Welcome to our website for our Mortgage Broker in Derby, the home to impartial and honest Mortgage Advice in Derby that will ensure you find the right mortgage whatever your circumstances.
Whatever stage you that you might be in your life; whether you’re a First Time Buyer in Derby, or someone looking to Remortgage in Derby, we have an efficient mortgage team ready and waiting to help you whenever you choose to come to us and start your mortgage journey. We have solved many problems, both big and small, helping customers move into their dream homes.
Our Mortgage Advisors in Derby work with a large panel of lenders which opens them up to 1000’s of offers, from large companies to small bespoke firms, to be able to offer you exclusive access to a comprehensive range of mortgage rates to find you the best mortgage tailored to you and your individual needs.
Once you’ve decided that you would like to put a mortgage in place, whether it will be as a First Time Buyer in Derby, or to remortgage an existing property in Derby, your first step should be to give us a call and see what your available options are, by chatting to one of our Mortgage Advisors in Derby who will be on hand to advise you. From this, they will be available to help you work out your budget, find a deal that will suit you and help you get a mortgage Agreement In Principle, even before you start looking at potential properties.
If you’re unsure then a free mortgage consultation for all our customers is available to discuss what possible options are entailed with your future mortgage.
Our highly trained and experienced Mortgage Advisors in Derby are on hand to ensure that the entire mortgage process is quick, easy and entirely painless by taking on all the hard work so that you don’t have to. It doesn’t matter what your circumstances are, our team offer a hassle-free and bespoke mortgage service that you can trust.
We offer a free, no-obligation consultation and promise that when you deal with an employee from our Mortgage Broker in Derby, you can guarantee that you will be dealing with a professional Mortgage Advisor from Derby who knows everything there is to know about mortgages. Should you choose to proceed with our Mortgage Broker in Derby, rest assured that our service will put you in touch with a wide range of lenders that, no matter what your circumstances can help.
When it comes finding the best mortgage and proceeding with an application, you should aim to work with a company that not only offers you a high-quality mortgage service but one that will be with you the whole way and able to offer you impartial Mortgage Advice in Derby as and when you need it. Whilst your high street bank or building society may be your first port of call, they can’t always offer you what’s in your best interest and will be restricted which may limit your options and the deals available to you elsewhere.
Taking out a mortgage is probably one of the most important things you’ll ever do and we understand that you want to find the best deal possible in the long term. Because of this, we will liaise with you and your lender through every single step of the process, leaving you free to enjoy the property buying experience and focus on the exciting feeling that comes with owning your own home.
Your free mortgage consultation in Derby will last approximately one hour. We will then recommend a mortgage for you with no obligation for you to proceed and you can decide whether or not you wish to go ahead.
As your mortgage broker in Derby, we carry out a Fact Find to establish your needs prior to recommending the most suitable mortgage for you. A credit check is then required for an Agreement in Principle and then once you have provided all the relevant documentation and a valuation of the property has been carried out a formal mortgage offer can be issued
We recommend you obtain an Agreement in Principle before you start viewing properties in Derby, to avoid disappointment. At the very latest you should obtain one prior to making an offer to assist your bargaining position
An Agreement in Principle typically lasts for between 30 and 90 days depending on the Lender. If your Agreement in Principle expires it can always be refreshed.
It can be possible to get a second mortgage on your home for debt consolidation or Home Improvements. It may also be possible to take out a mortgage on a second property if it is for your own use, the use of a family member, a holiday home or a Buy to Let.
To purchase a property in Derby. The minimum deposit with High Street Lenders is typically 5% but this can be higher if you have had previous credit problems.
If you have had credit problems you can still get a mortgage but you may need to put down a higher deposit than usual, perhaps 15% of the purchase price.
You can get a mortgage once you have submitted at least one year’s accounts. Most Lenders use your salary + dividend to calculate the maximum mortgage whereas others go off your net profit.
To prove income it’s usually three payslips for an employee and the latest 2 years’ accounts for self-employed. In addition you will need to produce proof of ID, address and 3 months’ bank statements.
Our free consultation typically lasts up to an hour or so. We can turn round an agreement in principle within 24 hours and a formal mortgage offer takes about three weeks on average.