TS5 Mortgages
Middlesbrough
Mortgage advice covering bad / adverse credit, self-employed, first-time buyers and 3 more. TS5 Mortgages has not recorded a fee structure.
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About TS5 Mortgages
Craig Gregory is a mortgage adviser based in Middlesbrough, covering Teesside and the surrounding area. He specialises in home purchases and remortgages, with particular experience helping first-time buyers get onto the property ladder. Craig also works with clients who have adverse credit histories or are self-employed, helping navigate cases that don't always fit a standard mortgage application. He does not offer advice on commercial mortgages or commercial lending, focusing solely on personal mortgage advice.
From this firm's public listing.
What this broker covers
From the areas recorded here.
TS5 Mortgages records 6 areas of advice from its base in Middlesbrough: bad / adverse credit, self-employed, first-time buyers, residential, variable rate and fixed rate.
Covering both adverse credit and self-employed lending is the harder end of the market — those two together are exactly the cases high-street lenders turn away, and they need a broker who knows the specialist panel.
Bad / Adverse Credit
Adverse credit work means the firm places cases that high-street lenders decline — defaults, missed payments, CCJs, IVAs and discharged bankruptcies. Lenders in this space price by how recent and how severe the event was, so the date on your credit file matters more than the amount.
Read the bad / adverse credit guideSelf-Employed
Self-employed cases turn on how a lender reads your income. Some average two or three years of accounts, some use your latest year, and sole traders, limited-company directors and day-rate contractors are all assessed differently. A firm that does this regularly knows which lenders sit where.
Read the self-employed 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. Adverse credit is also covered, which is the usual sticking point on a first application.
Read the first-time buyers guideResidential
Standard residential advice covers buying, moving and remortgaging on your own home — the bulk of UK mortgage lending, and the area where switching deal at the right moment usually saves the most. Here that runs alongside adverse-credit work, so it covers people a high-street lender has already turned down.
Read the residential guideVariable Rate
Variable-rate products let the lender change your payment at their discretion rather than in step with the base rate, which makes the terms of the specific product more important than the rate on offer today.
Read the variable rate guideFixed Rate
Fixed-rate advice is about matching the length of the deal to your plans: a payment that cannot move, in exchange for early repayment charges if you leave before the end.
Read the fixed rate 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. Adverse-credit cases take considerably more work, and some firms charge for them even when standard cases are free.
Fee-free vs fee-charging brokers, compared →Checking this firm on the FCA register
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Questions to ask TS5 Mortgages
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?
- 3Given what is on my credit file and when it happened, which lenders would consider me, and roughly how much more will that cost than a high-street rate?
- 4How will lenders read my income — salary plus dividends, net profit, or day rate — and do you work with lenders that use my latest year rather than an average?
- 5What deposit do I realistically need for the properties I am looking at, and which schemes am I actually eligible for?
- 6Based on my income and commitments, what is the realistic maximum here, and when should I be starting the next remortgage?
- 7Do you see clients at your Middlesbrough office, or is this handled by phone and video?
Getting in touch with TS5 Mortgages
TS5 Mortgages 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 TS5 Mortgages charge for mortgage advice?
Not recorded on this listing — ask TS5 Mortgages directly, as it must tell you before you commit. Adverse-credit cases take considerably more work, and some firms charge for them even when standard cases are free.
What types of mortgage does TS5 Mortgages handle?
TS5 Mortgages records bad / adverse credit, self-employed, first-time buyers, residential, variable rate and fixed rate, working from Middlesbrough. Ask anyway if your case sits outside that list.
Can TS5 Mortgages help if I have bad credit?
TS5 Mortgages lists adverse credit as an area it covers, which means it places cases involving defaults, missed payments, CCJs or an IVA. Bring the dates and amounts from your credit file to the first conversation — specialist lenders price on how recent the event was, so an adviser cannot give you a realistic answer without them.
Does TS5 Mortgages only cover Middlesbrough?
TS5 Mortgages 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.