The Original Mortgage Company Ltd
Middlesbrough
Mortgage advice covering commercial, help to buy, buy-to-let and 1 more. The Original Mortgage Company Ltd has not recorded a fee structure.
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About The Original Mortgage Company Ltd
The Original Mortgage Company Ltd is a UK mortgage broker based in Middlesbrough. Its website describes mortgage advice for buy-to-let, first-time buyers, commercial finance. Its website publishes FCA regulatory details.
From this firm's public listing.
What this broker covers
From the areas recorded here.
The Original Mortgage Company Ltd records 4 areas of advice from its base in Middlesbrough: commercial, help to buy, buy-to-let and first-time buyers.
Running commercial alongside buy-to-let usually points at landlord and business-owner clients — semi-commercial units, HMOs and portfolios rather than single flats.
Commercial
Commercial mortgages are underwritten case by case rather than from a rate table. Lenders look at the trading business behind the purchase, the property type and your experience, and terms are negotiated rather than advertised.
Help to Buy
Help to Buy cases now mostly mean people who already hold an equity loan and need to remortgage, staircase out of it, or sell. The equity loan has to be repaid at the property's current value, not what you borrowed.
Read the help to buy guideBuy-to-Let
Buy-to-let borrowing is capped by a rental stress test rather than by your salary, and the sums differ sharply between personal ownership and a limited company. Portfolio landlords with four or more mortgaged properties face extra underwriting. Alongside commercial lending, that points at semi-commercial units and HMOs rather than single flats.
Read the buy-to-let guideFirst-Time Buyers
First-time-buyer work means walking someone through it from scratch: what deposit is realistic, what an agreement in principle is worth to an estate agent, which schemes still exist and what lenders will ask to see. Help to Buy is listed too, which matters if you are buying from someone still holding an equity loan.
Read the first-time buyers guideFees: what this means for you
Fees not specified
We hold no fee structure for this listing, so we cannot say either way — the tailored questions below cover what to ask. Commercial cases are frequently priced separately from residential ones, so confirm which applies to you.
Fee-free vs fee-charging brokers, compared →Checking this firm on the FCA register
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We hold no Firm Reference Number for this listing and have not verified the firm. Check the name on the FCA register before taking advice.
Questions to ask The Original Mortgage Company Ltd
Tailored to this listing.
- 1How many lenders can you recommend from — the whole market, a limited panel, or a single lender?
- 2Do you charge a broker fee? If so, how much, and when is it due?
- 3What deposit, trading history and security will a commercial lender want from me, and how long does a decision usually take?
- 4What are my options for the equity loan — repay it, remortgage around it, or leave it in place — and what does each cost?
- 5How does the rental stress test change what I can borrow, and would buying through a limited company work out better for me after tax?
- 6What deposit do I realistically need for the properties I am looking at, and which schemes am I actually eligible for?
- 7Do you see clients at your Middlesbrough office, or is this handled by phone and video?
Getting in touch with The Original Mortgage Company Ltd
The Original Mortgage Company Ltd lists a phone number, an email address and its own website, so use whichever suits.
- First conversations are free and non-committal.What a broker does
- Bring payslips, statements, existing mortgage details.Document checklist
- Compare two or three brokers.How to choose
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Frequently asked questions
What does The Original Mortgage Company Ltd charge for mortgage advice?
Not recorded on this listing — ask The Original Mortgage Company Ltd directly, as it must tell you before you commit. Commercial cases are frequently priced separately from residential ones, so confirm which applies to you.
What types of mortgage does The Original Mortgage Company Ltd handle?
The Original Mortgage Company Ltd records commercial, help to buy, buy-to-let and first-time buyers, working from Middlesbrough. Ask anyway if your case sits outside that list.
Does The Original Mortgage Company Ltd arrange commercial mortgages?
The Original Mortgage Company Ltd lists commercial lending as an area it covers. Commercial terms are quoted case by case, so expect to share business accounts, details of the property and your trading history before anyone gives you a rate. There is no published rate to compare against, which makes broker access to lenders more important than on a residential deal.
Does The Original Mortgage Company Ltd only cover Middlesbrough?
The Original Mortgage Company Ltd is listed in Middlesbrough, but UK brokers are not restricted to their own area and most advise nationally by phone or video. You can also compare other mortgage brokers in Middlesbrough on MortgageMatch.
MortgageMatch is a directory, not a broker. We do not give advice. Your home may be repossessed if you do not keep up repayments.