CTA Mortgage Advice Centre

Mortgage advice in the North East of England

CTA Mortgage Advice Centre is the trading name of Carter Thompson & Associates Ltd, a firm established in 1999 and an appointed representative of The Openwork Partnership, a UK financial advice network. The company is registered in England with number 9040400 and its registered office is at 64 West Auckland Road, Darlington, County Durham.

The firm presents itself as a local adviser on mortgages, insurance and financial planning, with over twenty years of experience in the financial services sector and a network of branches across the North East of England serving clients throughout the UK.

Mortgages for buyers and homeowners

The mortgage services cover the main purchase and remortgage situations:

• First-time buyer mortgages.
• Home mover mortgages.
• Buy to let mortgages.
• Remortgages, including debt consolidation, equity release and home improvement finance options.

The company states that it searches thousands of mortgages, giving it access to a wide range of products and allowing it to find the right option and lender for a variety of profiles, whether a first-time buyer, someone moving home or a portfolio landlord.

Specialist and professional mortgages

In addition to general products, the firm works with profiles that require specific handling:

• Professional mortgages, with dedicated sections for NHS staff, doctors and dentists.
• Self-employed mortgages, including cases with only one year of accounts.
• Limited company director mortgages.
• Joint mortgages where one applicant is self-employed.

The site also provides guidance on the documents needed for a self-employed mortgage and on the income that lenders assess in these cases.

Protection, insurance and wealth planning

Alongside mortgage advice, the company offers life insurance and mortgage protection, and through CT Wealth provides wealth management services. The firm presents itself as an adviser in mortgages, protection and insurance, with access to competitive rates and a wide variety of products.

How we work and our fees

The process begins with a no-obligation chat in which advisers learn about the client's individual circumstances, establish their goals and determine the most suitable mortgage and protection arrangements. The initial consultation is free and there is no obligation to continue. Fees are payable only on completion and vary depending on each client's specific needs.

The company notes that its local market knowledge, built up over two decades, allows it to recommend and work with the client's chosen solicitors to streamline completion, and to anticipate what to expect in searches and typical property issues.

North East offices

The business operates through three branches located in Darlington, Bishop Auckland and Newcastle. The firm stresses that there is no typical client and that it tailors its services to each situation.

The site includes regulatory warnings specific to the UK market: your home may be repossessed if you do not keep up repayments on your mortgage, and most buy to let mortgages are not regulated by the Financial Conduct Authority.

Offices and locations

Darlington office: 64 West Auckland Road, Darlington DL3 9EP

Bishop Auckland office: 126 Newgate Street, Bishop Auckland DL14 7EH · Phone: 01388 665 544

Newcastle office: Suite 80, Low Friar Street, Newcastle NE1 5UD