UK Independent. Sourced. Primary. · Est. 2024

Ben Charles Durham F.S. Limited | Mortgage Brokers | Durham | Est. 2009

Ben Charles Durham F.S. Limited is a mortgage brokers registered in Durham, established 2009. View company details, send a free enquiry and verify FCA status. Kaeltripton Financial Index.

Financial IndexMortgage Broker Index › Ben Charles Durham F.S. Limited

Mortgage Brokers UNCLAIMED LISTING

Ben Charles Durham F.S. Limited

Mortgage Brokers · Durham · Est. 2009

17 years
Active Trading
Active
CH Status
07011311
Company No
2024
Accounts to

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Company Registration Details

Registered company nameBen Charles Durham F.S. Limited
Companies House number07011311 →
Company typePrivate Limited Company (Ltd)
Registered address96 Claypath, DH1 1RG
City / RegionDurham
Date incorporated2009
Years trading17 years
CH statusActive
SpecialismRecorded activity: 64999 (financial intermediation not elsewhere classified)
Index statusClaim this listing →

About Ben Charles Durham F.S. Limited

Founded in 2009, Ben Charles Durham F.S. Limited has been active for 17 years — a period that spans significant change in the UK financial services landscape, including post-financial crisis regulatory reform, digital transformation and the economic disruption of recent years. The firm's continued active status through this period reflects operational stability.

Durham accounts for 30 of the 5754 mortgage brokers tracked on this index.

Always confirm current authorisation on the FCA register before proceeding; it also records past regulatory action.

What Mortgage Brokers Do

A broker translates your financial position into a lender match, handling product selection and the application itself. The breadth of lender access differs between firms and shapes the range of products a borrower will actually see.

Broker knowledge earns its keep on non-standard cases: self-employed income, adverse credit, unusual construction or large loans.

How to Choose the Right Mortgage Broker

Choose by case type: mainstream residential, buy-to-let, later-life lending and adverse credit are distinct specialisms. Establish early what the firm can access and how it has handled comparable applications.

Broker remuneration typically combines a lender-paid procuration fee with an optional client fee, both disclosable under FCA rules.

Frequently Asked Questions

Do I need a mortgage broker or can I go directly to a lender?
You can approach any lender yourself. What a broker adds is market coverage and criteria knowledge, which shows its value on higher loan sizes, complex income or previously declined applications.
How much does a mortgage broker charge?
Some brokers charge you nothing directly and are remunerated by the lender; others charge a disclosed client fee. Confirm the total cost of the service in writing before proceeding.
What documents do I need to provide to a mortgage broker?
The standard pack covers ID, proof of address, three to six months of bank statements, income evidence appropriate to your employment type, and your current credit commitments; specific lenders add their own requirements.
How long does the mortgage process take when using a broker?
Timescales depend on the lender and case complexity: a few weeks for standard residential, longer for specialist or commercial. Ask the firm for a realistic estimate for your specific case.
Can a mortgage broker help if I have been declined by a lender?
Yes, and this is where criteria knowledge earns its fee: lenders differ sharply on credit history, income types and property construction, and a decline at one lender often converts to an approval at another with the right placement.

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Important notice: This page contains publicly available information sourced from the Companies House public register. Kaeltripton.com is a directory service and is not affiliated with Ben Charles Durham F.S. Limited or any listed firm. This page does not constitute financial advice. Always verify a firm's regulatory status on the FCA Register at register.fca.org.uk and its Companies House status at companieshouse.gov.uk before entering into any arrangement.

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