Welcome to your new home for fast and friendly mortgage advice in Derby. With an understanding and experience in the mortgage industry, our team of dedicated mortgage advisors and administrators behind us can provide you with expert mortgage advice in Derby.
We are determined to make sure that your process with us runs smoothly and stress-free, no matter your circumstances. We always recommend that every customer takes advantage and books themselves online for an appointment to speak to a mortgage advisor in Derby when it suits you.
1. You have a few handy options for getting in touch with a mortgage broker in Derby. We have the contact page where you can leave an enquiry or our telephone number to go directly through to a genuine person who can get you booked in for an appointment.
Alternatively, use our Book Online button and take matters into your own hands, choosing a date or time that best suits you, directly with a mortgage advisor.
2. During your consultation, your mortgage advisor will ask you a series of questions to build a financial picture of your situation and what you want to achieve.
3. After your mortgage advisor in Derby has a bigger picture of your situation, and they will begin searching through thousands of mortgage deals to find the best mortgage for your circumstances.
Out of office hours, mortgage advice in Derby is possible with Derbymoneyman. We operate seven days a week to tailor our service around a time that suits you.
If you have any questions during your process, don’t hesitate to ask your advisor. Your mortgage broker in Derby has over 20 years of experience in the mortgage sector – no question is too difficult to answer! That said, if we can’t answer your question, we will try our best to get you through the process despite your circumstances.
Whether you are new to the mortgage process or this is an experience you’re familiar with and have gone through before. We always recommend that you get help from an expert mortgage broker in Derby.
We will always provide you with open and honest mortgage advice. It’s our job to deliver exceptional service to every customer that needs our help. Feel free to look at our reviews to find out what others have thought about their experience with us.
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 mfrom 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 to 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.
For specialist mortgage advice in Derby, we recommend taking up our free mortgage consultation offer. With our help, we can estimate how much you may be able to borrow for a mortgage and help you understand the process a little easier. Remember that we talk to you seven days a week. We can’t wait to hear from you!
Your initial free mortgage consultation in Derby will last for roughly about one hour. An advisor will then recommend a mortgage for you, that you are under no obligation to accept and proceed with, if you decide it’s not for you.
As a dedicated and trusted mortgage broker in Derby, we will carry out a Fact Find to establish your circumstances & needs prior to recommending the most suitable mortgage for you. A credit check will then be required for an Agreement in Principle. 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 to you.
We would highly recommend you obtain an Agreement in Principle prior to property viewings in Derby, to avoid possible disappointment, especially as this can boost your bargaining position pre-making an offer and can be obtained with the help of one of our mortgage advisors in Derby, free of charge.
A standard Agreement in Principle generally lasts for between 30 and 90 days depending on which lender you are with. If your Agreement in Principle happens to expire, it can easily be refreshed.
If you’re looking to make any potential home improvements or consolidate any debt, then it can be possible to get a second mortgage on your home. Second Mortgages are also usable for if you are wanting to take out a mortgage for a family member, a holiday home or a Buy to Let.
When purchasing a property in Derby, the minimum deposit a High Street Lender will usually require is 5%, though if you have had previous credit problems, this can be higher.
If you have had credit problems, it could still be possible for you to get a mortgage, however, you may need to put down a higher deposit than usual. This could be 15% of the purchase price.
You may still be able to get a mortgage once you have submitted at least one year’s accounts. Typically we find that, for the most part, lenders will use your salary + dividend to calculate the maximum mortgage. Alternatively, some may go off your net profit.
To prove your income to a lender, it’s usually three payslips for an employee. If you are self-employed, it’s the latest 2 years’ accounts. In addition you will need to produce the lender with proof of ID, address and the latest 3 months’ bank statements.
Your free initial mortgage consultation will typically last up to an hour. Our team have the ability to obtain an agreement in principle within 24 hours. A formal mortgage offer will take about three weeks on average.