Mortgage Broker in Allestree

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First Time Buyer

Remortgage

Buy to Let

Moving Home

Right to Buy

Help to Buy

Self-Employed

Specialist

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We love helping all customers who approach us, especially the ones who really need Mortgage Advice in Allestree - it's not just about finding a mortgage. It's about the journey, we will hold your hand throughout the full process.

To speak with a mortgage advisor, book your FREE mortgage appointment online or give us a call on 01332 979187.

Book Online

To speak with a mortgage advisor, book your FREE mortgage appointment online or give us a call on 01332 979187.

Malcoms Image

We love helping all customers who approach us, especially the ones who really need Mortgage Advice in Allestree - it's not just about finding a mortgage. It's about the journey, we will hold your hand throughout the full process.

Book Online

Mortgage advice
your way

First Time Buyer

Remortgage

Buy to Let

Moving Home

Right to Buy

Help to Buy

Self-Employed

Specialist

What our customers say

Experienced Mortgage Advisors in Allestree

Through our time providing fast & friendly Mortgage Advice in Allestree, it is very rare that there isn’t a situation we haven’t dealt with before. Our role as a reputable Mortgage Broker in Derby and Allestree has provided us with the opportunity to help a plethora of homeowners fulfil their mortgage goals.

 

You might be going into the mortgage world for the first time looking to buy a property or you might be looking to move out of your current property for a new place in Allestree or you have reached the point of remortgaging for your family home. Either way, our team’s mission is to provide you with solutions that will help achieve your mortgage goals.

 

First Time Buyer in Allestree

If you are looking into beginning your First Time Buyer journey, you may be wondering which route is best for you. Taking them steps in achieving your home owning goals can be an exciting time but also daunting which is understandable with this being a huge financial commitment in your life.

 

Our team of knowledgeable Mortgage Advisors in Derby and Allestree will provide a helping hand to get you through the mortgage journey by advising you on the best route to take to achieve your mortgage aims. Our team will be there from the initial call all the way to obtaining the keys to your first home.

 

Buy to Let in Allestree

Here at Derbymoneyman, we have helped many new and existing landlords in the property market so we would love help. Many look into the Buy to Let route as it can be a rewarding venture in the long run.

 

 

Over time, our team of Mortgage Advisors in Allestree have built up relationships with existing and new landlords, providing support in building up their portfolios, buying a property in their name with a SPV (Special Purpose Vehicle), like a Limited Company.

 

Remortgage in Allestree

If you already own a home and are coming to the end of your initial fixed period, you may start looking into the options and next steps in remortgaging your property.

 

You could be looking to find a better deal, release some equity for home improvements, or raise capital for something else. Either way, remortgaging has become an option many homeowners have chosen if they are comfortable in their current property and are not wanting to move.

 

Self Employed in Allestree

Obtaining a mortgage as a self-employed applicant in Derby & Allestree can come with a lot more challenges in terms of proving your income compared to a typical employed applicant. The difficult part of proving your income is demonstrating that you have a consistent and adequate income. Despite this, it is still possible to get a mortgage.

 

Here at Derbymoneyman, we have a team who have extensive experience in dealing with self-employed mortgage applicants to achieve their mortgage goals. Having an assigned advisor by your side will allow you to understand your case further and provide insight into the most appropriate mortgage product for you. Along with this, you will have a clearer idea of the steps you need to take so you can process your mortgage application and increase your chance of a mortgage acceptance.

 

Moving Home in Allestree

Whether you are currently living in Allestree or on the outskirts, it may be time for you to look into options of moving home if you are coming towards the end of your initial fixed period. You might be looking to move home because you are wanting more space for a new arrival in the family or for a home office, for better living costs or even for a change of scenery.

 

When providing fast & friendly Mortgage Advice in Derby & Allestree, we have found that the moving home experience can be very stressful. From finding a buyer and packing your things to arranging everything for your new home process, our goal is to take as much of that stress away so you can focus on the move itself.

 

 

Why choose us for Mortgage Advice in Allestree?

For over 20 years, our reputable Mortgage Broker has dealt with a range of customers all with varying mortgage situations. Therefore, don’t hesitate to get in touch if you feel your situation is too complex as it is very likely our team have encountered it before. Our expert Mortgage Advisors in Derby & Allestree have the knowledge and experience to help you with your mortgage scenario.

 

With access to a large panel of both specialist and high street lenders, we will search through 1000’s of mortgage products to find the one that is perfect for your circumstance. Furthermore, our team will provide an open & honest service so if you are looking for a better deal and our team feel the product you are on is still perfect for you, our team will recommend to stay with your current product.

 

Our team are available 7 Days a Week

We strive in providing a service that is flexible for our customers to access. We are available 7 days a week from early in the morning to late at night so you can get in touch with one of our knowledgable Mortgage Advisors at the best time for you. Along with this, we have appointment times that can work around your lifestyle, subject to availability.

 

We strive in providing our customers with the most suitable mortgage with high level Mortgage Advice so get in touch with our team to see how we can help you on your mortgage journey.

 

Get in touch with a Mortgage Broker in Allestree

Contact your open & honest Mortgage Broker in Derby & Allestree today if you are looking to kickstart your mortgage journey. Our Mortgage Advisors in Derby aim to support you in achieving your mortgage goals by providing expert Mortgage Advice in Allestree.

 

Whether you are taking that first step in the mortgage world as a First Time Buyer, looking to move home, a current or budding landlord with the goal of obtaining a Buy to Let mortgage, or you might just be wanting to seek knowledgeable Mortgage Advice in Allestree, our team are here to help you.

 

 

Take advantage of our free mortgage appointment we offer or our free remortgage review today which you can book today to speak to an expert Mortgage Advisor in Derby & Allestree to see how they can help.

 

 

How do I transact with my Mortgage Broker in Allestree?

You’ll benefit from a free initial mortgage consultation with one of our experts. Out of hours Mortgage Advice in Derby isn’t a problem, we have in-house Mortgage Advisors in Derby working until late to take your mortgage enquiries. Give us a call, we may be able to help!

Why shouldn’t I go to my bank for Mortgage Advice in Allestree?

The banks’ Mortgage Advisors in Derby are only able to offer products from one lender – Themselves. Their mortgage advisors can also be rather hard to get an appointment with, so if you’re actively looking at properties or are ready to offer this can be very frustrating. Seeking advice from a professional mortgage broker can also work in your favour, as we can compare deals. We have a large number of mortgage lenders on panel, some with very specialist mortgage products available. Worry not, we have a lot of experience and knowledge in providing Mortgage Advice in Derby to customers with a variety of situations.

My bank turned me down – Will you be able to get me a mortgage?

Quite often, customers that contact us for Mortgage Advice in Derby have been turned away by their bank for reasons such as income types, credit score, property type and the bank won’t lend enough. More often than not, we are able to help with this.

We search 1000's of mortgage deals across a large number of lenders, including:

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Common mortgage questions

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.

Malcolm's
mortgage guides

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Derbymoneyman.com & Derbymoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk

The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
Should you have cause to complain and you are not satisfied with our response to your complaint, you may be able to refer it
to the Financial Ombudsman Service, which can be contacted as follows

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www.financial-ombudsman.org.uk

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