesbrough has advisers who work with specialist lenders when high-street banks say no. Earlier advice usually means more routes stay open.

Mortgage Brokers in Middlesbrough, North East

Q: What do typical property prices look like in Middlesbrough?

The average price in our data is £141,270 (up 4% 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.

About Middlesbrough

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 Middlesbrough
#	Broker	Verified	Rating
1	Bower Home Finance Mortgage and Equity Release Advisers	Unverified	5.0 (2)
2	Middlesbroughmoneyman - Mortgage Broker	Unverified	5.0 (3)
3	Prosper Mortgages	Unverified	5.0 (1)
4	Uplived	Unverified	5.0 (1)
5	Ian Nicholson Mortgage Broker	Unverified	5.0 (11)
6	Glenbury Financial Solutions - Mortgage, Equity Release & Protection Advice	Unverified	5.0 (6)
7	Ellie Fleming - The Mortgage Broker & Protection Parent	Unverified	5.0 (59)
8	Belle Financial Services	Unverified	5.0 (1)
9	A and R Protection Specialists	Unverified	5.0 (5)
10	Carol Mitchell Financial Services Limited	Unverified	5.0 (5)

Local snapshot

Middlesbrough (North East) lists 41 FCA-regulated mortgage brokers on Mortgage118. Typical sold prices here average £141,270 — up 4% 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, Adverse Credit, Ltd Co, Bridging, HMO, Commercial — useful whether you are buying for the first time, remortgaging, or building a buy-to-let portfolio.

Quick answers

How many mortgage brokers are in Middlesbrough?: 41 FCA-regulated firms are listed for Middlesbrough. Common focus areas include Buy-to-Let, Adverse Credit, Ltd Co, Bridging, HMO.
What do typical property prices look like in Middlesbrough?: The average price in our data is £141,270 (up 4% 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 mortgage broker in Middlesbrough instead of only my bank?: Whole-of-market brokers usually scan dozens of lenders, including specialists you cannot walk into on the high street. Local advisers in Middlesbrough often know which underwriters are comfortable with nearby 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 mortgage advice typically cost in Middlesbrough?: Many brokers 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 fees in writing before you proceed.
What should I check before choosing a broker in Middlesbrough?: Confirm FCA regulation on the register, match specialisations to your case (Buy-to-Let, Adverse Credit, Ltd Co), and read reviews. You want plain-English options, not a single “take it or leave it” product.

Prices and rates

Typical prices £141,270.

Annual movement about 4% (rising).

Mix of home types (averages)

Detached: £254,678
Semi-detached: £152,479
Terraced: £110,569
Flats: £76,625
First-time buyer purchases: £126,408

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 41 firms side by side.

Collective review score is 4.8/5 across 34 brokers with ratings — use it alongside specialisms and fee transparency.

Strongest demand on our list is for Buy-to-Let, Adverse Credit, Ltd Co, Bridging

Street-level detail

Sold prices cluster around £141,270, 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 (Middlesbrough 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 Middlesbrough

Directory snapshot — Middlesbrough

Need help choosing a broker?

Top 10 mortgage brokers in Middlesbrough

Bower Home Finance Mortgage and Equity Release Advisers

Middlesbroughmoneyman - Mortgage Broker

Prosper Mortgages

Uplived

Ian Nicholson Mortgage Broker

Glenbury Financial Solutions - Mortgage, Equity Release & Protection Advice

Ellie Fleming - The Mortgage Broker & Protection Parent

Belle Financial Services

A and R Protection Specialists

Carol Mitchell Financial Services Limited

More areas in North East

Explore Postcode Districts Near Middlesbrough

Market data for Middlesbrough

Market data panel