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About Darlington Building Society?

Darlington Building Society is a building society that offers banking and financial services in the UK. They are based in the town of Darlington in County Durham and was established in 1856.

The building society offers a range of savings accounts and mortgages designed to help their members save for the future and realise the dream of owning their own home today.

They aim to provide trusted, value-driven products that inspire and make a positive difference to their members and the local community.

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Darlington Building Society mortgages

Darlington Building Society try to understand that not all mortgage applications are straight forward, and therefore their products are designed to offer individual, common-sense underwriting and flexible lending criteria, which allows them to provide a personalised approach to lending.

Darlington have a manual underwriting approach, assessing each individual case personally, rather than using an automated credit scoring system. This means they can have more flexibility to those that have a lower score due to minor adverse or low levels of credit.

Their mortgages are available in England and Wales and range from fixed and variable rates, they offer:

How competitive are Darlington Building Society’s mortgage rates?

Darlington Building Society aims to offer competitive mortgage rates to its customers.

It is important to review the whole market, and your current and future situation to decide if the mortgage is competitive and suitable for you.

There are many aspects of the product that you should check, these are the initial interest rate, revert rate, fees charged, the flexibility of the product and so on.

A mortgage advisor can compare and review all products available to you in the market and can recommend the most suitable deal for you.

Row of terraced houses mortgage with Dalington Building Society

Can I switch my mortgage deal with Darlington Building Society?

If you are an existing customer of Darlington Building Society and your initial rate is coming to an end, you may be eligible for a product switch.

Darlington Building Society will normally get in touch a few months prior to the end of your initial mortgage deal.

An independent mortgage advisor can help you with switching your rate with Darlington Building Society or remortgaging to another lender.

Independent mortgage advisors are able to advise on all products available in the market and find the best option for you, which may not be staying with your current lender.

How quick should I expect a mortgage offer from Darlington Building Society?

The time it takes to get a mortgage offer from Darlington Building Society varies on a case-by-case basis.

Generally, the average time from mortgage application to offer can be four weeks. However, this time frame can be longer for more complex deals.

A mortgage broker experienced in Darlington Building Society’s process could get a mortgage offer quicker than going direct as they will know what information is required and can chase if the application has stalled.

What to do if Darlington Building Society have declined you a mortgage?

The first thing to do if you have been declined a mortgage from Darlington Building Society is to find out the reason for the decline.

Then you should speak to a mortgage advisor to discuss, as they could help you find another lender that may be willing to give you a mortgage.

Expert mortgage advisors get to know all lenders in the market and which lender is best suited for different situations, situations such as adverse credit, complex income, or any specific criteria about your situation or the property.

If the decline was due to bad credit or a low credit score, it may be a good idea to check your credit profile. To check your credit profile you can visit Experian, Equifax, Transunion or Check My File, which seems to be the most detail credit report and offers a free trial.

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Conclusion

Darlington Building Society is a building society in the UK that offers banking and financial services. They are based in Darlington and were established in 1856.

The building society offers a range of savings accounts and mortgages designed to help their members save for the future and buy a home. Darlington have a manual underwriting approach, assessing each individual case personally, rather than using an automated credit scoring system. This means they can have more flexibility to those that have a lower score due to minor adverse or low levels of credit.

Their mortgages are available in England and Wales and range from fixed and variable rates.

First time buyer mortgages, foreign income mortgages, ex-pat mortgages, joint borrower sole proprietor mortgages, later life mortgages, right to buy mortgages, complex income mortgages, interest only mortgages, self-employed mortgages, contractor mortgages, buy to let mortgages, and buy to let mortgages for portfolio landlords are all available from Darlington Building Society.

If you are an existing customer of Darlington Building Society and your initial rate is coming to an end, you may be eligible for a product switch. An independent mortgage advisor can help you with switching your rate with Darlington Building Society or remortgaging to another lender. The time it takes to get a mortgage offer from Darlington Building Society varies on a case-by-case basis.

Generally, the average time from mortgage application to offer can be four weeks. However, this time frame can be longer for more complex deals.

If you have been declined a mortgage from Darlington Building Society, the first thing you should do is to find out the reason for the decline. Then you should speak to a mortgage advisor to discuss, as they could help you find another lender that may be willing to give you a mortgage.

If you need mortgage advice, you can fill in the contact box below and I NEED ADVICE will match you with a mortgage advisor who can review the whole market and recommend the right mortgage for you.

Please note, although the information on this page is correct at the time of writing, lenders change their policy on a regular basis so please use it as a guide only.

To find out up to date information about lenders and mortgage advice in general, contact a qualified mortgage adviser.

The information on this page is not tailored to any individual readers and should not be considered financial advice under any circumstances.

If you are seeking advice about a mortgage, you should consult a qualified professional.

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How I NEED ADVICE works

Our service is simple, fast, and tailored to you.

Tell us about your situation

Answer a few quick questions about your needs, financial history, and goals. It only takes a couple of minutes.

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We find an expert mortgage adviser who specialises in your situation from our curated panel.

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Your adviser will contact you to discuss your options, answer your questions, and guide you towards the right mortgage.

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Mortgage Calculators

How much can I borrow?

You could borrow

To buy a property worth

Please note, this is only a guide on how much you can borrow. For a more precise estimate, we recommend consulting with one of our specialists.

How much will you need to repay monthly?

It’s important you always get a specific quote from the lender and double-check the price yourself before acting on the information. We cannot accept responsibility for any errors.

Mortgage type

Your monthly payment could be: £ – –

Real success stories

What our customers say

“We struggled to make sense of the products available to us in the market on our own. Being put in touch with someone who could understand our circumstances was a huge help. Highly recommended.”

Wayne

Alton, Hampshire

“I was really happy with the mortgage advisor I was matched with. He was very helpful and explained things clearly.”

Tom

Woking, Surrey

“The person I spoke to got in touch quickly and was able to work out an option for me which I didn’t think I had. Recommended.”

Scott

Selkirk

“My mortgage broker has been really helpful, always responsive. Recommended.”

Alastair

Weybridge, Surrey

“Really useful service, very knowledgeable broker, clearly explained my options.”

Charlotte

Addlestone, Surrey

“Received a call back very quickly from a friendly advisor who explained my options. Very happy with the service.”

Shannon

Leatherhead, Surrey

FAQ

Frequently asked questions

What is a mortgage?

A mortgage is a loan that is used to purchase a home. The loan is secured by the home, and the borrower makes payments on the loan over time.

How much can I borrow mortgage?

The amount you can borrow for a mortgage will depend on a number of factors, including your income, your debt-to-income ratio, your credit score, your deposit amount and the value of the home you are purchasing.

How do mortgages work?

A mortgage is a loan that is used to purchase a property. The loan is secured against the property, which means that if you do not keep up your repayments, the lender can recall the loan and take repossession of the property.

How to get a mortgage?

To get a mortgage, you’ll need to prove to a lender that you’re a good candidate for a loan. This will involve providing documentation of your income, employment history, and assets. A mortgage broker may be best suited to help you.

What is a mortgage in principle?

A mortgage in principle is a document that states that a lender is willing to give you a mortgage up to a certain amount, based on your financial information (subject to full underwriting). It involves a credit check and expires after a period. Estate agents often ask for this when you make an offer on a property to demonstrate you are proceedable.

Does a mortgage in principle affect your credit score?

This depends on the lender and whether they complete a hard or soft footprint on your credit file. A mortgage broker will be able to confirm this prior to applying.

How long does a mortgage application take?

A mortgage application can take anywhere from a few days to a few weeks. The amount of time it takes depends on the lender, your situation, and the type of mortgage being applied for.

What is a mortgage advisor?

A mortgage advisor is a professional who helps people get mortgages, or loans to buy property. They work with both the borrower and the lender to find the best possible mortgage deal, and then help the borrower through the application process.

How does our broker-matching service work?

Our mortgage broker-matching service is free for you to use. We will pair you up with a qualified advisor for your needs and circumstances and set up a free consultation between you and them. There will be no obligation to take things further and your credit report won’t be affected.

What does a mortgage advisor do?

A mortgage advisor is a professional who can assist you with securing a mortgage. They will provide you with advice on which product to choose, help you to find the most suitable mortgage lender and assist you with the application process.

When should you speak to a mortgage broker?

A mortgage broker should be contacted as soon as you are ready to start the home-buying process or approaching the time to remortgage.

What should I know before speaking to a mortgage advisor?

If you are thinking about speaking with a mortgage advisor, it is important to know what you need. This includes knowing what type of home you are looking to purchase, your credit score, your income and your employment history. It is also important to have an idea of what type of mortgage you are looking for, as this will help the advisor understand your needs and find the best options for you.

What to ask a mortgage broker?

When speaking to a mortgage broker, you should ask questions such as:

  • What is the best mortgage for my situation?
  • What are the current interest rates?
  • What are the fees associated with this mortgage?
  • What is the term of the mortgage?
  • What is the minimum deposit required?
  • What is the maximum amount I can borrow?
  • What is the monthly payment?
  • What is the early repayment charge?
How do mortgage brokers get paid?

Mortgage brokers are typically paid either a flat fee or a percentage fee for each loan they originate. Some brokers may also receive a fee from the lender.

Can mortgage brokers get you a bigger mortgage?

Mortgage brokers can often get you a bigger mortgage than you could get on your own, because they have access to a larger pool of lenders and are more likely to know which lender can offer the most in your situation.

Is a mortgage broker better than a bank?

Some people prefer working with mortgage brokers because they offer more personalised service and may have access to a wider range of mortgage products. Some people prefer dealing directly with their bank, however you are limited to just their products and criteria.

Who are the mortgage lenders in the UK?

There are over 100 mortgage lenders in the UK. Below is a list of some of these lenders.

  • Accord Mortgages
  • Ahli United Bank
  • Aldermore Bank
  • Arbuthnot Latham
  • Bank of China
  • Bank of Ireland
  • Barclays
  • Bath Building Society
  • Beverley Building Society
  • Bluestone
  • BM Solutions
  • Brown Shipley Private Bank
  • Buckinghamshire Building Society
  • Cambridge Building Society
  • Central Trust
  • Chorley BS
  • CHL Mortgages
  • Clydesdale Bank plc
  • Coutts & Co
  • Coventry Building Society
  • Cumberland Building Society
  • Cynergy Bank
  • Darlington Building Society
  • Digital Mortgages
  • Dudley Building Society
  • Earl Shilton Building Society
  • Ecology Building Society
  • EFG Private Bank Limited
  • Fairbairn Private Bank
  • Family Building Society
  • Fleet Mortgages
  • Foundation Home Loans
  • Furness
  • Godiva Mortgages
  • Halifax PLC
  • Handelsbanken
  • Hanley Economic
  • Harpenden Building Society
  • Hinckley & Rugby Building Society
  • Hodge Lifetime
  • HSBC
  • HSBC (Private Bank)
  • InterBay Commercial
  • Investec Bank (Channel Islands)
  • Investec Specialist Bank
  • Kensington
  • Kent Reliance
  • Keystone
  • Kleinwort Hambros
  • Landbay
  • Leeds Building Society
  • Leek United Building Society
  • LendInvest
  • Livemore Capital
  • Loughborough Building Society
  • Mansfield Building Society
  • Market Harborough
  • Marsden Building Society
  • Melton Mowbray
  • Metro Bank
  • Molo Finance
  • Monmouthshire Building Society
  • MPowered Mortgages
  • Nationwide Building Society
  • NatWest
  • NatWest International
  • Ned Bank
  • Newbury Building Society
  • Newcastle Direct
  • Nottingham Building Society
  • Paragon Mortgages
  • Penrith Building Society
  • Pepper Homeloans
  • Platform Home Loans
  • Post Office Mortgages
  • Precise Mortgages
  • Principality
  • Saffron Building Society
  • Santander
  • Scottish BS
  • Scottish Widows Bank PLC
  • Shawbrook Bank
  • Shepshed Building Society
  • Skipton Building Society
  • Stafford Railway BS
  • State Bank of India
  • Suffolk Building Society
  • Swansea Building Society
  • Teachers BS
  • The Mortgage Lender
  • The Mortgage Works
  • Tipton & Coseley
  • Together
  • TSB
  • UBS Private Bank
  • Vernon BS
  • Vida Homeloans
  • Virgin Money
  • Weatherbys Private Bank
  • West Bromwich Building Society
  • Zephyr Homeloans
Aren’t mortgage brokers all the same?

Mortgage brokers are not all the same. The mortgage brokers we work with have different specialties such as buy-to-let investments, self-employed customers, and bad credit mortgages.

Is it cheaper to use a mortgage broker?

A mortgage broker can save you money by shopping around for the best mortgage rate, but you may have to pay the broker’s fees.

What is a buy to let mortgage?

A buy to let mortgage is a mortgage that is specifically for people who are looking to purchase a property in order to rent it out. These mortgages typically have higher interest rates and require a larger deposit than a regular mortgage.

Is it worth getting a mortgage advisor?

It is important to seek independent advice when applying for a mortgage, as this can often lead to getting a much better value deal. This could save you a significant amount of money over the course of the mortgage.

If I match with advisors through I NEED ADVICE, where are the advisors located?

The advisers that you are matched with through I NEED ADVICE are telephone based advisors so could be anywhere in the UK.

When I match with mortgage advisors through I NEED ADVICE, are the mortgage advisors qualified?

Yes, we only match you with mortgage advisors that are qualified and holding the correct permissions.

Would I have to spend money to find out my mortgage options?

No, a mortgage advisor that we match you with will be able to tell you what your options are before any money is spent paying the mortgage advisor for chargeable work.

Will a mortgage advisor that I match with through I NEED ADVICE definitely be able to help us?

Whether a mortgage advisor can help you is down to your individual situation, but they will try their best to assist you.

Is the matching service through I NEED ADVICE free of charge?

I NEED ADVICE do not charge you for matching you with a mortgage advisor. Your mortgage adviser would disclose any fees payable for your transaction should you go ahead.

Does I NEED ADVICE work with advisors that can arrange home insurance?

If you need advice about home insurance, we can match you with an advisor that can give this to you.

I have adverse credit, can you help?

If you have adverse credit, I NEED ADVICE can match you with a mortgage advisor that specialises in bad credit mortgages in order to help you.

I need general financial advice, can you match me with a financial advisor?

If you need general financial advice, we will be able to match you with a financial advisor that can tell you your options.

I don’t plan to buy at the moment but would like to know what I can afford in the future, could you still offer guidance?

We can match you with a mortgage advisor that can give you the guidance that you need so you know what options are available to you in the future.

Can the mortgage advisors that I match with communicate through Teams meetings or Zoom meetings?

If you feel that you would prefer a Teams meeting or Zoom meeting, we can match you with a mortgage advisor that can accommodate this.

What tools do mortgage advisors have access to?

Mortgage advisors have access to various tools in order to help you. These tools consist of affordability calculators, mortgage sourcing systems, and mortgage criteria systems.

How do I find out my credit profile?

You can learn more about your credit profile and credit score by going to check my file.

I need advice about wealth planning, can I NEED ADVICE match me with a financial advisor that can help?

I NEED ADVICE can match you with an advisor specialising in wealth planning to give you your options.

If I go ahead with a mortgage advisor that I match with through I NEED ADVICE, what is the cost?

The cost will depend on the situation, however your adviser will advise the cost in advance before you incur any fees.