First Time Buyer Mortgages

Expert mortgage advice in Derby to help you get on the property ladder…

We know that buying your first home can create a mixture of emotions, from excitement to anxiety but your first mortgage need not be stressful. At we will be with you every step of the way.

Whether you’re purchasing a property by yourself or with someone close, we are ready to help you find the right deal and make buying your first home an experience you’ll never forget.

As experienced Mortgage Brokers in Derby, we love helping first-time buyers on their journey to owning their first property. We know all the insider secrets and have relationships with a wide range of lenders to ensure you get the right mortgage for you.

How can a Mortgage Advisor in Derby help me?

We offer a free, no-obligation consultation to help you…

  • Find out what your borrowing capacity is based on your own individual circumstances
  • Work out your monthly costs for the property you’re interested in
  • Find the best mortgage rate for you
  • Calculate how much deposit you’ll need
  • Obtain a mortgage in principle so that you can look at properties with confidence
  • Place your offer and get it accepted
  • Complete mortgage application forms
  • If required we can instruct a solicitor that will be at competitive rates
  • Advise you on any insurance policies that you may need

And most importantly of all, give you expert guidance throughout the whole process until you get hold of your keys.

Is becoming a property owner right for you?

Buying a property isn’t for everyone. But if you’re currently renting and you’re ready to settle down then buying could work out cheaper. We will work closely with you to ensure that purchasing is the right decision and to help you work out all of your finances so that you get the best deal and more money in your pocket at the end of the month.

We can even work with you if you’d like to purchase your current rental property from your landlord. Our knowledge of the mortgage market is extensive and whatever your needs, we will find a solution ready for you.

How does the process work?

Buying your first home is likely to be the biggest purchase of your life so far. So you want to make sure that it’s right for you. The first thing that needs to be done is to work out what you can afford.

Our free, no-obligation consultation will help you with that.

There’s no point in going to view a £2,000,000 penthouse when your budget will only stretch to a mid-terrace house.

We will work with you to find your ideal budget and then get an agreement in principle.

An agreement in principle lets you know how much your chosen lender is willing to lend you; as well as showing potential sellers and estate agents that you’re a serious buyer when you come to putting an offer in on your chosen property.

How about the deposit?

Saving up for a deposit is often the stumbling block for many who want to own their own home.

Whether you have a minimum of a 5% deposit or 50% there’s a mortgage lender for you.  It’s our job to find you the most suitable deal from our carefully selected large number of mortgage lenders.

That’s why using expert mortgage brokers at is a good idea. We can put you in touch with lenders who can accept your deposit and even offer Mortgage Advice in Derby on government schemes such as Help to Buy which can boost your deposit even further.

 Let us, help you…

Once you know how much money you’ll need for a deposit and how much money you can borrow then we can help take your dreams of owning your first property to the next stage.

We understand that one size doesn’t fit all so you can be assured our expert advisors will scour the entire market to find the right mortgage for you.

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Mortgage Lenders We Work With
Mortgage Broker in Derby Open & Honest Mortgage Advice in Derby & Derbymoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.

UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.

Derbymoneyman – 19 St Christophers Way, Pride Park, Derby, DE24 8JY.

The Financial Conduct Authority does not regulate most buy to let mortgages.

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