Experienced and professional mortgage brokers in Derby, ready to help you get the best deals on your mortgage
Getting a mortgage is never an easy task. Whether you’re a first-time buyer or a seasoned property pro, there’s just so much to arrange and organise. And it’s even more arduous if your circumstances aren’t what the high street lenders would class as “standard”.
But that’s why we are here. To make the whole mortgage process quick, easy and simple by offering you the best rates anywhere on the market and doing all the handwork on your behalf.
With tens of thousands of mortgages to pick from it takes a professional broker and their expertise find the perfect one for your needs.
Mortgage Brokerage Services On Offer
We offer a range of services. Here is a small selection…
- Advice for first-time buyers
- Advice if you are interested in the help to buy scheme
- Right to Buy mortgage advice
- Advice on remortgaging and getting a better deal
- Mortgage advice for home movers
- Advice for Buy to Let or Let to Buy mortgages
- Advice if you have poor credit or past money issues
- Specialist mortgage advice
- Advice for the self-employed
Plus much more.
What is a mortgage broker?
A mortgage broker acts as an intermediary between you and the lender. We take the time to listen to your circumstances, understand your situation then research all of the deals and liaise with the lenders taking the weight off your shoulders.
We are not like most brokers, as expert mortgage advisors in Derby, we offer completely impartial advice. We aren’t tied to any financial institution or estate agents, our main objective is making sure you, the client is satisfied.
We work with you to…
- Determine what your ideal monthly payments are
- Find out what the maximum you can borrow will be
- Help you with all the paperwork making sure the process is simple
- Get you an agreement in principle so that you’re ready to make an offer
- Advise on other products and services that you may need going forward
The benefits of using a broker
You may be wondering why you would bother using a broker when you could just do it all yourself. But finding the deal and then applying for a mortgage can be a time consuming and complicated situation. By using a broker you’re freeing yourself of this burden.
Using a broker will help save you time, and time is something that we all could use more of. When you add up the amount of time that it would take to research all the deals on the market, fill in the forms and chase the lenders it’s a pretty time-consuming activity. We want you to be able to relax and concentrate on what matters the most to you.
Can you be sure that the deal you’ve found really is the best deal? We have access to a wider range of lenders including those who don’t advertise online or will only work via a broker. By coming to us for your free no-obligation consultation we can make sure that the deal you want is the one that you’ll get.
If you take out your mortgage on a fixed term basis, this can often only be up to 5 years. After this, you’ll be transferred to your lenders Standard Variable Rate which could see your mortgage repayments increase by a lot. We will help you stay on top of this and help you avoid making overpayments when you really don’t have to.
Why not go to a bank?
Of course, you could just go to your high street bank because they already know about you and your financial status but they’re only going to be able to offer you a small selection of products. They don’t have access to the full mortgage market, just the products they offer so you’ll not always be getting the very best deal.
We offer professional and extensive mortgage advice in Derby for buyers in all kinds of situations.
We will offer you a free, no-obligation consultation where we can get to know you, your circumstances and get an idea of what kind of mortgage you need. We will ensure that you’re dealt with by a dedicated advisor who has a vast amount of knowledge across the whole mortgage market.
Your mortgage advisor will always be on hand if you have any questions or need any help. We will work with you to get your agreement in principle so that you can move forward with any property viewings and even making an offer.
Once you’ve found your ideal property you can sit back, relax and let us do all the hard work of the mortgage application. We will also help to keep you protected by advising you on any suitable insurances that you may need to protect you against any unforeseen circumstances such as illness, redundancy or being unable to work.
We are also regulated by the Financial Conduct Authority (FCA) who are part of the Financial Ombudsman Service (FOS) and Financial Services Compensation Scheme (FSCS).
Contact us today to book your free, no-obligation consultation where we can work with you to get you on the move. We are available from 8 am – 10 pm, 7 days a week.
Open & Honest Mortgage Advisor in Derby
First Time Buyer
Buy to Let
Help to Buy
Right to Buy
Mortgage Broker in Derby
Trusted Mortgage Advice in Derby