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 😉).
Welcome to Cooper Rose
Let’s get you that mortgage

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
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
CeMAP Qualified
Owner | Mortgage & Protection Advisor

Janet Simmons
CeMAP Qualified
Mortgage & Protection Advisor

Nicola McKinley
Mortgage & Protection Administrator
Our Clients are the best!
Our Google Reviews
The reviews displayed reflect the client's individual experience and may not be representative of all clients.
