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Whitley bay based mortgage broker With a passion for helping people achieve their homeownership dreams, I am a dedicated mortgage advisor based in Whitley Bay.

Whether you're a first-time buyer, looking to remortgage, or expanding your property portfolio, I provide expert, tailored advice to make the mortgage process smooth and stress-free. With access to whole of market providers, I take the time to understand your needs and financial goals, ensuring you receive the best possible mortgage solution. Proud to serve the local Whitley Bay community, I offer friendly, transparent guidance and a commitment to making home financing simple and accessible. Let’s find the right mortgage for you—get in touch today! Treehouse Mortgages Limited is an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. Registered in England & Wales. NO. 10432900. C/O Fitton & Co Callis Mill, Woodland View, Hebden Bridge, HX7 6PJ.

02/11/2026

Full review:

I just want to say a huge thank you to James for making what I thought was impossible, possible!

As a single parent with only a very small deposit, I honestly never thought I’d get the chance to get my foot on the property ladder. But James never gave up, even when I nearly did!

Thanks to his hard work, patience and determination, he secured me a mortgage, and now my children and I have a place we can finally call our own.

Nothing was ever too much trouble, no question was ever too silly (and believe me, there were plenty of random ones!) James was always on hand to help, reassure me and talk me through every step of the process.

I genuinely can’t thank him enough. He’s an absolute legend!! I wouldn’t hesitate to recommend him to anyone looking for a mortgage broker.

James, you’ve helped make a dream come true for me and my children, and that means more than you’ll ever know. Thank you!

31/10/2026

Hope you all have a spooktacular Halloween!

30/10/2026

Halloween fun at Treehouse mortgages

28/10/2026

Ever felt like the property ladder is missing a few rungs?

We get it. Being a First Time Buyer is exciting, but the jargon can be overwhelming. At Treehouse Mortgages, we’re all about keeping things clear, personable, and—most importantly—simple.

Here is what you actually need to know before you view that first house:

Get a ‘Decision in Principle’ first. It shows sellers you’re serious and ready to move.

Look past the grey walls. You can change the carpet, but you can’t change the location. Focus on the bones of the house!

Don’t do it alone. A personal service means having someone to text when you’re stressed at 8 PM on a Tuesday. That’s where we come in.

Buying a home is a huge leap, but you don’t have to jump in the dark.

Tag a friend who is currently house hunting!

Your property may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice, the exact amount will be based on your circumstances. FCA Number: 849040.

26/10/2026

He’d just gone self-employed. One year of accounts. 5% deposit. And every lender he spoke to told him the same thing — come back in a year.

He didn’t want to wait a year. He wanted a home now.

The two-year accounts rule catches out so many people who have done exactly the right thing. They’ve taken the leap, built something real, and are earning well. But the way most lenders read the paperwork, none of that matters until you’ve been doing it long enough.

Here’s what most people don’t realise. Not every lender works that way. Some will look at one year of strong accounts. They’ll assess the trajectory of the business, the stability of the income, and whether the mortgage is actually affordable — rather than just checking a box.

That’s exactly what we did here. His income was solid. His business was growing. His outgoings were manageable. We found a lender who could see the full picture, worked with his 5% deposit, and said yes.

If you’ve recently gone self-employed and been told to wait — please get in touch before you accept that as the final answer.

One year of accounts is not always a dead end. You just need someone who knows which lenders will look past the rulebook.

No obligation. No jargon. Just an honest conversation about what is possible for you right now.

Your property may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice, the exact amount will be based on your circumstances. FCA Number: 849040.

22/10/2026

It’s so easy to spend hours browsing property apps, wondering if you can actually afford what you’re looking at. But before you start booking viewings, here is the simple 3-step ladder to get you moving:

Step 1: Work out what you can borrow (without guessing). Lenders look at more than just your salary; your everyday spending and commitments count too.

Step 2: Get an DIP (Decision in Principle). This is a statement from a lender showing what they may be willing to lend you. Estate agents love seeing this before you view!

Step 3: Get your documents in order. Gather three months of payslips, bank statements, and your ID so you’re ready when the right place appears.

At Treehouse Mortgages, our job is to make your journey calm, simple, and jargon-free.

FCA: 849040. Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

20/10/2026

A new way to remortgage has just launched…

If your fixed rate is coming to an end, there’s now another reason to review your options rather than automatically staying with your current lender.

One of the market leading lenders has become the first to launch a Fast-Track Remortgage service, designed to make switching lenders much quicker for eligible customers, completing in as little as 5 days.

Traditionally, moving your mortgage to a new lender can take several weeks from application through to completion, which can sometimes make staying with your existing lender feel like the easier option.

If your mortgage deal is ending soon, even if I’ve never helped you before, get in touch. I can review your current lender’s options alongside what else is available across the market.

Fast-Track Remortgages are only available on eligible cases and are subject to lending criteria, affordability and other checks. Timescales are not guaranteed.

Homeowners MortgageOptions

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

16/10/2026

I recently had a client come to me after looking for a home for ages! But they had eventually found their dream home, a new build in the perfect area!

The builder convinced her to talk to their mortgage brokers (even when she said she had one) and they sent her away as they couldn’t make it work.

Her income was good and monthly payments were affordable, but we had to find a lender who recognised that.

So thats what we did, we found the one that worked for her so she could achieve that dream!

YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.
A FEE MAY BE CHARGED FOR MORTGAGE ADVICE. THE EXACT AMOUNT WILL DEPEND ON YOUR CIRCUMSTANCES.

Higher income multiples are subject to eligibility criteria.

14/10/2026

A few big lenders have reduced their rates today! Hopefully a sign others will follow suit!

12/10/2026

I had a young first time buyer come to me wanting to move out of his parents house. He was working two jobs to save as much money as he could and juts wanted his own space.

He was worried about buying something he would outgrow. We found a lender who was happy with both incomes so he could purchase the house he wanted, not just settle for something for now.

YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.
A FEE MAY BE CHARGED FOR MORTGAGE ADVICE. THE EXACT AMOUNT WILL DEPEND ON YOUR CIRCUMSTANCES.

Address

Whitley Bay
NE261AL

Telephone

07707267606

Website

http://www.treehousemortgages.com/

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