Business Details
Trusted Mortgage Brokers in Derby | Personalised Solutions
Established with a commitment to simplifying the mortgage process, Derbyshire Mortgage Services has built a reputation on delivering fee-free, expert advice tailored to individual circumstances. Our team of experienced brokers combines over a century of collective expertise to guide clients through every stage of their property journey, from first-time purchases to complex remortgaging solutions. As an authorised and regulated entity by the Financial Conduct Authority, we prioritise transparency, ensuring no hidden fees or unexpected costs. Our local Derbyshire roots enable us to offer face-to-face consultations, while our flexible approach accommodates remote interactions via phone, email, or evening appointments.By maintaining long-term relationships with major lenders, we secure competitive deals suited to diverse financial situations, including self-employed individuals and those with non-traditional income streams. Customer testimonials consistently highlight our patient, knowledgeable service and the stress-free experience we provide. We pride ourselves on being accessible, with no upfront charges, as our fees are covered by lenders upon successful completions. Whether you require guidance on stamp duty calculations or protection policies, our advisors remain dedicated to finding bespoke solutions that align with your long-term goals.
Services
First Time Buyers
Remortgage Services
Self-Employed Mortgages
Lifetime Mortgages
Business Protection
Moving Home
Let to Buy
Right to Buy
Life Protection
Income Protection
Highlights and features
- We offer 100+ years of combined mortgage advisory experience
- Our fee-free service is transparent with no hidden charges
- We work with all major lenders to secure competitive deals
- Dedicated advisors provide continuity throughout the mortgage process
- FCA regulated for your protection and peace of mind
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Excellent service
No fees
Successful mortgage outcomes
Patient and knowledgeable
Highly recommended
Services
First Time Buyers
Specialised mortgage solutions for first-time property purchasers. We simplify the buying process with clear guidance on eligibility criteria, deposit requirements, and government schemes. Our advisors help navigate stamp duty exemptions and secure competitive rates tailored to your income profile, ensuring you find an affordable home without unnecessary financial strain.
Remortgage Services
Expert assistance for homeowners seeking better mortgage terms. We analyse your current arrangement and market options to identify savings opportunities. Our service includes valuation support, penalty calculations, and negotiation with lenders, ensuring a seamless transition to a more favourable deal while maintaining financial stability throughout the process.
Self-Employed Mortgages
Tailored mortgage solutions for self-employed individuals and contractors. We address unique income verification challenges by working with lenders who specialise in non-traditional earnings. Our advisors provide documentation guidance and demonstrate your financial reliability to secure competitive rates, making homeownership accessible despite irregular income patterns.
Lifetime Mortgages
Specialist advice for homeowners aged 55+ seeking to release property equity. We explain different lifetime mortgage products, including fixed and variable rate options. Our guidance covers inheritance implications and interest management strategies, ensuring you make informed decisions about accessing tax-free cash while retaining property ownership.
Business Protection
Comprehensive protection strategies for business owners. We assess your specific needs regarding key person insurance, partnership agreements, and loan protection. Our advisors help establish policies that safeguard against income loss from critical illness or unexpected death, ensuring business continuity and financial security for stakeholders during challenging times.
Questions
What mortgage services do you specifically offer?
We provide first-time buyer mortgages, remortgaging, self-employed solutions, lifetime mortgages, and business protection policies tailored to individual circumstances.
How do you charge for your mortgage services?
Our advice is completely free as we receive commission from lenders upon successful mortgage completions, with no hidden fees or additional charges.
Can self-employed individuals get mortgage assistance?
Yes, we specialise in helping self-employed clients by working with lenders who understand non-traditional income structures and documentation requirements.
What areas do you primarily serve?
While we operate nationwide, we maintain strong Derbyshire roots and prioritise local face-to-face consultations when preferred by clients.
How are you regulated as mortgage brokers?
We're authorised and regulated by the Financial Conduct Authority (FCA) under reference 436257, ensuring compliance with strict industry standards.
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