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.

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.

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.

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.

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.