313 Financial

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313 Financial We are a mortgage and insurance broker that work hard to simplify the mortgage process and build great relationships with our clients.

313 Financial help you protect what matters
most - offering trusted advice on mortgages, life insurance, wills and trusts, critical illness cover and income protection. We have a process in place that is simple and effective. Appointments can be arranged at our office, online or at the comfort of your own home and our brokers are on hand 7 days a week to answer any questions you may have throughout your journey. And whilst you will always have your broker on hand, we employ a team of professionals to keep a constant eye on your application. Who will be communicating with all parties on your behalf to ensure things are turned around as quickly as possible. To make things even better, our compliance team make sure that the advice you receive is right for you and make sure the product you receive suits your needs and requirements.

Nearly HALF of solo mortgage buyers skip this vital step! 🤯It's true, almost 49% of people buying a home on their own do...
18/10/2026

Nearly HALF of solo mortgage buyers skip this vital step! 🤯

It's true, almost 49% of people buying a home on their own don't think about income protection.

But what happens if you can't work? Your mortgage payments, bills, and everyday costs don't stop.

Income protection is designed to pay out a portion of your salary if you're unable to work due to illness or injury.

It's a safety net that gives you peace of mind, so you can focus on getting better without financial worries.

Let's make sure you're covered

Ignored a parking ticket? 🎟️It might feel like a small thing to put off, but leaving it unpaid can cause the debt to gro...
15/10/2026

Ignored a parking ticket? 🎟️

It might feel like a small thing to put off, but leaving it unpaid can cause the debt to grow. 📈

If it ends up as a County Court Judgment (a legal record showing you owe money), that's a different story.

A CCJ can show up on your credit file and may affect your mortgage options down the line. The ticket itself isn't really the problem. It's what happens when a debt gets ignored and left to escalate.

And if you already have a CCJ, don't panic. A resolved one is viewed very differently, and we know which lenders see it that way too 💪🏼

Speak to us, we're happy to talk it through. 📞

Your property may be repossessed if you do not keep up repayments on your mortgage.

14/10/2026

It's like they say: if you love something, let it go; if it's meant to be, it'll come back! 🪃

And guess what? They're back!

Your property may be repossessed if you do not keep up repayments on your mortgage.

Ever imagined paying less on your mortgage than you do in rent right now? 🤔For plenty of people, that's exactly what's h...
12/10/2026

Ever imagined paying less on your mortgage than you do in rent right now? 🤔

For plenty of people, that's exactly what's happening thanks to 0% deposit mortgages. 🏡

There's a common belief that you need a big lump sum saved up before you can even think about buying. That's not always true anymore.

These mortgages are helping more people become homeowners, sometimes with monthly payments lower than their rent.

We keep on top of these products and what's needed to qualify, so you don't have to.

If you're wondering whether this could work for you, speaking to us is a good place to start.

We'll do the digging and explain it all in a way that actually makes sense. 📞

Your property may be repossessed if you do not keep up repayments on your mortgage.

We don't really like to brag, but we'll definitely let our clients do it for us 😉We always say we'll search the market h...
11/10/2026

We don't really like to brag, but we'll definitely let our clients do it for us 😉

We always say we'll search the market high and low to find a deal tailored to you, and this time we got our client the best deal available 🤩

Your property may be repossessed if you do not keep up repayments on your mortgage.

10/10/2026

Getting mortgage-ready isn’t just about saving a deposit. 🏠

Your everyday finances can form part of how a lender assesses your application, so it’s worth making sure your spending habits and commitments are in good shape before you apply.

A little preparation ahead of time can help you understand what might need attention and avoid unnecessary surprises during the mortgage process.

Planning to buy your first home? Start getting mortgage-ready early. 📲

Your property may be repossessed if you do not keep up repayments on your mortgage.

If you're a FTB aka First-time Buyer, this one's for you!AIP or DIP is an Agreement in Principle or Decision in Principl...
09/10/2026

If you're a FTB aka First-time Buyer, this one's for you!

AIP or DIP is an Agreement in Principle or Decision in Principle. It's an early indication of what you may be able to borrow. 📄

LTV? That's Loan to Value. This is the percentage of the property's value you're borrowing, the rest being your deposit.

Equity is the slice of the property you actually own, once the mortgage is taken off the value.

SVR stands for Standard Variable Rate. The rate you could land on once your deal ends. 🗓️

ERC is an Early Repayment Charge. A fee that can apply if you leave your deal early.

BTL, Buy to Let. A mortgage for a property you're planning to rent out. 🏢

DMP, Debt Management Plan. A setup to help manage existing debts.

Feeling clearer already? 🙌

If you're looking to buy your first home or remortgage, reach out and we'll talk it through in plain English.

Your property may be repossessed if you do not keep up repayments on your mortgage.

08/10/2026

Moving home often means reviewing the mortgage, but what about the protection sitting alongside it? 🏠

A bigger mortgage, different term or change in circumstances could all mean your existing life cover needs a second look.

It’s easy to focus on the excitement of the move and leave protection until later, but checking everything before you complete can help make sure your cover still reflects your plans.

New home on the horizon? Make protection part of the checklist. 📲

07/10/2026

It's the same sort of lie you hear from your mate who says "I'm never drinking again" after they wake up with a hangover 😂

Your property may be repossessed if you do not keep up repayments on your mortgage.

After the Bank of England meeting, we all breathed a huge sigh of relief after hearing that the base rate has stayed the...
06/10/2026

After the Bank of England meeting, we all breathed a huge sigh of relief after hearing that the base rate has stayed the same, but that doesn't mean we're totally out of the woods! 😮‍💨

Even though the base rate has stayed the same, interest waits for no man, and a fixed rate could still offer you much-needed breathing room.

Choosing a fixed rate locks in your monthly payment for an agreed period. That means no surprises while it's in place, even if rates or the cost of living move elsewhere. 🗓️

It won't always be the cheapest choice, and the length you pick matters too.

A longer fix brings more certainty. A shorter one gives you a chance to review sooner.

Fees, early repayment charges and flexibility all play a part, not just the rate itself. 💷

If your current deal is ending soon, it's worth looking at your options early.

Speak to us to see what could work for your situation. 📲

Your property may be repossessed if you do not keep up repayments on your mortgage.

Source: https://www.theguardian.com/money/2026/sep/03/uk-mortgage-borrowers-brace-for-rate-jump-global-bond-sell-off

Address

107a High Street
Durham
DH11BQ

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+441913498369

Website

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