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Our advisers have over 50 years experience combined let us help you navigate the mortgage market

Professional mortgage advice with a friendly, personal approach

Understanding the mortgage market can be confusing, complex and tedious at the best of times, but with Charles Derby Mortgage Bureau you have your very own team of experts to explore the most suitable mortgage products for your unique situation, ensuring you get the right deal for your financial future and lifestyle. Our advisers have over 50 years experience combined navigating the mortgage market and sourcing the most suitable deals for residential and commercial customers in the UK, we focus on delivering straight-talking advice. Whether you’re looking to buy your first home, generate a second income stream with a buy to let mortgage, or find a retirement interest-only mortgage with a term that matches your future plans, we can help you make the right decision for your long term goals.

Equity release will reduce the value of your estate and can affect your eligibility for means tested benefits.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Commercial mortgages are on a referral basis.

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

First Time Buyer (FTB)

When you’ve saved up enough hard-earned money for a mortgage, it should feel like you’ve met a huge milestone, and one that leaves you feeling excited for the years ahead. There can also be an underlying daunting feeling, especially when reviewing the many thousands of products on the market, but Charles Derby Mortgage Bureau is here to assist you every step of the way. We offer whole of market access, so whether you want the stability of a fixed monthly payment or require a tracker mortgage without an early repayment charge, we can take your needs into account to find the most suitable product for you.

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Moving Home

Whether you’re looking to upgrade to a more spacious family home, wish to relocate to a completely different part of the country or want to stay in your local area but make a short move to a new catchment area, Charles Derby Mortgage Bureau can help you find a deal that enables you to fulfill your goals. Our straight-talking advice and dedicated support can be completely tailored to your busy lifestyle, whilst we can open doors to thousands of mortgage products, ensuring you have access to the whole of the market.

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Buy To Let (BTL)

Our goal is to ensure you make a success of your investment, whether you’re a first-time buyer, a budding landlord with a several homes or a seasoned developer looking to build on your impressive property portfolio. Charles Derby Mortgage Bureau is highly regarded for our expert advice in the BTL sphere, so whether you’re simply looking to develop another revenue stream, or wish to make long-term investment gains, we will go the extra mile to help you find the right mortgage product for your needs.

Some Buy to Lets are not regulated by the Financial Conduct Authority.

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Whether you’re looking to secure a more favourable rate on your home, wish to borrow more money on your property, or want to find a product that gives you the flexibility to overpay, our friendly advisors are on hand to ensure you have access to the best possible advice, as and when you need it.

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Bad Credit Mortgages

Whilst obtaining a mortgage with adverse credit can be tricky, it’s not impossible. Our team of consultants are experienced in sourcing and negotiating ‘bad credit’ mortgage deals, working closely with a number of lenders who are willing to review situations on a case by case basis, looking beyond credit scores. We understand every individual is unique, but your financial problems shouldn’t prevent you from realising your long term goals, and Charles Derby Mortgage Bureau will ensure you get the support you need to move forward.

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Equity Release

If you’re interested in releasing equity via a lifetime mortgage that allows you to keep a set percentage aside, such as an inheritance for your family, or wish to review various home reversion products whereby you receive a single payment or monthly installments, we can help you assess the most suitable products. Our team will ensure you only consider deals that meet your long-term plans.

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We only recommend conveyancers with proven credentials in property transactions, whilst our legal partners work to a pre-agreed fixed price, meaning there are absolutely no hidden surprises when it comes to fees. We know just how important it is to ensure the process of obtaining a mortgage or remortgaging is smooth and swift, and we can help you find the right conveyancer at the right price for the right job.

The Financial Conduct Authority do not regulate conveyancing.

Conveyancing is available by referral only and is not part of the Quilter Financial Planning offering.

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Later Life Lending

If you’re over 50 and looking to boost your finances, purchase your dream home with retirement on the horizon, or want to help your children join the housing ladder, we can give you access to a multitude of highly regarded later life lenders. We’re also more than happy to run through the various features of suitable packages with your family members, helping you make a decision that’s right for your family’s needs as well as your individual circumstances.

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Speak to a Charles Derby Mortgage Bureau Mortgage Adviser today

With all of our clients, we take the time to learn more about their goals, challenges and current financial situations, ensuring we have a good understanding on the mortgage products they’re looking for, as well as their vision for the many years ahead.

So if you’re keen to learn more about us or simply wish to see if we’d be able to help, please do not hesitate to call us on 0330 094 5476 .

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