Durham Mortgage Co.

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Durham Mortgage Co.

Welcome to Durham Mortgage Co, we are an independent Mortgage and Insurance specialist �

20/04/2025

HAPPY EASTER 🐰 🍫 🐥 💐
From all the team at Durham Mortgage Co.

01/04/2025

📢 NO JOKES! New Stamp Duty Changes Are Now in Effect! 🏡

As of today, April 1st, 2025, new Stamp Duty Land Tax (SDLT) rules are live — and they could impact buyers across the UK.

Here’s what’s changed:

🔹 Standard Buyers:
You’ll now pay 2% SDLT on property purchases over £125,000 (down from the old £250K threshold).

🔹 First-Time Buyers:
The tax-free threshold has dropped to £300,000, with 5% due between £300K–£500K.
(Previously, you could buy up to £425K without paying a penny.)

🔹 Additional Properties:
The 3% surcharge will now be 5% for second homes and buy-to-lets.

💰Example:
Buying at £295,000? You’ll now pay £4,750 in SDLT — that’s £2,500 more than before April 1st!

If you’re planning to buy in 2025, it’s more important than ever to budget for these new tax rates — and get tailored advice before you make a move.

📩 Book your FREE mortgage consultation today!

Looking for an appointment to fit around work or home life? We can accommodate evening or weekend calls ✅

Currently looking for a mortgage? Speak to the experts today! We have access to 1000's of rates and over 100 lenders 🏡 🔎

We offer a FREE no obligation initial appointment to understand your circumstances.
Get in touch to see how we can help you!

Contact us on:
✉️ Message us direct | [email protected]
☎️📱 Call 0191 916 9365
📱💻 www.durham-mortgage.co.uk

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH THE REPAYMENTS
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME

30/03/2025

🌷 Happy Mother’s Day 🌷

Today we celebrate the incredible women who’ve shaped our lives—mums, grandmothers, mother figures, and those we remember with love.

To the mums who are with us, and those who live on in our hearts—thank you.

13/03/2025

🏡 SELF-EMPLOYED -TRUE OR FALSE? 🏡

Let’s bust some mortgage myths! 🚀👇

❓ "I need 3 years of business accounts to get a mortgage."
🙋‍♀️ FALSE – Most lenders require 2 full years of tax calculations, but some will accept just 1 year! 😊

❓ "I’m employed by my limited company, which I own 100%, so lenders will treat me as employed."
🙋‍♀️ FALSE – If you own more than 20% shares in a limited company, lenders will treat you as self-employed.

❓ "It’s harder to get a mortgage if I’m self-employed."
🙋‍♀️ FALSE – You may need different documents to prove your income over a longer period, but it’s not harder—we work directly with lenders to find the right solution for you! 😊

❓ "I should book a free appointment to discuss my mortgage options."
🙋‍♀️ ✅✅✅✅✅✅✅ 100% TRUE! 👍🏼 We will assess your personal circumstances, match you with the right lender, and make expert recommendations tailored just for you. 🏡😊

📩 Book your FREE mortgage consultation today!

Looking for an appointment to fit around work or home life? We can accommodate evening or weekend calls ✅

Currently looking for a mortgage? Speak to the experts today! We have access to 1000's of rates and over 100 lenders 🏡 🔎

We offer a FREE no obligation initial appointment to understand your circumstances.
Get in touch to see how we can help you!

Contact us on:
✉️ Message us direct | [email protected]
☎️📱 Call 0191 916 9365
📱💻 www.durham-mortgage.co.uk

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH THE REPAYMENTS
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME

28/02/2025

HAVE YOU GOT MORTGAGE QUESTIONS?... 🤯❓

We're here to answer all you mortgage & insurance questions. Whether you're a first time buyer or experienced property landlord, we're here to help you along on your journey.

We welcome every single query. Got a burning question? Let's chat and turn uncertainty into confidence. 💬

Looking for an appointment to fit around work or home life? We can accommodate evening or weekend calls ✅

Currently looking for a mortgage? Speak to the experts today! We have access to 1000's of rates and over 100 lenders 🏡 🔎

We offer a FREE no obligation initial appointment to understand your circumstances.
Get in touch to see how we can help you!

Contact us on:
✉️ Message us direct | [email protected]
☎️📱 Call 0191 916 9365
📱💻 www.durham-mortgage.co.uk

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH THE REPAYMENTS
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME

06/02/2025

🏦 BANK OF ENGLAND NEWS 🏦

The Bank of England has just reduced the base rate from 4.75% to 4.5%, marking its third rate cut since 2020! 📉

This could ease the pressure to many borrowers, including mortgage holders, who have faced higher costs in recent years.

📢 Thinking about remortgaging, buying or moving? Now could be the time to review your options!

Looking for an appointment to fit around work or home life? We can accommodate evening or weekend calls ✅

Currently looking for a mortgage? Speak to the experts today! We have access to 1000's of rates and over 100 lenders 🏡 🔎

We offer a FREE no obligation initial appointment to understand your circumstances.
Get in touch to see how we can help you!

Contact us on:
✉️ Message us direct | [email protected]
☎️📱 Call 0191 916 9365
📱💻 www.durham-mortgage.co.uk

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH THE REPAYMENTS
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME

23/01/2025

🏡 DURHAM MORTGAGE CO NOW OPEN FOR BUSINESS! 🙌🏻

NEED HELP WITH YOUR MORTGAGE? 🏡

Contact Durham Mortgage Co, the home for mortgage & insurance advice in Durham & County Durham 🙌🏻

We can help with the following:

🏡 Residential Mortgages - First time buyers, Remortgages & Home Movers

🏡 Buy-to-Let Mortgages - First time landlords, Remortgages & Portfolios

🏡 Commercial Mortgages - Commercial properties & Semi-Commercial properties

🏡 Bridging Finance

🏡 Specialist Mortgages - Adverse credit, Self-employed & Second charge mortgages

🏡 Protection & General insurance

We are on hand to help guide you through the mortgage process, product and rates available to your current circumstances. Stress-free process!

Get in touch to book your FREE mortgage appointment to see how we can help you!

Contact us on:
✉️ Message us direct | [email protected]
☎️📱 Call 0191 916 9365
📱💻 www.durham-mortgage.co.uk

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH THE REPAYMENTS
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME

Address

Durham

Telephone

+441919169365

Website

https://durham-mortgage.co.uk/

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