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If you are over 50 and seeking a mortgage in Derby, the good news is there are many available options and here are the key areas where we can help:
With personalised advice from a mortgage broker in Derby, you can feel confident in planning your next steps.
If you're aged 50 or above and live in Derby, there are five main mortgage options available to you:
With the guidance of a professional mortgage broker in Derby, you can explore these options and receive tailored mortgage advice in Derby.
For those over 50 in Derby, the maximum age for the end of a mortgage term is generally between 70 and 85 years, depending on the lender.
This flexibility allows many over-50s to secure a mortgage if they can demonstrate affordability and meet the necessary criteria.
With personalised mortgage advice in Derby, our experienced advisors can help you explore your options and find the right solution for your needs.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £995.
You should always think carefully before securing a loan against your property.
A lifetime mortgage will reduce the value of your estate and may affect your entitlement to means tested benefits.
Clearing existing mortgage with a lifetime mortgage may result in higher cost of borrowing.
Our Customers Love Us
195 5 Star Reviews
Steve Taylor
Excellent Customer Service from initially Dan who arranged our Lifetime Mortgage. The members of the Admin Team were always friendly and helpful. Special mention to Kerry Bewell for her willingness, post-completion, to help when needed. I would definitely recommend UK Moneyman to others.
6 Jul 2026
Dan
Couldn't recommend more! Conor's service was excellent from start to finish and make the process as easy and smooth as possible especially since we didn't even know where to start.
6 Jul 2026
Eva Elliott
We used money man to help us find a mortgage for our first house nearly 7 years ago. They were brilliant at helping us navigate as self employed people. We are just about to use them for our next house!
1 Jul 2026
Rob Shireby
Chris, Ami and Malcolm are all great people, very good experience.
24 Jun 2026
keith mantle
UKmoneyman helped us to obtain a mortgage.. They are a professional and helpful companywho we would reccomend to anyone seeking a mortgage Regards, Keith & Sandra Mantle
12 Jun 2026
Adam Bateman
Just wanted to comment on the experience I have had dealing with uk moneyman for my re mortgage. The team have been excellent throughout, special shout out to Stacy Waudby who has been a pleasure to deal with and has really been pro-active and helpful. I would definitely recommend them to anybody looking for independent mortgage advice
9 Jun 2026
amber sheridan
Ami has been great. She explained everything clearly and answered all of our questions (silly or not). Communication was great, genuinely couldn't recommend this service or our advisor Ami more.
28 May 2026
Keith Hirst
UK Moneyman have helped with my mortgage and remortgage for many years. Always really helpful and knowledgeable. My latest remortgage was done with Conor, who was great at making sure I was getting not just the best deal, but the right deal for my needs.
22 May 2026
Victor Abrams
I found Warren Bailey to be a very helpful and knowledgeable advisor when I discussed with him the potential options for a retirement mortgage . He had contacted me within a day of my seeking an initial conversation with him , and he reassured me there were lenders out there who would consider a mortgage paid out of pension , despite my own bank nort even talking to me as I was over 70 ! Within a couple days Warren had led me through the onboarding process , had explained what documents were needed and had found me a lender suited to my requirements. An excellent experience, and I would recommend him strongly to people looking for a retirement mortgage, and generally . Victor Abrams
15 May 2026
Julie Brake
We would have given them 20 stars. Both Warren & Lizzi have worked so hard on our behalf, in what has not been the smoothest of circumstances. They have been so professional and kept us updated. Would thoroughly recommend this company. With grateful thanks in getting us our mortgage.
12 May 2026
Start your journey with a free initial mortgage appointment in Derby. Our dedicated mortgage brokers in Derby are here to simplify the process, offering expert guidance tailored to your specific circumstances, whether you’re considering later-life lending or another option.
Later-life lending isn’t the only choice. We’ll explore options like equity release, shorter-term mortgages, or even family support arrangements. With professional mortgage advice in Derby, you’ll have a clear understanding of all your options.
Making financial decisions can feel overwhelming, which is why we recommend involving family or trusted individuals. Our mortgage advisors in Derby are happy to guide you and your loved ones through the decision-making process to ensure transparency and peace of mind.
If a lifetime mortgage is the right solution, our team will provide a tailored recommendation. As a trusted mortgage broker in Derby, we’ll ensure your choice aligns with your long-term financial goals.
Take advantage of a free initial mortgage appointment in Derby to explore your options with no strings attached. Our experienced mortgage brokers in Derby will assess your needs and provide tailored advice, ensuring you feel confident about your next steps.
We work with a wide range of lenders and search thousands of mortgage products to find the right one for you. With our expertise as a mortgage broker in Derby, you can trust us to secure a deal that fits your financial circumstances.
We pride ourselves on offering outstanding service to all our clients in Derby. From explaining your options to handling the application process, our mortgage advisors in Derby are dedicated to making your experience as smooth as possible.
Our team is available 7 days a week to fit around your schedule. Whether you need an early morning chat or a weekend appointment, we’re here to provide professional mortgage advice in Derby at a time that suits you.
Our Home Buying App is a digital mortgage coach designed to help you save up, plan, and track your home buying journey – whether you’re buying your first home, or fancy a move.
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Read our 32 Reviews
Derbymoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Derbymoneyman 2009–2026
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Derbymoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Derbymoneyman 2009–2026
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