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Moving Home Mortgage Advice in Derby

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We Take the Stress Away From Moving Home!

If you’re ready to sell up and move home then chances are you already have an existing mortgage. So you know the process but you may have some important questions that you need answering and you’re still going to need guidance which we aim to offer with our Mortgage Advice in Derby.

 

Whatever your reason for deciding to move, our Mortgage Advisors in Derby are on hand to help you with getting the best deal on your mortgage and even with managing your mortgage application. This leaves you free to coordinate all the other aspects of moving home from making sure that everyone has your new address to arranging for movers to transport your furniture to your new property.

 

We will be here to support you throughout the whole process, answering any questions you may have. We’ll talk you through the process and our Mortgage Advisors in Derby will always be at the other end of the phone when you need us.

 

We can search 1000s of mortgage products, to find you the best deal for your individual circumstances.

How does it work?Get a quote nowMeet your advisor

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

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Moving Home Mortgage Advice in Derby

We have helped many Home Movers in Derby take that next step on the property ladder. Below are some of the more popular home moving scenarios:

  • You are thinking of moving to a new home
  • You’re thinking of moving but want to know how much you can afford and what deals are on the market first
  • You have seen a home you want to make an offer on but need an agreement in principle
  • You’d like to rent out your current home and move to a new residential property
  • You’d like to move but your existing lender has turned you down for extra borrowing

Contact us to book your free mortgage consultation.

Why choose Derbymoneyman as your Moving Home Mortgage Broker in Derby?

  • Our Mortgage Advisors in Derby are very experienced with helping customers taking the next step on the property ladder, and there is rarely a situation that we haven’t come across.
  • We offer all customers a free home movers mortgage review, as part of this review, we will look at helping you work out your monthly budget and maximum that you can borrow.
  • If you are happy with our recommendation, we would then look at obtaining an Agreement In Principle so that you are ready to back up any offers that you would like to make.
  • Then, when you have found your new home and had an offer accepted. We would then proceed with your mortgage application, taking care of everything right through until completion.
  • We don’t just source you the best mortgage, we can also help with; discussing the different types of property survey that are available to you, help obtain many Conveyancing Solicitor quotes, or discuss the appropriate associated insurances that are available.
  • We work solely for you! We have no vested interest with any estate agents, builders or banks.

 

Contact us to book your free moving home mortgage consultation.

What our customers say

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.

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We make it so easy!
Our 4 step process

Step 1

A telephone call where we can take some initial details and find out about your plan of action.

Step 2

Enjoy finding a property!

Step 3

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Step 4

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

A telephone call where we can take some initial details and find out about your plan of action.

Enjoy finding a property!

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

Handy quick links

Derbymoneyman.com & Derbymoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited 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.

© 2021 Derbymoneyman

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

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