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Specialist Mortgage Advice in Derby

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Declined by the Bank? We Might be Able to Help!

At our Mortgage Broker in Derby we understand that no two mortgage applications are the same but when it comes to more complicated circumstances, it’s important that you are able to obtain fast and friendly Mortgage Advice in Derby. Our Mortgage Advisors in Derby, we can access specialist mortgages that are designed especially for clients which the regular high street lenders may brand as ‘complex’.

 

The last thing that you want to do is damage your chances of getting a mortgage by submitting multiple applications. When it comes to finding a mortgage for more complex situations then it’s important to know what the lending criteria are for your chosen financial institution. That’s where we can help.

 

We can match you with a lender who is more likely to accept your mortgage application based on your individual circumstances because we know the exact criteria they are looking for. This is why you should get in touch with us today to discuss the details of your situation, so we can find the best lender for you. We don’t just pick out a mortgage product, we stay by yourself from the very start of the process right through to completion, meaning your complex situation is turned in to a stress-free experience.

 

 

How does it work?Get a quote nowMeet your advisor

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

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Frequent topics we’ve encountered include:

  • Specialist Buy to Let mortgages.
  • Help to Buy mortgage advice for those in the armed forces.
  • Advice when you want to purchase a property that’s undervalued.
  • Mortgage Advice if you’re on a debt management plan, or if you have adverse or bad credit.
  • Mortgage Advice for Separation and Divorce, married applicants wanting to apply in a single name, or shared ownership mortgages.
  • Professional mortgages.
  • Mortgages for second homes, holiday homes and new builds.
  • Advice if you want to purchase your council or housing association home (right to buy)
  • Non-standard construction property mortgages.
  • Mortgage advice for applicants who have retired, multiple applicants, self-employed and freelance workers.
  • Advice for those who want to build a property portfolio.

Contact us to book your free specialist mortgage consultation

In need of a Specialist Mortgage Advisor in Derby?

  • We’re open and honest with our customers.
  • Also, we offer our customers a free mortgage consultation.
  • Our Mortgage Advisors in Derby are fully equipped and able to handle complicated situations on a regular basis.
  • We have special connections with specialist mortgage lenders to find you the best deal.
  • We know our criteria and very experienced in mortgages.
  • Please read our reviews from our amazing customers at Reviews.co.uk.
  • We offer you help and support throughout the whole process.
  • Mortgage appointments are available daytimes, evenings or weekends.

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 in Derby!

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

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UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.
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