Welcome to Cooper Rose

Let’s get you that mortgage

Nicola from Cooper Rose Mortgages

Hi I’m Nicola and I’ll be your first point of contact at Cooper Rose. I can’t wait to put you in touch with our friendly, knowledgeable advisors.

P.S. Don’t worry if you’re just starting out, we’re happy to help!

Your mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up payments on your mortgage or any other debt secured against it.

The Financial Conduct Authority does not regulate some forms of Buy to Lets.

First Time Buyer?

Moving Home?

Remortgage?

Buy to Let?

Life Protection?

How It works?

We're ready to help you take the next step

We're aware of how important your mortgage is to your ongoing financial health. If you're at all worried about anything at all, just give us a call. We're happy to advise on your circumstance, no question is too small and definitely not trivial (plus you're safe with us, we've heard it all before 😉).

Step 01 - Get in touch

Call, email or send a message on our social channels. We will be back in touch with you as soon as possible to get some basic info to enable our super star advisors to hit the ground running. 

Step 02 - Let's have a catch up

One of our lovely team (see below) will spend some time getting to know your circumstances. We will then find the most suitable mortgage and protection products based on your circumstances.

Step 03 - Let's get going!

This is the exciting part!... Once you're happy with everything we have presented, we will then send off to the lenders. It won't be long until we have that all important Decision in Principle.

Mortgage FAQs

Questions we get asked a lot

No question is too small and definitely not trivial, so if yours isn’t answered here, just give us a call.

How does using a Newcastle mortgage broker differ from going straight to my bank?

Your bank will look at its own mortgages for you. As a Newcastle mortgage broker, we search a wide range of lenders, including high street and specialist lenders.

We recommend a mortgage that suits your circumstances, then send off the application and deal with the lender for you.

Why choose Cooper Rose as your mortgage broker in Newcastle?

You’ll get to know the people looking after you. Louise and Janet are both CeMAP qualified mortgage and protection advisors, and Nicola is your first point of contact.

We’re based on Kenton Road in Newcastle and we’re here for the long run, so you can come back to the same people when you move or remortgage.

You can read what our clients say in the Google reviews further down this page.

How do I pick the right mortgage for my circumstances?

You don’t have to work it out on your own. Louise and the team will ask about your income, your outgoings and your plans.

We’ll also ask what matters most to you, such as lower monthly payments or being able to overpay. Then we’ll talk you through your options and recommend the mortgage that’s most suitable for you.

Should I choose a fixed rate or a tracker mortgage?

With a fixed rate, your payments stay the same for the length of the deal, often two or five years. That makes budgeting easier, but your payments won’t drop if rates fall.

A tracker follows the Bank of England base rate, so your payments can go down, but they can also go up. Leaving either type of deal early can mean an early repayment charge.

Which suits you depends on your budget and how you’d cope if your payments rose. We’ll talk you through both before you decide.

What’s the difference between a repayment and an interest-only mortgage?

With a repayment mortgage, each payment covers the interest and pays off some of the loan. If you keep up your payments, the mortgage is paid off by the end of the term.

The term is the length of time you agree to pay your mortgage back over, for example 25 years.

With interest-only, you only pay the interest, so you still owe the full amount at the end of the term. You’ll need a plan to repay it, such as savings or selling another property.

If that plan falls short, you may have to sell your home. Lenders are stricter about interest-only on a home you live in, and it’s more common on buy to let mortgages.

Can I get a mortgage if I’m self-employed?

Being self-employed doesn’t rule you out. Most lenders want two years of accounts, or tax calculations (SA302s) with tax year overviews, and some will consider one year.

If you run a limited company, lenders usually look at your salary and dividends, or your share of the company’s profit. Each lender treats self-employed income a little differently, so it’s worth having a chat with us before you apply.

I’ve been declined in the past. What can I do to improve my chances of getting a mortgage?

First, we need to find out why. A good place to start is your credit report with Experian, Equifax and TransUnion, so anything that’s wrong can be put right.

Being on the electoral roll, paying bills on time and keeping card balances down can all help. It’s best not to make lots of applications close together, as each one can show on your credit file.

Before you apply again, let’s have a chat. Lenders look at things differently, and we can tell you which ones may suit your circumstances.

The Cooper Roses

Meet the Team

Louise Havelock Owner Cooper Rose Mortgages

Louise Havelock

CeMAP Qualified

Owner | Mortgage & Protection Advisor

Janet Simmons Cooper Rose Mortgages Newcastle

Janet Simmons

CeMAP Qualified

Mortgage & Protection Advisor

Nicola McKinley Cooper Rose Mortgages in Newcastle

Nicola McKinley

Mortgage & Protection Administrator

Our Clients are the best!

Our Google Reviews

  • Paul Davison

    8 September 2026

    The only real positive to come out of such a challenging house move was having the pleasure of working with Louise and Nicola from Cooper Rose. Our house move was incredibly complicated and spanned over a year, but throughout the entire process, Louise and her team were there to support us, provide advice and guide us through everything from mortgages and life cover to securing new rates, amendments, changes and alterations — the list honestly goes on! Despite the complexity of our situation, they handled everything with incredible efficiency and professionalism, while still maintaining such a personal and caring approach. Their support made a huge difference and kept us persevering when the house move felt like it might never happen. Their communication was exceptional, with emails and phone calls often being responded to within minutes. We genuinely couldn’t have asked for better service or support throughout what was, at times, a very stressful process. We are extremely grateful to Louise, Nicola and the whole team for everything they did for us. We will absolutely continue to work with Louise and her team in the future and would have no hesitation whatsoever in recommending Cooper Rose to anyone. Thank you so much!

  • Alana Bradley

    29 July 2026

    Without Louise and cooper rose we were completely clueless when it came to buying our first home. When it came to figuring out what we could afford, finding the best rates applying for our mortgage, and getting all our insurances arranged, we didn't know where to even begin. Louise spent some much time with us to go through and explain everything and what our options were and always had our best interests in mind. The service provided went beyond what we ever expected and we can whole heartedly say that without her we would have never got through the process of buying our home. Going to Cooper Rose is the best decision you can possibly make, otherwise you'll be left with mountains of stress!

  • Matt Dykes

    20 July 2026

    Louise and her team are utterly fantastic. When we first enquired with her about getting a mortgage in principal sorted it was just before all the chaos in Iran which drove interest rates up. She and her team worked incredibly hard to get our application in before the interest rates were updated and secured us the lower rate of interest. I cannot recommend this company enough. We needed a witness signature and Louise was more than happy to do this for us as well without any request for a fee. Seriously, if you're needing a new mortgage for any reason do yourself a favour and reach out to Louise. You won't regret it.

  • Jason Brogan

    6 May 2026

    Thanks so much to Louise and the team for helping to sort my remortgage. It was a little tricky and took along time with the issues we had but we got there in the end. Thank You

  • Kimberley Brannan

    5 May 2026

    Thank you Louise and the team for all of your help when purchasing my house. Your attention to detail is second to none, thank you for such a seamless process!

  • Frazer Vodden

    25 April 2026

    Louise and Cooper Rose were absolutely fantastic. As first time buyers we were fully supported throughout the buying process. Louise was always on hand to answer any questions we had. We were also supported with picking out the right insurances for us which gave us peace of mind. I couldn't recommend Cooper Rose enough if you're looking for a Mortgage Advisor.

See all our Google reviews

The reviews displayed reflect the client's individual experience and may not be representative of all clients.