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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.

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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 free mortgage consultation in Derby will last approximately one hour. We will then recommend a mortgage for you with no obligation for you to proceed and you can decide whether or not you wish to go ahead.

As your mortgage broker in Derby, we carry out a Fact Find to establish your needs prior to recommending the most suitable mortgage for you. A credit check is then required for an Agreement in Principle and then 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

We recommend you obtain an Agreement in Principle before you start viewing properties in Derby, to avoid disappointment. At the very latest you should obtain one prior to making an offer to assist your bargaining position

An Agreement in Principle typically lasts for between 30 and 90 days depending on the Lender. If your Agreement in Principle expires it can always be refreshed.

It can be possible to get a second mortgage on your home for debt consolidation or Home Improvements. It may also be possible to take out a mortgage on a second property if it is for your own use, the use of a family member, a holiday home or a Buy to Let.

To purchase a property in Derby. The minimum deposit with High Street Lenders is typically 5% but this can be higher if you have had previous credit problems.

If you have had credit problems you can still get a mortgage but you may need to put down a higher deposit than usual, perhaps 15% of the purchase price.

You can get a mortgage once you have submitted at least one year’s accounts. Most Lenders use your salary + dividend to calculate the maximum mortgage whereas others go off your net profit.

To prove income it’s usually three payslips for an employee and the latest 2 years’ accounts for self-employed. In addition you will need to produce proof of ID, address and 3 months’ bank statements.

Our free consultation typically lasts up to an hour or so. We can turn round an agreement in principle within 24 hours and a formal mortgage offer takes 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.

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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 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.

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