Make smarter mortgage decisions with stress-free, straightforward advice
Today, finding the right mortgage is an increasingly complex task. With fixed-rate mortgages, adjustable-rates, 30-year terms, minimal deposits and in some instances no deposit (First Time Buyer (FTB) family assisted mortgages), it’s understandable why so many prospective homeowners feel flummoxed. That’s even before considering the sheer quantity of paperwork and third party liaison. Charles Derby Mortgage Bureau’s highly skilled consultants have over 5 decades’ experience combined researching and arranging mortgages for all walks of life. With access to the whole of the mortgage market, we aim to provide only the most suitable mortgages for our clients, regardless of their circumstances. We can also source unique offers from time to time, opening doors to interesting loan deals for individuals with specialist circumstances.
Equity release will reduce the value of your estate and can affect your eligibility for means tested benefits.
Overseas mortgages, commercial, bridging finance and second charge loans are referred to a master broker.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
So whether your needs are simple or complex, our dependable team is well-versed in supporting and guiding people on the following types:
- Residential Purchases/Remortgages
- Help to Buy Schemes
- Shared Ownership schemes
- Right to Buy schemes
- Buy to Let Purchases/Remortgages
- Adverse/Bad Credit Mortgages
- Let to Buy
- Portfolio Landlords
- Ltd Company Purchases/Remortgages
- Holiday Lets
- Ex-Pat Mortgages
- 2nd Charge
- Later Life Lending/Equity Release
Complete mortgage packages built around your needs
We’re with you every step of the way, minimising mortgage stress, whilst searching tens of thousands of deals, ensuring you get the right one, at the right price. Whether you’re looking to get onto the property ladder for the very first time, planning a house move to your desired catchment area, seeking an equity release plan to enjoy a relaxed retirement or require support acquiring a mortgage with an adverse credit rating, we will focus on you – untangling the jargon to help you enjoy a smoother, stress-free journey to buying a home.
Our mortgage services provide a complete package, encompassing all research, paperwork and processing. We are experienced in dealing with other professionals, such as conveyancing solicitors, ensuring all aspects are coordinated for you. This means we become your sole point of contact for the entire transaction. Below are just a few reasons why residential and commercial clients throughout the UK choose Charles Derby Mortgage Bureau to source and agree the most suitable mortgages:
- Research is conducted on a whole of market basis, comparing tens of thousands of mortgage products.
- Our advisers have over 50 years experience combined delivering expert mortgage advice.
- With a bespoke and complete service, we carry out all research, paperwork and processing.
- Our team offers in-depth knowledge on the market and individual lenders, allowing us to review your financial status in the eyes of mortgagees.
- We’re specialists in helping people with bad credit get a mortgage that meets their needs.
A personal approach with whole of market access
Charles Derby Mortgage Bureau has a close, friendly team of experienced consultants equipped with a great deal of professional knowledge. Our expertise is allied to the modern technology we use, sourcing the right mortgage at the most suitable price – meaning we offer a great combination of expert human help with fast, efficient and accurate research you can rely on.
Opening doors to special, market-leading deals
From time to time, special deals crop up, and we’re among the first to know. Through our scale and membership of the Quilter Financial Planning network we're able to access exclusive deals with market-beating terms, and these mortgage products are often NOT available direct to members of the public.
A complete end-to-end service
We can act on your behalf throughout the process of arranging your mortgage. From the initial stages, such as assessing how much you may be able to borrow, through to the eventual completion, we will be with you every step of the way. This means that you will always have help at hand. This is valued by our clients as it provides the assurance needed that challenges will be met and dealt with – something which, particularly with lenders tightening their belts and changing their terms frequently, can be the difference between successfully negotiating terms and falling short, potentially causing the purchase of a desired property to fall through.
You can learn more about our mortgage advice services on our website, but should you wish to speak to us about your plans for the future, please call us today on 0330 094 5476 or send us a message using our quick and easy contact form.