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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 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 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.
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.
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.
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.
5.00 Rating21 Reviews
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...
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...
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.
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.
Clive
Dinah delivered an excellent service. She was very helpful, knowledgeable and filled me with confidence to go ahead with the mortgage offer. I would definitely recommend her to friends and family.
Anonymous
Thanks for make my life easier
Adnan
I am amazed with quality of service and care given by the team.
Anonymous
Absolutely brilliant service from beginning to end. Mortgage application was easier than we anticipated. Would recommend this company to everyone!!
George
Very happy with the brilliant service given by Jason especially who went above and beyond replying to emails post 10PM to help get my mortgage sorted. Laura too who was very friendly and helpful over the phone. Overall very pleased and would...
Maryam
Absolutely fantastic service provided. Matt was very knowledgeable and he was always available to answer our queries. We liked how well the process was organised from start to finish and we were were well looked after by also Lyndsey and Megan who...
Pamela
I can’t underestimate how easy to process was, I was kept well informed at all stages with excellent customer service!!! Would honestly recommend everyone to use this company!
Jonathan
Matt from Moneyman has just completed what can only be described as a very simple mortgage switch to the same provider but at a lower rate, RESULT!. Great service as ever and would highly recommend Many Thanks Jonathan & Helen
Anonymous
Without doubt a very smooth and professional re-mortgage after attempting to do myself with my own bank and not doing very well!! From the start Denise put me at ease and was very informative based on my situation and was always in contact and...
Shkoor
Very helpful , definitely glad that it was recommended to me to use. Staff were constantly assisting me throughout the process and they ensured i was fully aware of the mortgage process. Matt was consistent and clear, providing me with the optimal...
James
Great service received from Nathan and the team.
Christina
From the first call Leo's service was exceptional. The service has been one of the best I have received and I would always go back for in future years. Thank you you friendly professional approach helped massively
Andrew
Professional and a friendly service. I would always recommend you friends and family
Jacqueline
Absolutely brilliant service! I highly recommend these guys!
Lewis
Excellent service from start to finish. I dealt with Leo and Rachael who were great.
Anonymous
Didn’t think I’d be able to get a mortgage until I contacted these guys. They are always there to take your call when you need them and keep you informed every step of the way. It really helped to have someone to guide me through the whole...
Your initial free mortgage consultation in Derby will last for roughly about 30 mins. 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 30 mins. 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.
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.
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.
