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.
Contact us to book your free moving home mortgage consultation.