The 5 best mortgage brokers in Newcastle that make home buying easy
If you’re looking to buy a home, you might think the hardest part is finding the right place. But the mortgage process can be even trickier, with confusing terms, endless forms, and many different deals to compare. It can feel overwhelming.
That’s why having a good mortgage broker is important. They take the stress out of the process and help you find the deal that actually works for you.
If you’re not sure where to turn to, this guide pulls together reviews, experience, and local insights to find the best mortgage brokers in Newcastle.
| How much do mortgage brokers charge in Newcastle? Most mortgage brokers in Newcastle don’t charge clients directly, as the lender pays them commission. If a broker does charge, it’s usually around £395–£495, though more complex cases can cost £500–£1,000+. |
1. First Mortgage NE
Address: 42-44 Mosley St
Phone: +44 191 261 7114
Business hours:
- Monday to Thursday: 9 AM – 5:30 PM
- Friday to Saturday: 9 AM – 5 PM
- Sunday: Closed
One of the biggest advantages of First Mortgage NE is that its service is completely free. They’re funded by lenders, so clients get expert advice without paying anything up front.
If you’re a first-time buyer or stretched out financially, they really are a good choice.
We love how they do thorough searches to find the right deal for each client too. The team understands personal circumstances, so they’d consider those before offering a mortgage product.
The “best in market” guarantee is also a smart addition. If you happen to find a better deal elsewhere, they’ll pay you £500. For us, it showed how confident they are about their recommendations.
When we spoke to past clients, they appreciated how the team supported them through the whole process. They handle paperwork, liaise with surveyors and solicitors, and even help with insurance and online portal setup.
That said, we did notice some areas that could be improved. Service experiences seem to vary depending on the advisor assigned.
While some clients praised their responsiveness, others reported delays in email replies and follow-ups.
First Mortgage was excellent from start to finish
“First Mortgage was excellent from start to finish. The initial meeting with Carol Gavin on helping me with my move to Liverpool was great. The communication and support were always there when needed during what can feel at times a stressful time, but both Carol and Sue Hanlon were really supportive and helped the smooth transition through the process into my new home, which I have now been in for a few weeks. Anyone who is considering a move to Liverpool First Mortgage would be a great team to use.
Thank you to Carol and Sue for your continued support throughout the move.”
Jordan Wimpenny, Google review
They made the whole thing so easy for me
“I had a brilliant experience with First Mortgage NE. Leon had me set up on their online portal, got me an agreement in principle and set up my appointment all within a few hours of me getting in touch. Wendy found my lender the same afternoon we spoke, and Jo kept me updated throughout. I was a first-time buyer using a shared equity scheme, and they made the whole thing so easy for me. Mick even arranged my insurance! I can’t thank them enough and will definitely be recommending them to anyone applying for a mortgage.”
Jade R., Google review
2. Innovate Mortgages and Loans
Address: Lansdowne Terrace, 4, Gosforth
Phone: +44 191 284 3723
Business hours:
- Monday to Friday: 8 AM – 6 PM
- Saturday to Sunday: Closed
With over 80 years of combined experience, the Innovate Mortgages and Loans team knows the mortgage market inside out.
They can access a wide range of lenders, from high street banks to specialist lenders, giving clients more options than they could find on their own.
We love how they treat their clients. They take time to explain each step, help with organising documents, and give advice tailored to individual situations.
Several clients mentioned how committed the team is. One even mentioned that Paul Hardingham sorted out a mortgage while on a train.
They are also very good at helping people with tricky situations, like adverse credit or unusual financial circumstances. They find lenders that most banks wouldn’t consider.
Their fees are clear and upfront. Standard residential mortgages can cost around £345, and more complex cases can go up to £495. Initial discussions are free, which makes it easy to get advice without any pressure.
That said, if you’re on a budget, you might want to consider other brokers who offer completely free services.
We’re not saying Innovative Mortgages isn’t worth it (their service is great), but if saving a little money is your priority, there are cheaper options available.
We will most definitely be using this company again
“We couldn’t recommend Paul more highly – he was so helpful and reassuring throughout the process of securing our first mortgage. He was endlessly patient and kind in the months leading up to us making an offer, and was always happy to offer guidance and advice. We will most definitely be using this company again. Thank you!”
Miranda Peake, Google review
Honest & transparent with no hassle the whole way through
“When my mortgage rate was coming to an end, I wasn’t holding out much hope of getting another decent deal. I was very pleasantly surprised with what Innovate Mortgages managed to offer me. A few options with fantastic advice. Honest & transparent with no hassle the whole way through. Explained clearly and simply. I could not recommend Tony & Paul enough. Thank you so much.”
Debbie Brown, Google review
3. Northern Standard Mortgages
Address: Hoults Yard, Walker Road
Phone: +44 191 625 9300
Business hours:
- Monday to Thursday: 9 AM – 8 PM
- Friday: 9 AM – 5 PM
- Saturday: 10 AM – 4 PM
- Sunday: Closed
For residential mortgages, Northern Standard Mortgages seems to cover all bases—first-time buyers, people moving home, and homeowners looking to remortgage or borrow more.
One thing we noticed is that they can work with deposits as low as 5%, depending on your credit score. It’s a big help for those starting out.
They also take a detailed look at your finances, including income, budget, and existing commitments. They really try to match you with the most suitable product rather than pushing a standard option.
Their Buy-to-Let offerings stand out for investors. They support both individual landlord and limited companies, and their recommendation to seek independent tax advice shows how professional they are.
For anyone looking to build a property portfolio, this could be a real advantage.
Another highlight is their referral program. You can earn £100 vouchers for each successful referral, which is a nice incentive.
On the downside, their fees aren’t publicly listed. Yes, they do clarify any costs upfront, but we think having a clear starting point would help clients feel more confident from the beginning.
He went above and beyond to find the best mortgage options for me
“Nicky is amazing! From the get-go, he was super helpful, explaining everything clearly and making sure I understood each step. He went above and beyond to find the best mortgage options for me, and his communication was spot-on throughout the entire process. Honestly, I couldn’t have asked for a better mortgage advisor. Thanks to Nicky, the whole experience was smooth and stress-free. I highly recommend Northern Standard Mortgages.”
Nauman Ahmad, Google review
His knowledge gave us the best possible rate and mortgage offer
“I couldn’t recommend Nicky Ling from Northern Standard Mortgages enough. From start to finish, he has been a lifesaver and the best adviser we could have asked for. He has always remained stoic, professional, friendly and efficient. It was my first time buying a house, and it felt overwhelming in the beginning. He was patient and had an extensive knowledge of the industry, which gave us the best possible rate and mortgage offer. Communication was immaculate, and I knew what was happening at every stage of the process. He took care of absolutely everything.
Nicky goes the extra mile and is an asset to the company. I would more than happily and confidently recommend him to anyone who wants the smoothest and easiest experience in buying their home. Words can’t describe how thankful I am for Nicky’s support and Northern Standard Mortgages’ quality of service. Thank you so much!!!”
Sofia Feghali, Google review
4. Myles Mortgages Ltd
Address: Quorum Business Park, Q16
Phone: +44 7449 921492
Business hours:
- Monday: 8:30 AM – 5:30 PM
- Tuesday: 10 AM – 8 PM
- Wednesday: 8:30 AM – 5:30 PM
- Thursday: 10 AM – 8 PM
- Friday: 8:30 AM – 4:30 PM
- Saturday: 10 AM – 2 PM
- Sunday: Closed
Myles Mortgages Ltd really makes the mortgage process easier to understand. They break down options clearly and help clients weigh the pros and cons.
For first-time buyers, they go the extra mile by explaining eligibility, deposit requirements, and government schemes like Help to Buy or Shared Ownership. It’s a bonus for those who are unfamiliar with the mortgage landscape.
Their hands-on guidance seems to lessen the stress and build confidence, which many clients we spoke with mentioned as a big benefit.
They also specialise in buy-to-let and more complex mortgage cases. Founder Luke Mullin has the experience to help investors handle higher deposits, landlord criteria, and choose the right lenders.
The team is great for self-employed clients too. They know how to manage irregular income documentation to secure competitive deals. It’s something we don’t often see with other brokers.
For minor critiques, we heard a few clients mentioning that appointments may require multiple visits to cover all the details thoroughly. Honestly, it’s still a good thing, but for others, it could feel time-consuming.
Luke and his team were super efficient and professional as always
“The whole process with Luke has been seamless from start to finish. We were worried we maybe short on time, but we needn’t have worried. The whole process moved swiftly. Luke and his team were super efficient and professional as always. 100% recommend Luke Mullin and Myles Mortgages to anyone. Thanks again.”
Leane Roulstone, Google review
We felt comfortable knowing it was in their hands
“Me & my partner used Myles Mortgage to buy our first home, and I cannot thank them enough for what they’ve done. Leigh, especially, who was our assigned mortgage advisor, went above & beyond every time we had questions or were ever unsure of anything, was very prompt at getting back to us and was able to explain everything in detail whenever we needed it. Andrew was a fantastic help in getting our insurance sorted for us; nothing seemed to be a hassle, and we felt comfortable knowing it was in their hands. Cannot recommend them enough.”
Melissa Lillico, Google review
5. Magnetic Mortgage Solutions
Address: Clavering House, Business Centre, Clavering Pl
Phone: +44 191 323 4568
Business hours:
- Monday to Thursday: 8:30 AM – 8 PM
- Friday: 8:30 AM – 6 PM
- Saturday: 9 AM – 1 PM
- Sunday: Closed
We really like how Magnetic Mortgage Solutions works hard to make mortgages less confusing. They really explain things, both in person and through short educational clips on their social media. This makes people feel more confident about their decisions.
Their flexibility is one of their strengths. They help a wide range of clients—from first-time buyers and home movers to people downsizing or those with complex cases.
Fees are very clear: £199 for residential remortgages and £399 for purchases, with adjustments if the case is more complex.
We thought this upfront pricing was a big plus because it removes the guesswork. But for very simple cases, the fee might feel a little high compared to brokers who only take commission from lenders.
Still, you’re paying for tailored support, so many people find it really worth it.
Another thing we noticed is that their support doesn’t stop once you get your mortgage. They also help with switching lenders, releasing equity, and making sure you stay on the best deal over time.
For us, it really makes them stand out, since a lot of brokers focus only on the first transaction.
He made the entire process much smoother and less stressful for us
“As first-time buyers, Niall has been excellent in guiding us through the house-buying journey. From start to finish, he made the entire process much smoother and less stressful for us. Niall is very professional and knowledgeable with mortgages and even managed to find us a better rate a month into working with him. He is incredibly responsive, keeping us informed every step of the way and always available to address any questions or concerns, which is reassuring. I would highly recommend his services.”
Adam, Google review
I highly recommend his services
“Christian is a friendly guy and a great communicator. He helped me purchase a house of multiple occupancy and remortgage a buy-to-let. We had issues when trying to get both of these mortgages sorted, but he went above and beyond to make sure we got them over the line. I highly recommend his services.”
Conor Holmes, Google review