313 Financial

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 through

out 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.

03/09/2026

Contractor? Your income could be assessed differently depending on the lender. 🤔

Some lenders use your day rate, while others assess contractors like they're self-employed. Choosing the right lender can make a big difference to how much you could borrow.

Get in touch and we'll help you find the right fit. ☎️

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

Buyers, your time to consider a property move might be now. 🏡UK annual house price growth is the slowest since 2023.This...
02/09/2026

Buyers, your time to consider a property move might be now. 🏡

UK annual house price growth is the slowest since 2023.
This brings a more stable market, not necessarily falling prices. 📉

However, compared to rising rents, buying can look more attractive.

This stability also means more time to calmly explore your choices. ⏰

We're also seeing new mortgage products emerging! 🤩
Think low deposits, green mortgages, and flexible gifted deposit rules.

Our team is here to help you understand all your options.

We'll research suitable options, making it simple for you.
Ultimately, your affordability and the product you choose matter more than market timing. 💪

Let's chat about your possibilities today. 📱

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

01/09/2026

You don't always need to clear your debt before applying for a mortgage. 🏡

Every lender has different affordability criteria, so one rejection or piece of advice doesn't tell the whole story.

A second opinion could save you time, money and even your purchase.

Get in touch and let's explore your options. 📲

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

Any day is a great excuse to put the kettle on and settle down with a warm brew. ☕️Especially when thinking about your n...
31/08/2026

Any day is a great excuse to put the kettle on and settle down with a warm brew. ☕️

Especially when thinking about your next mortgage can feel like a lot to tackle. So, what if you could get the ball rolling over a cuppa?

Our team explores a wider market and does all the homework, helping you understand your suitable options without any of the admin yourself.

We're here to help you get your mortgage sorted in the time it takes to finish a cuppa! 🙌

Book a chat with us today. 📲

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

30/08/2026

One thing about us? We won't let you fall for those tricks!

27/08/2026

They say good things come to those who wait but that may not apply to waiting out house prices. Waiting for the "perfect time" to buy could end up costing more than you think. 🏡

While you've been waiting, you've still been paying rent, and property prices may have continued to rise.

The best time to explore your options is before you rule yourself out. ⏰

Get in touch and let's see where you stand. ☎️

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

Your mortgage isn't just a piece of paper; it's a commitment that lasts for decades. 🤔It's easy to assume your current b...
26/08/2026

Your mortgage isn't just a piece of paper; it's a commitment that lasts for decades. 🤔

It's easy to assume your current bank's offer is the only one, or even the most suitable one for you.

What many don't realise is that a huge market of lenders exists beyond the high street, each with their own rates and approach.

Some might be more understanding if your credit history isn't perfect, others could offer lower deposit mortgages, or simply more competitive interest rates. 🏡

That's where our team steps in.

We do the sums and comparisons, sifting through options from a wide range of lenders to find suitable options for your unique circumstances. 💪

Let's chat about your options. 📱

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

25/08/2026

Your current lender isn't always your only option. 🏡

When your fixed rate ends, your lender may reassess your circumstances before offering you a new deal.

If things have changed, don't panic. Another lender could be a better fit. 🤔

We'll compare the market and help you find the right mortgage before your current deal expires.

Get in touch today. 📲

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

When you share a home and a mortgage or rely on each other’s income, protection is worth discussing. 🏠It’s not the most ...
24/08/2026

When you share a home and a mortgage or rely on each other’s income, protection is worth discussing. 🏠

It’s not the most romantic topic, but it’s crucial when building a life together.

What would happen to your mortgage if one of you died?

Or if one of you became seriously ill and couldn’t work? 😟

Life insurance, critical illness cover, and income protection can shield against different risks.

Life insurance is the type most people are familiar with, and it pays out a lump sum after the policyholder has passed away. 💔

CIC also pays out a lump sum, but this happens after diagnosis of a serious illness like stroke, a heart attack, or cancer. 🎗️

Income protection is a little different; it could provide a portion of your monthly salary for the duration of your illness. 💷

Your cover should reflect your mortgage, income, and family circumstances.

It’s about preparing for the unexpected, not expecting the worst.

Have THE talk, then speak to us about your options.

Get in touch today. 📲📲

22/08/2026

Interest-only mortgages are a hot topic but they aren't just for property investors. 🏡

With an interest-only mortgage, your monthly payments cover the interest rather than reducing the loan itself. 💷

That can mean lower monthly repayments, but you'll need a clear plan for repaying the original loan at the end of the term.

They're not suitable for everyone, but they can be the right solution in certain circumstances.

Get in touch and we'll help you explore your options. ☎️

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

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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