Mortgage Advisers · Durham
Mortgage adviser in Durham
Looking for a mortgage broker in Durham? Lockhart Murphy provides independent mortgage advice across Durham City and the surrounding County Durham towns — for first-time buyers, home movers, self-employed applicants and landlords.
Durham's property market
Durham City is best known for its cathedral, castle and university, with a compact centre surrounded by established residential areas and a steady flow of student and graduate rental demand. The wider County Durham area includes market towns such as Bishop Auckland, Chester-le-Street and Consett, each with its own distinct character and price point.
The right mortgage in Durham depends on your own circumstances and on how individual lenders and valuers treat the specific area you’re buying in — something worth getting right from the outset.
Your Adviser
Your mortgage adviser for Durham and County Durham
Muhammad brings genuine lender-side experience from several years at Skipton Building Society into how he assesses Durham cases, with a particular focus on self-employed and complex-income applicants.
Meet MuhammadWho we help
- First-time buyers. Buying in Durham City or one of the surrounding County Durham towns.
- Home movers. Moving up the ladder around Chester-le-Street, Bishop Auckland or Consett.
- Self-employed and company directors. Income assessed the way it's actually structured and paid.
- Buy-to-let landlords. Durham University brings consistent student rental demand into the city.
- Professionals. Including academics and staff connected to Durham University and the NHS.
- Remortgages. Reviewing your current deal or raising funds against an existing property.
Areas covered
Don’t see your town listed? See our full areas we cover or get in touch — advice isn’t restricted by postcode.
Frequently asked questions
Do you have an office in Durham?
Advice is given by phone, video call and WhatsApp rather than from a local branch, so you get the same personal service wherever in Durham or County Durham you're based.
Can you help with buy-to-let near Durham University?
Yes — landlord lending for student and graduate rental property in and around Durham is a regular part of the caseload.
I'm self-employed — will that make things harder?
No — self-employed and company-director income is one of the areas Muhammad focuses on, drawing on his lender-side experience to identify who will assess your case fairly.
Your home or property may be repossessed if you do not keep up repayments on your mortgage or other loans secured upon it.