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Specialist Mortgage Advice in Derby

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7 days a week, 8am - 10pm

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Specialist Mortgage Advice in Derby

Navigate a complex mortgage scenario with ease. Specialist mortgage advice in Derby tailored for your individual financial situation.

01332 979 187

We look at solutions for specialist mortgages in Derby for complex situations.

If your bank or building society has turned down your mortgage application, it means you don’t fit their lending criteria, despite having the correct documentation and having evidence to prove you can afford your mortgage payments.

No homebuyer wants their application declined, which is why here at Derbymoneyman, our team of mortgage advisor in Derby ,will take the time needed to understand what you are trying to achieve and try our best to find you the most suitable mortgage deal available for your circumstances.

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Specialist Mortgage Advice in Derby

Our service may benefit you when looking for specialist mortgage advice in Derby.

We work with a large panel of mortgage lenders with various deals that cater to different homebuyers with their mortgage situations.

When you are hoping to achieve something slightly ‘complex’, having the help of a Specialist mortgage broker in Derby on your side will prove to be highly beneficial to you as we aim to search through 1000’s of deals to find you the most suitable mortgage for your circumstances.

What is bad credit for a mortgage in Derby?

Managing your finances can pose challenges, and late payments have the potential to harm your credit score, which could ultimately result in a poor credit rating specifically when looking to take out a mortgage in Derby. The impact on your score depends on the number and type of missed payments.

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Common FAQs for Specialist Mortgages in Derby

Can I remove a CCJ from my credit file in Derby?

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If you receive a County Court Judgment (CCJ), it is essential to repay the outstanding amount within a designated timeframe to have it removed from your credit report. Settling the balance within 30 days allows the court to eliminate the CCJ from your credit file through the registry. However, failure to make the payment will lead to the CCJ remaining on your credit report for six years.

When should debt consolidation in Derby be considered?

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In Derby, many homeowners opt to remortgage their properties to access equity. There are various reasons why you might require additional funds, such as financing home improvements or assisting a family member in their property endeavors.

If you are facing financial difficulties and have exhausted all other options, debt consolidation in Derby may be worth considering. Although it is a risky decision that should not be taken lightly, remortgaging to release equity for debt consolidation purposes can enable you to consolidate your monthly expenses into a more manageable outgoing payment.

At Derbymoneyman, we offer clear and transparent mortgage advice in Derby. Our team will carefully assess your circumstances and help you determine whether debt consolidation is the most suitable choice for you.

You should think carefully before securing other debts against your home. By adding your unsecured debt to your mortgage, which is secured on your home, you may endanger your home if you can’t make the necessary repayments.

Although the total monthly cost of servicing your debt may have been reduced, the total repayment cost may still have increased because the duration of your mortgage is longer than it may have taken to repay the original debts.

Do you require a specialist mortgage advisor in Derby?

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We are equipped with expert mortgage advisors in Derby who have access to a wide range of specialist deals. Each lender has its unique criteria for mortgage lending, and we strive to find the most appropriate deal for your personal and financial situation.

If you are concerned about your credit score, it is advisable to obtain an up-to-date copy of your credit report. This information will be beneficial during your free initial mortgage appointment, as it allows us to gain a better understanding of your situation and explore ways to help you achieve your mortgage goals.

Providing clear and transparent mortgage advice in Derby, we will review your circumstances and help you determine if debt consolidation in Derby is the best option for you.

Complex Mortgage Situation in Derby?

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We have previously assisted customers who were turned away by high street banks at the last minute, deeming their applications as ‘complex.’ It is not uncommon for applicants to invest weeks into the mortgage application process, only to be rejected for various reasons that should have been identified at the beginning by the bank’s mortgage advisor.

This unfortunate situation leads to wasted time and money, causing significant stress and frustration. Without a proper understanding of the lending criteria before submitting your application, you run the risk of jeopardizing your chances of mortgage approval. It can be a complex process in certain circumstances.

You can be assured that we have extensive experience dealing with clients in similarly ‘complex’ situations, and we would be delighted to assist you. To speak with a mortgage advisor in Derby, you can book your free mortgage appointment online or contact us via phone.

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Our Simple Mortgage Process

Free 30-Minute Mortgage Appointment

Step 1

Are you facing challenges related to your mortgage and seeking guidance from a trusted mortgage advisor in Derby? We understand your concerns and are here to help you achieve your goals.

During your free mortgage appointment with our knowledgeable mortgage advisor in Derby, we will require details about your income and expenses to assess your affordability accurately.

We Can Search 1000s of Mortgage Deals

Step 2

Although certain circumstances may limit your options, we will search through 1000 deals to find the best possible solution for you.

Our next step is to obtain an agreement in principle, which can be used to support any purchase offers you make.

Submit Your Mortgage Application

Step 3

Upon acceptance of a purchase offer, our mortgage advisor in Derby will diligently handle the submission of your complete mortgage application, along with the necessary supporting documents.

Throughout the process, you will be assigned a dedicated case manager who will keep you well-informed until you receive your mortgage offer and successfully complete your property purchase.

Protecting You and Your Mortgage

Step 4

Our service extends beyond securing the best possible deal for you. We also provide valuable advice on relevant insurance policies to provide financial protection for you and your loved ones.

We will contact you again when your mortgage is due for renewal to ensure that you are still on the most favorable deals.

Reasons to Choose us

Free Mortgage Appointment

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If you happen to be concerned about your credit score at all, we would highly suggest that you look to obtain for yourself an up-to-date credit report as it can help you understand your current credit position better.

This will be incredibly useful when it comes to your free initial mortgage appointment, as your personal credit report gives us a much better overview of you as a person, what you are looking to achieve and what might be the best route to take when looking to find you the best mortgage deal.

1000s of Deals

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One of the benefits of using us as a mortgage broker in Derby is are able to choose from a wide variety of specialist mortgage lenders on panel, each who have their own lending criteria that we are able to match our customers against.

Our expert team of mortgage advisors in Derby are able to use their knowledge and experience that they have been able to gather over their multitude of years within the world of mortgages, in order to recommend a customer the absolute best available deal for their situation, that they qualify for.

Our Service

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We always work hard for our customers, making sure they’re put first and with their best interests at heart. We aim to keep all of our customers well informed and looked after throughout their process, providing them with the best service we can possibly provide and answering any questions they have.

7 Days a Week

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As a company that truly prides itself on being able to provide everyone who gets in touch with fast, friendly, clear & simple mortgage advice in Derby, we will be there throughout your entire mortgage journey. Book your free mortgage appointment and we will see how we are able to help you.

Malcolm and Amy Davidson - Mortgage Advice in Derby

We Search 1000s of Specialist Mortgage Deals in Derby

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Specialist Mortgage Scenarios in Derby`

An In-Depth Look at Specialist Mortgage Scenarios

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We have many specialist mortgage lenders on the panel, all with unique mortgage lending criteria. Our trusted mortgage advisors in Derby,utilise their knowledge and experience over the years to recommend our customers the most suitable deal based on your situation and the lending criteria.

If you have any questions regarding your credit score, we recommend getting an up-to-date copy of your credit report. This documentation will come in handy during your free initial mortgage appointment. It helps give our mortgage advisors in Derby a better understanding of what you’re looking to achieve and steer us in the right direction to find you the most suitable recommendation.

During your mortgage process, you are our responsibility. Our mortgage advice team are available 7 days a week and always aim to give you open and honest mortgage advice in Derby and remain by your side through every step of your mortgage process.

To speak with a mortgage advisor in Derby, get yourself booked in for your free mortgage appointment online or give us a call.

Property Down Valuation

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A property down valuation is where you had a property survey carried out on the property only to find out that the offer you put forward is above the property’s market value.

What may happen is your lender pulls out of the deal. However, this can alter if you can make up the difference between your offer and the properties actual value.

Divorce & Separation Mortgage Advice

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Making future arrangements for the next step together can be exciting but also challenging, especially when your relationship turns sour, and now you are both tied to a mortgage together.

Maybe things have gotten out of hand in your personal life, and you are going through a divorce or separation. We recommend getting this sorted out as soon as possible.

Remove a Person From a Mortgage

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Similar to divorce and separation, there may come a time when you are looking to remove your name or your ex-partner’s name from your mortgage.

Depending on how stable you are financial, you may face limited options because your affordability is now only based on a single income rather than two.

Single Name Mortgages for Married Applicants

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If you are married and considering obtaining a mortgage on a home for you and your partner, mortgage lenders always prefer both applicants be named on the mortgage, though it is possible to obtain a mortgage in one name.

Shared Ownership

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The Shared Ownership Scheme is handy for allowing applicants to obtain a mortgage as a share, initially on only a percentage of the property.

The percentage is usually between 25%-75% whoever owns the remaining share of the property, most likely to be the local authority. Regarding how your repayments work, you will pay the money back in monthly rent alongside your mortgage repayments.

Professional Mortgages

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Professional mortgages are only available by precise lines of work. It’s an incredible niche section of the mortgage market. Because of this, you need to speak with Specialist Mortgage Advisors in Derby for more information about professional mortgages.

Second Home Mortgages

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If you plan to take out a mortgage on more than one home, you must present your financial stability to the lender. This will show that your income is financially enough to cover the costs. Lucky for you, we can help prepare you for this.

Holiday Home / Let Mortgages

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Holiday lets operate in a similar way to a Buy to let Mortgage. The main difference is that your property might not always be occupied during down periods. In some situations, you are paying monthly costs on an empty property.

In situations like this, lenders need to be confident to lend to you. It would be best if you showed that you could afford your repayments at all times, whether someone is renting in the property or not.

New Build Mortgages

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New builds can often cost a little bit more than slightly older properties, but some will argue it’s worth every penny. If you find it challenging to save up for your primary deposit, you could be eligible in one of the UK Government’s Help to Buy Schemes to help get you on the property ladder.

Non-Standard Construction Property Mortgages

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A ‘non-standard’ property is a property not built from building materials like mortar or bricks. If you need to take out a mortgage on a non-standard property, you need to speak to a specialist Mortgage Advisor in Derby. We highly recommend getting a full structural property survey if you are looking to purchase a non-standard property.

Multiple Applicant/House of Multiple Occupation Mortgages

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HMO properties are properties usually bought to lets with 4-6 tenants. You may see these used for student accommodation. Looking into Mortgage Advice in Derby can be the help you need to get you an HMO mortgage if you are eligible.

Mortgages Past Retirement Date / Lifetime Mortgages

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If you have built up an amount of equity in your property, you may be able to release some of this and turn it into cash by taking out a lifetime mortgage. We would recommend speaking to a specialist mortgage advisor in Derby if you are over the age of 55.

Offset Mortgages

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An Offset mortgage is where it combines a savings account with your Mortgage. Offset mortgages are a suitable method of helping you access competitive mortgage products and interest rates.

Mortgage Guides & Derbymoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.

UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.

We are entered on the Financial Services Register No. 627742 at

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