We are not a high street branch and we do not pretend to be. Most of our Newcastle upon Tyne clients deal with us by phone, video call and email, which suits busy people who would rather sort their mortgage in an evening than take a morning off work. The lender's valuer, your solicitor and the estate agent do the local legwork, and we coordinate all of it. These are the areas where we are most often helping people buy, move and remortgage.
Newcastle city centre and the Quayside
Apartments around Grey Street, the Quayside and Stephenson Quarter are popular with professionals and investors. Lenders treat flats above commercial units and taller blocks differently, so we check the criteria before you make an offer rather than after.
Jesmond, Sandyford and Gosforth
Jesmond and Sandyford are student and young professional territory with strong buy to let demand. Gosforth and Kingston Park attract families moving up the ladder who want good schools and a quick Metro run into Newcastle upon Tyne.
Heaton, Byker and Ouseburn
Heaton's Tyneside flats are a first time buyer favourite and a landlord staple, and we know which lenders are comfortable with them. Ouseburn has become one of the most creative corners of the North East, and we regularly arrange mortgages on converted and new build apartments there.
Fenham, Benwell and the West End
Some of the most affordable homes in Newcastle upon Tyne sit in the West End, which makes it a common starting point for first time buyers with a modest deposit and for landlords chasing yield. Prices here mean a 5% deposit is a realistic target for a lot of people.
Gateshead, Low Fell and Whickham
Across the Tyne, Gateshead offers terraces, semis and new builds at prices below the Newcastle average, with Low Fell and Whickham particularly popular with families. Gateshead Quays and the area around the Baltic and the Glasshouse are drawing more buyers every year.
North Tyneside: Tynemouth, Whitley Bay and North Shields
The coast has boomed. Tynemouth and Whitley Bay command a premium, North Shields and Wallsend offer better value, and all of them are on the Metro into Newcastle upon Tyne. We help a lot of home movers and remortgage clients along this stretch.
South Tyneside: South Shields, Jarrow and Hebburn
South Shields is another affordable option with the coast on the doorstep and the Tyne Tunnel and Metro for commuting. First time buyers and buy to let landlords make up most of the people we help in South Tyneside.
Sunderland and Washington
Sunderland has some of the lowest average prices in Tyne and Wear and a growing jobs market around the Nissan plant and the city centre. Washington sits neatly between Sunderland, Gateshead and Durham for commuters, and new build estates there are popular with first time buyers.
Northumberland commuter towns
Cramlington, Morpeth, Ponteland and Hexham draw families out of Newcastle upon Tyne for space and schools. Ponteland is one of the highest value areas in the North East, so larger loans and higher earner criteria often come into play.
County Durham
Chester le Street, Durham city and Consett are all within easy reach of the Tyne and popular with buyers priced out of Newcastle. The lending criteria are the same, the prices are often kinder, and the mortgage advice is exactly the same fee free service.
Protecting your home and the people in it
Getting the mortgage is half the job. The other half is making sure the people you love could keep the house if something happened to you. We look at protection with every client, not as an upsell but because we have seen what happens when it is missed.
Life cover pays off the mortgage if you die during the term. Critical illness cover pays a lump sum if you are diagnosed with a serious condition. Income protection replaces part of your salary if you cannot work through illness or injury, which for most working families is the cover that matters most. We also arrange buildings and contents insurance, which the lender will expect to be in place from exchange.
You are never obliged to take cover through us. We simply explain what each policy does, what it costs and whether you already have something through work, then leave the decision to you.
Why people across the North East choose us
We are a small, family run business and you deal with the same adviser from your initial enquiry to completion, not a call centre. Everything we recommend is reviewed against your personal circumstances and explained in plain English, and our clients have reviewed us at 5 stars for exactly that reason. Read our reviews and the same words keep coming up: friendly, honest, quick.
Alexander Southwell Mortgage Services Ltd is authorised and regulated by the Financial Conduct Authority, firm reference number 1011890. We are directly authorised, not an appointed representative of a network, which means the buck stops with us. You can check our details on the FCA register at any time.
Ready to start? Book a free, no obligation appointment or call us on 03300 432 428. Tell us a little about your situation and we will come back to you the same working day with a clear idea of what you could borrow and what the monthly repayments might look like. If you would rather do some homework first, our first time buyer, remortgage and buy to let pages explain each service in more detail, and our stamp duty calculator shows what you would pay on a Newcastle purchase.
Your home may be repossessed if you do not keep up repayments on your mortgage. Property figures quoted are from the ONS UK House Price Index for Newcastle upon Tyne and are for general information only, not advice.
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