Burger Menu

Moving Home Mortgage Advice in Derby

Get Your Free Consultation 7 Days a Week

01332 979187

We Take the Stress Away From Moving Home!

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 good news is that this task 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 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.

How does it work?Get a quote nowMeet your advisor

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

Mortgage Lenders 001
Mortgage Lenders 002
Mortgage Lenders 003
Mortgage Lenders 004
Mortgage Lenders 005
Mortgage Lenders 006

Moving Home Mortgage Advice in Derby

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 Derby to numerous customers, supporting them in achieving their home owning dreams.

Below highlights some moving home scenarios we have frequently come across when speaking to customers.

How Much You Can Borrow & The Costs

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.

Need an Agreement 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.

Your Offer on a New Home Has Been Accepted

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.

 

Having Trouble with the Bank

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.

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

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.

 

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.

 

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 Mortage 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 1000s of varying mortgage products.

 

Getting Your Mortgage Agreed in Principle

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.

 

We see every customer as an isolated case which is why we have no ties with any estate agents, banks or building society. Our friendly team are here and prepared to start your moving home journey. Therefore, we are more than happy to help if you’re looking to achieve your home moving goals.

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.

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.

Moneyman Logo







Moneyman Logo




Moneyman Logo

Ask Your Question





    Moneyman Logo

    Moneyman Logo







    Moneyman Logo

    Book your Free Consultation

    7 Days 8am - 10pm

    Moneyman Logo

    Moneyman Logo