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Our clients deserve results not research

Expert? Specialist? Whatever you’re looking for, our professionally qualified and experienced mortgage advisers will be able to help.

Arrange an initial face to face or telephone mortgage consultation without cost or obligation today

Specialists in adverse &
bad credit mortgages

If you currently have bad credit, we understand how disheartening it can be when door after door is closed. If wish to speak to us about your current situation please call 0330 094 5476 or send us a message

Read more about bad credit mortgages.

Later Life Lending, explore your options with Charles Derby Mortgage Bureau, it is not just about retirement

It’s important to understand that later life lending is not just equity release. As a highly regarded mortgage advisory business, we can assess all of the options available to you.

Read more about later life lending.

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 over five decades of experience, our advisers 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 perfect 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.

The Financial Conduct Authority do not regulate buy to let and commercial mortgages.

Talk to us. Your time, Your way, Your place.
Telephone, Email or Face to Face.

Testimonials

  • Raj is an absolute pleasure to deal with. As first time buyers, we were initially daunted by the process but Raj helped us through every stage and really looked after us; offering friendly and honest advice and making the process as stress free as possible. Who could ask for anything more! Thank you again for all of your hard work and dedication, I have and will continue to recommend Raj to my family and friends.

    Client: Laura Shepherd
    Adviser: Raj Bahia, Mortgage & Protection Adviser

  • I thought there was no hope of being able to remortgage then along came Amir. From the first phone call there was absolute certainty that something could be done and with Amir’s passion, dedication and knowledge he was right. If for whatever reason you need financial help then I can not recommend Amir and Charles Derby enough. Thank you again Amir you really have made our year.

    Client: Craig and Tara
    Adviser: Amir Hameed, Mortgage & Protection Adviser

  • Peter, we have just completed! Literally cannot thank you enough for sticking with the two least mortgageable people EVER! I hope one day if you are ever near you can pop in for a champagne. You are my hero!

    Client: K & S Walker
    Adviser: Peter Matthews, Mortgage & Protection Adviser

  • Raj has been a breath of fresh air, she has taken all my worries away having experienced many years of stress with a shared equity scheme. Raj was nothing but professional and friendly, with a great sense of humour, and she reassured me that everything was going to be OK and that she would do everything she could to get the matter resolved quickly and efficiently. That she did! I have and will continue to recommend Raj to my friends, work colleagues and family. Raj has definitely made me smile again! Thank you Raj you're amazing!

    Client: Cherie Sisson
    Adviser: Raj Bahia, Mortgage & Protection Adviser

  • Since the first time I spoke to Amir to the final email I received confirming my life insurance is in place, I have never worked with someone so helpful and committed.

    Amir has gone out of his way to make both my mortgage and insurance applications as smooth as possible and the speed in which he works is amazing. He is flexible in when he can discuss your application and makes himself available 7 days a week! The man is a mortgage superhero!

    I have already recommended Amir to family members and if anyone ever asks for mortgage advice going forward I will not hesitate to provide his details. I cannot thank Amir enough for ensuring such a smooth transition.

    Client: Rebecca Whitworth
    Adviser: Amir Hameed, Mortgage & Protection Adviser

  • Raj was great from start to finish. Making the whole process absolutely painless. She was able to help with the estate agent when they were being overly pushy and sat me down and talked everything through with me as she knew it was my first house purchase. Would definitely recommend her to everyone and already have done.

    Client: Martin Stewart
    Adviser: Raj Bahia, Mortgage & Protection Adviser

  • Amir Hameed is a very experienced mortgage broker. I engaged Amir to research and complete a remortgage and few insurance policies; they were all executed with no fault, and at the best value in the market. Besides, communication was excellent as I was kept abreast of all steps taken on a regular basis, and any potential issues and costs that were dealt with straight away. I will therefore recommend Amir for his professional and reliable service.

    Client: Dhan Chooramun
    Adviser: Amir Hameed, Mortgage & Protection Adviser

  • Raj is a very professional, honest, knowledgeable, friendly person. Raj always called me exactly when she said she would. She listened very carefully to me, and was very patient when i was trying to find and understand information. Raj tried to find the best policies for my husband and myself. I felt she genuinely wanted what was best for us. We were so lucky to find Raj, and look forward to getting her advice in the future. Thank you Raj.

    Client: Nicola Tonks
    Adviser: Raj Bahia, Mortgage & Protection Adviser

We provide 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, including:

Your home may be repossessed if you do not keep up repayments on your mortgage.
The Financial Conduct Authority does not regulate on Buy to Let Mortgages.

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 future proof you, 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 or looking to take advantage of the Help to Buy (HTB) scheme, we 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 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.

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.

Remortgage

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 whole of 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 maximise your monthly income whilst capturing long term capital growth, and with some great rates on offer we will help you better plan your portfolio.

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.

Release equity from your property.

New build mortgages

Sounds simple, but in fact are often complex deals involving shared equity loans and requiring highly skilled advisers. Too often new build customers are put though a sausage machine where getting the property sold is a higher priority than securing the most suitable deal for you.

Not at Charles Derby Mortgage Bureau, we have a dedicated new build team, who treat everyone fairly, whilst trying to ensure that in the longer term you end up owning all of your home.

Contact us now to find out more.

Find and secure the right mortgage without stress and confusion

Two in five homeowners (41%)* find the mortgage experience stressful, but rather than accepting the process as nail-bitingly complex, it’s possible to find the right answers with specialist guidance.


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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 helped many residential and commercial customers access the most suitable mortgage rates, we’ve developed a strong reputation over the past half-century, bringing our commercial and residential property buyers.

Commercial mortgages are available by referral to a master broker only.

  • A highly experienced management team with over 50 years’ worth of knowledge and expertise
  • Talk to us, Your time, Your way, Your place. Telephone, Email or F2F.
  • With a tailored consultative approach, every member of our team is focused on delivering a first class service
  • We research on a whole of market basis, comparing thousands of mortgage products
  • Our team provides in-depth knowledge on the market and individual lenders, whilst we can quickly examine your financial status in the eyes of mortgages
  • Specialism in the Bad Credit Mortgage market

Get in touch