It's Free to Speak to an Advisor, 7 days, 8am - 10pm
It's Free to Speak to an Advisor, 7 days, 8am - 10pm
Moving home has been cited as potentially being one of the most stressful experiences in your life, however, this doesn’t have to be the case. Having a mortgage broker in Derby by your side throughout the process can hopefully take a lot of stress away off your mortgage process. Here at Derbymoneyman, this is always our goal when dealing with customer looking to move home in Derbyshire.
The reason why moving can be so stressful to the majority of people is because you have the task of simultaneously completing the purchase of your new home while completing the sale of your current property.
The moving home process can fall into the hands of a conveyancing solicitor. In this time, you will need to secure the current ongoing purchase alongside finding a buyer for the property you’re selling.
We can provide you with a service that can make the process run quickly and seamlessly as possible, therefore, if you are looking to start your moving home journey, our hard working team are more than happy to help. From early until late 7 days a week we are here to support you and answer any questions that you may have.
To find you the most appropriate deal in terms of your personal and current situations, we can search through 1000’s of mortgage products. Please do not hesitate to get in touch if you’re looking to move home and need knowledgeable Mortgage Advice in Derby.
All our new/existing customers who get in contact with us are offered a free no-obligation mortgage appointment. We can’t wait to help you start your home-owning journey. We can search 1000s of mortgage products, to find you the best deal for your individual circumstances.
If you’re thinking about moving within Derby, you might have the opportunity to transfer your current mortgage to your new property, as long as you meet the lender’s eligibility requirements.
However, it’s important to note that if your circumstances have changed since you initially obtained your mortgage, you may no longer be eligible and will need to re-apply.
Relocating to a new home in Derby comes with various expenses that you should be mindful of. These expenses include fees from estate agents, property surveyors, mortgage arrangers, solicitors, and removal services, as well as any fees associated with a mortgage broker in Derby. When you move, the proceeds from the sale of your current property will be used by your legal representative to fully repay your existing mortgage.
If you’re moving to a new property in Derby and your lender allows it, you have the choice to either begin a new mortgage or transfer your current mortgage to your new property. However, keep in mind that if you opt to pay off your mortgage entirely, you may be subject to early repayment fees.
The ability to make overpayments on your mortgage in Derby depends on the type of mortgage you have. If you’re in the introductory, fixed, or discount period, most mortgage providers will permit you to make annual overpayments of up to 10% of your mortgage balance per year. However, if you’re on a standard variable rate, you can usually make unlimited overpayments without incurring any penalties.
As soon as you are happy with the recommendation, we have provided you with, this when it’s time to begin getting a mortgage agreement in principle processed for you. This is something we will be able to obtain for you within 24 hours of your initial appointment. Having this by your side gives you the chance to make an offer on a property you like.
When you have found your dream home in Derby and your offer has been accepted by the seller, this is when our hard working team can start processing your full mortgage application, being there to make sure the process runs smoothly all way to completion.
From our team’s point of view, the goal is not just finding you the best mortgage for you, it’s beyond that. This is why we are also here to provide help with a range of surveys that are available to you and can provide you with any conveyancing solicitor quotes.
Alongside providing you with open and honest advice when finding the most appropriate mortgage for you, your advisor will also suggest the most fitting insurance to help cover your remaining mortgage payments if the unfortunate happens. Contact us to book your free moving home mortgage consultation.
Our Customers Love Us
5.00 Rating29 Reviews
Anonymous
Really good service till the end, making sure everything was finalised smoothly. Will definitely use again when needed.
4 months ago
Anonymous
DIna was my mortgage broker and was so friendly and non-judgemental of my circs. I was wanting to buy an ex out the property and pay off some debt - she got me an offer within days. I had used free mortgage advice companies who hasn’t managed...
5 months ago
Liz
I dealt with Dinah who is the friendliest non-judgemental advisor I have ever dealt with . My case wasn’t that straight forward, but within days I had an offer. I have used well known free advice companies before, but didn’t get anywhere with...
6 months ago
Anonymous
They were quick to respond and maintained great communication throughout the process. Emails were answered promptly, making the entire experience smooth and stress-free. Highly recommended for anyone seeking a reliable and responsive mortgage broker!
6 months ago
Donna
Amazing service would highly recommend A+++
1 year ago
Anonymous
Quite helpful and fast in dealing with the proceedings of the mortgage application.
1 year ago
Arron
Good recommendation for 1st time buyers. Made whole process easy and straightforward.
1 year ago
Kudakwashe
Very good 👍
1 year ago
Sarah
I can’t believe the service we have had and we can’t recommend them enough, Matt and the team are amazing. We have had several mortgage offers through them but the houses we have bought have fallen through but nothing has been too much trouble...
1 year ago
Carol
Friendly efficient service, took their time to explain the procedure etc, I would definitely recommend them.
1 week ago
Joshua
Leo is always a pleasure to talk to. Very friendly and knowledgeable, and allows us to ask questions, no matter if we’ve asked before orbits really obvious
1 month ago
Adam
Thank you to Wayne and the team at UK Moneyman, Derby. We were first time buyers, both with adverse credit history and one with sporadic income from agency work. I was finding the whole process of applying for mortgages to be quite stressful and...
2 years ago
Arran
The team over at Derbymoneyman have been incredibly helpful in helping me understand the process of buying a house. A friendly and welcoming team who do all they can to help. Definitely recommended, you feel like the team is invested in helping you.
2 years ago
Gurjeet
Really helpful and clear.
9 months ago
Gemma
From first discussions with Tom to being passed over to Lyndsey, the whole process was easy and seamless. Everyone I have dealt with at Moneyman have been really helpful and friendly, which has helped take the stress out of applying for a...
10 months ago
Matthew
Jenny has been extremely helpful throughout the process and resolved any issues quickly. Thanks!
11 months ago
Susan
Very good service over the moon Wayne and Megan no there stuff
1 year ago
Dean
4 weeks and got my offer very good service from Wayne and Megan can not fault them
1 year ago
Chantelle
This company has helped get a mortgage, when we didn't think we could get one the first time, and we have continued to use them the second time and will reuse them again. They are professional and Friendly and communication is fantastic.
3 years ago
Anonymous
Great service
1 year ago
By partnering with a knowledgeable mortgage advisor in Derby, you can have a comprehensive discussion about your current circumstances and future goals.
During your free mortgage appointment, your mortgage advisor in Cardiff will gather information regarding your income and expenses to determine your maximum affordability.
The mortgage advisor in Derby will meticulously search through a vast array of mortgage products to find the one that best suits your needs.
We can assist you in obtaining a mortgage agreement in principle, which can be advantageous when making offers on properties.
Once your offer is accepted, your Derby mortgage advisor will submit your complete mortgage application and supporting documents to the mortgage lender.
Throughout the process, a dedicated case manager will keep you informed until you receive the formal mortgage offer and successfully complete your purchase or sale.
Our services extend beyond finding the most suitable mortgage deal for you; we also offer relevant insurance recommendations to ensure the security of you and your loved ones.
We will reach out to you when it’s time to renew your mortgage to ensure that you always have the best available deal.
If you get in touch with Derbymoneyman for Mortgage Advice in Derby, you will receive a free home movers’ review which is offered to our new/existing customers. This appointment will give your dedicated mortgage advisor in Derby the chance to look at what your mortgage goals are as recommend you the most appropriate route for you to take.
As a result of this, they will be able to look into your monthly payments as well as the maximum that you might be able to borrow.
After you have attended your free home movers review in where we obtained some initial bits of information with you as well as establishing your home moving goals, your dedicated Mortgage Advisor in Derby will begin to look into the best deal for your circumstances by searching through 1000’s of varying mortgage products.
Here at Derbymoneyman, we have a diligent team that have a lot of experience in helping customers take their first step on the property ladder. Therefore, we find we deal with situations that we have already dealt with in the past which means we are ready to take on any complex cases.
Our team of dedicated and knowledgeable mortgage advisors in Derby can provide you with the support and guidance you need when you are exploring your moving home options in Derby. From the initial enquiry to obtaining the keys to your new home, your designated mortgage advisor in Derby will work alongside you throughout the process.
If you are looking to relocate or are currently living in the area in Derby or are looking to move within the city, our team of hard working mortgage advisors have provided expert mortgage advice in Cardiff to numerous customers, supporting them in achieving their home owning dreams.
We find that a lot of customers want to get a general idea of how much they would be able to borrow, the interest at which this amount would be and how much their monthly repayments could be. This is why many customers get in touch with us early in their mortgage process for mortgage advice in Derby.
After you have attended your Free Mortgage Appointment, your designated Mortgage Advisor will then begin to find you the best deal by searching through 1000s of mortgage products. When you are happy with our recommendation, we will then start looking at obtaining your mortgage agreed in principle.
After you have attended your Free Mortgage Appointment, your designated Mortgage Advisor will then begin to find you the best deal by searching through 1000s of mortgage products. When you are happy with our recommendation, we will then start looking at obtaining your mortgage agreed in principle.
Having your mortgage agreement in principle (AIP) with you can get you prepared for any point where you want to back up a potential offer that you would like to make on a certain property during your current mortgage journey in Derby.
When you have had an offer accepted on your new home in Derby, you now need to get back in touch with us to speak to your dedicated Mortgage Advisor which should be done ahead of your full mortgage application process. Our team are also able to help you with different types of property surveys and can recommend a conveyancing solicitor to you.
In the unfortunate case where the bank or building society has declined the mortgage application you made, this can be due to a number of reasons. It might be to do with your application not meeting their credit scoring criteria or the lender may not be willing to lend you the amount you require.
Whatever the reason might be for your application to have been declined, you may still benefit from getting in touch with a knowledgeable Mortgage Broker in Derby. Our team have access to a range of mortgage lenders who can offer specialist or niche products that benefit those who may have difficulty with a mortgage because of their credit history.
Again, these factors all depend on your individual circumstances and what your current credit file is showing. Our Mortgage Advisors in Derby has extensive knowledge and experience in working with these products and advise customer on what is the best deal that matches up their criteria.
Remember, the most common scenarios discussed above are the type of scenarios we regularly see customers are in when they reach out to us when they are looking to start moving home. Therefore, do not hesitate to get in contact to speak to a member of our team if your circumstance doesn’t apply as there is a likely chance we have dealt with a case similar to yours before. Contact us to book your free mortgage consultation.
Read our 29 Reviews
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: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© Derbymoneyman 2025.
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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: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© Derbymoneyman 2025.
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