Mortgage Advice

Finding the right mortgage can be just as important as finding the right property. Whether you are a first-time buyer, moving home or looking at a buy-to-let, getting the right advice early makes the whole process smoother.

We work with trusted independent mortgage advisers who can search the market on your behalf, explain your options clearly, and help you find a deal that suits your circumstances. And unlike going direct to a bank, an independent adviser has access to a wide range of lenders, not just one.

First-Time Buyers

Buying your first home is a big deal, and the mortgage process can feel complicated when you have never done it before. How much can you borrow? What does a deposit really mean? What is the difference between a fixed and variable rate?

A good mortgage adviser will walk you through all of this in plain English, help you understand what you can realistically afford, and get you an agreement in principle before you start viewing properties. That way, when you find the right home, you are ready to move quickly.

Moving Home

If you are moving to a new property, your existing mortgage may or may not be portable. In some cases it makes sense to carry it over; in others, switching to a new deal could save you money. A mortgage adviser will review your current arrangements and help you make the right call.

Remortgaging

If your fixed rate is coming to an end or you think you could be on a better deal, remortgaging could save you a significant amount over the course of your mortgage. It is worth getting advice before your current deal expires, rather than automatically rolling onto the lender’s standard variable rate.

Buy-to-Let Mortgages

Buy-to-let mortgages work differently from residential mortgages. The amount you can borrow is typically based on the rental income the property is expected to generate, and the deposit requirements are generally higher.

If you are thinking about investing in a rental property in County Durham, our lettings team can give you a realistic picture of the rental market and likely yields, while a specialist mortgage adviser can help you structure the purchase in the most effective way.

Mortgage Calculator

Purchase Price (£) Deposit Amount (£) Interest Rate (%) Repayment Period (years)

Ready to talk mortgages?

Get in touch and we will put you in touch with our trusted mortgage partners.

      EXCELLENT  
   Based on 257 reviews 
    
 
 
 
   
 
 
       Tan N 
 2 days ago
 
 
  We viewed a property that was listed on Sylvester Properties and from the initial conversation woth Anna and to the first viewing with Katherine everything was explained and we were allowed to take our time to view. This gave us the time to get a feel if it would be our long term home. From that first visit to the second, the home has now become our long term home. Sylvester advised us along the way, gave us full updates on progress and helped us seal the sale. Id definitely recommend Sylvester and the lovely team.

Thanks so much again to everyone at Sylvester Properties.
  
 
      Rachel Kalogirou 
 2 days ago
 
 
  Thank you so much to Becky and the team at Sylvester Properties on the purchase of my new first home.
The girls are extremely helpful and offer an excellent service from viewing properties to helping with the completion! Highly recommended!
  
 
      Jacqui Johnson 
 4 days ago
 
 
  Great job from Anna and the team from Sylvester Properties on selling my Aunt's house. What could easily have been a very stressful process, was made relatively easy.  From the valuation to completion, they kept us informed every step of the way. I would absolutely recommend them if you're buying or selling a property. Well done to all involved.
  
 
      Sergio Celant 
 7 days ago
 
 
  Lovely people, professional friendly and courteous, would highly recommend.
  
 
      James Hepple 
 18 days ago
 
 
  Katherine, Anna, and the whole team at Sylvester have been nothing less than amazing throughout the entire process of selling our house. I’m not planning on moving again, but if I did, I’d not hesistate to list with and use them again. They’ve made what is a messy, drawn out process feel much easier and I can’t thank them enough.
  
 
      Lynne Fawcus 
 31 days ago
 
 
  Just sold my family house through Sylvester Properties. The service provided by Anna and Katherine was fantastic. They made the process so much easier, ensured that they were in contact with all parties on a regular basis and kept me updated. I would recommend this business and team to anyone selling their property
  
 
      Graeme “Sad Panda” Brough 
 35 days ago
 
 
  A transparent, polite and friendly service.  Great communication and always professional.  Grateful that you put the effort in for us securing our first home.  Many thanks
  
 
      5magpies 
 38 days ago
 
 
  We recently had the pleasure of experiencing the support,guidance and help from Anna and the team at Sylvester Properties.
Although we were purchasing a property which they held on their books we were genuinely grateful for their action throughout the purchasing stages which afforded a smooth transition.
Should we consider selling in the future we would not hesitate to seek their help and would be willing to highly recommend them to our friends and family.
A very big thank you goes out  to the whole Team.Bill & Alli.
  
 
      Amy Coulson 
 38 days ago
 
 
  I had a great experience with Anna @ Sylvesters. As a first time single buyer it was quite daunting going into this experience but Anna kept me so well informed from the very first viewing right up until move in day. Absolute gem, thankyou 🤍
  
 
      John Halpin 
 62 days ago
 
 
  First class serv very professional highly recommended