See below how you could benefit from our services
How we can help
Mortgages are complex.
There are so many different providers and products to choose from.
With no one-size-fits-all solution we can help as we know them all. Whether you’re looking to buy your first home, save money by remortgaging, wish to relocate, continue to build your property portfolio, or have bad credit. We can decipher the jargon. We will help you understand the market better and will assist you in making the right decision for your future.
With a management team with over five decades of combined experience, we can source the right mortgage at the right time and offer advice via an initial discussion which can be either face to face or on the telephone, without any obligation or cost. Having helped hundreds of first time buyers, home movers and developers, we’re confident we can find the most suitable deal for you.
To learn more about our specialist mortgage service or to speak to us about your goals
and vision for the future, please call Charles Derby Mortgage Bureau (CDMB) today on
0330 094 5476.
Equity release will reduce the value of your estate and can affect your eligibility for means tested benefits.
Commercial mortgages are on a referral basis.
We have access to the whole of market for mortgages to customers across the whole of the UK
Mortgage advice with a tailored, consultative approach
We can provide a complete end-to-end service, acting on your behalf throughout the process of arranging your mortgage.
We can also shortlist the right deals and present them to you in a clear and digestible format, ensuring you have all of the information you could possibly need to make the right decision for your future. Our dependable team has researched and arranged mortgages for a diverse range of individuals and developers:
Your home may be repossessed if you do not keep up repayments on your mortgage.
We emphasise this warning for good reason, it is one to heed. No-one wants to lose their home because something bad happens. We can find you an affordable mortgage, whilst you are working. But what if you can’t work. We can arrange to help future proof you as best as possible, in case life, as it sometimes does, gets tough.
First time buyers (FTB)
Getting a foot on the property ladder can be both daunting and exciting. Whether you’re in a position where you’re currently saving for a deposit, hoping to find a suitable deal thenwe can help you glide through the intricate mortgage maze, reaching the right deal for your dream home.Let us find you a great FTB deal!
Moving to a new home is a huge step. Whether you plan on moving into a larger property that’s perfect for your growing family, wish to relocate to advance your career or want to make the move across town to reside in your desired catchment area, we can guide you through the various options.
Here at Charles Derby Mortgage Bureau, we take the time to look at your individual circumstances, carrying out research, paperwork and processing.Get the right mortgage rate for your new home.
Bad credit mortgages
With access to many specialist lenders, we have helped many clients get back on the road to recovery. Whether you have defaults, CCJ’s (satisfied or not), are in a Debt Management Plan or IVA, Poor Credit Score, have been bankrupt, we have dealt with it all.
The first thing is to understand what lenders see via the Credit Reference Agencies. Once we know what we are dealing with, we can quickly source which lenders are likely to be sympathetic. Find out more about bad credit mortgages.
We understand just how worrying it can be when your current deal is swiftly coming to an end, but it’s important to remember that remortgaging may offer a new opportunity to save money and remain in control of your mortgage. You may even decide to take advantage of a more competitive rate so it becomes cheaper on a monthly basis but want to accelerate your payments with the new lender thus reducing your term.
Whatever your purpose, we carry out all of the research comparing your existing product with the very latest offerings from the market.Find the most suitable mortgage rates.
Buy to let
With access to the mortgage market, we can search thousands of mortgage products to present you with the most suitable deals, helping you make a success of your investment. It’s certainly true that investing in property is much tougher than it once was, but whether you’re hoping to become a landlord for the very first time or already have a number of properties in your ever-growing portfolio, we can help you understand and assess the options available.
Whatever your chosen product, we will look to increase your monthly incomes whilst capturing long term capital growth. Whilst this is not something we can guarantee, we can offer some great rates which will help you better plan your portfolio.
Some Buy to Lets are not regulated by the Financial Conduct Authority.Earn more from your rentals.
Later life lending
With the advent of more lenders and much fairer products coming into this complex market, it is essential to get the right advice. If you’re over 50 and looking to boost your finances or pass funds to your children without having to sell your property, we can help you decide what product is right for you. Your family is welcome to join any meetings as this can help decision making.
Using our decades of experience in this market, we will only recommend products that are suitable for your individual needs and circumstances.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. Equity Release / Lifetime Mortgages / Home Reversion Plan will reduce the value of your estate and can affect your eligibility for means tested benefits.Release equity from your property.
Find and secure the right mortgage without stress and confusion
More than half (55%)* of homeowners found their home-buying experience stressful, but rather than accepting the process as nail-bitingly complex, it’s possible to find the right answers with specialist guidance.
Here at Charles Derby Mortgage Bureau, we can help you obtain a complete picture of the mortgage market, helping you carry out research to find the most suitable deal for your circumstances.
With a personalised approach, we can guide you through the process, saving you time and money. Having developed strong relationships with lenders, we have helped many residential and commercial customers access the most suitable mortgage rates.
Commercial mortgages are available by referral to a master broker only.