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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:

Mortgage Lenders 007

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 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 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

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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