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Here Are The Top 10 Independent Mortgage Advisers & Brokers in Derby.
| The Mortgage Zone Ltd. | 2 Marshall Street, Heanor, Derby, DE75 7AT | 01773 535354 | mortgages@tmzh.co.uk | https://www.mortgagezoneheanor.co.uk/ |
| Amber Tree | 47 Merlin Way, Woodville, Swadlincote, Derby, DE11 7QU. | 07747 866176 | 07747 866176 | paul.dawson@2plan.com | http://www.amber-tree.co.uk/ |
| Mortgage Mission Ltd | 38 Derwent Business Centre, Clarke St, Derby, DE1 2BU | 01332 366 077 | enquiries@mortgage-mission.co.uk | https://www.mortgage-mission.co.uk/ |
| Brian Mole Independent Financial Advisers Ltd | Independence House, 26/27 Bridge Street, Burton on Trent, Derby, DE14 1SY | 01283 512252 | support@brianmole.co.uk | http://79.170.40.233/brianmole.co.uk/ |
| Peak Mortgages and Protection | Unit 4C Chattanooga House, Goods Rd, Belper, Derby, DE56 1UU | 01773 826575 | 07891 619500 | rhys.schofield@peakmortgagesandprotection.co.uk | https://peakmortgagesandprotection.co.uk/ |
| Clearwater Commercial Business and Property Finance Limited | Jacksons Lane, Etwall, Derbyshire DE65 6PX | 01283 735811 | enquiries@ccfluk.com | https://www.ccfluk.com/ |
| WOODWARD’S OF RIPLEY LTD | 7-9 Nottingham Road, Ripley, Derby, DE5 3DJ | 01773 744887 | info@woodwardsfs.co.uk | https://woodwardsfs.co.uk/# |
| Direct Finance Solutions Limited | 3 College Place, Cathedral Quarters, Derby, DE1 3DY | 01332 365 545 | andrew@direct-fs.co.uk | http://www.direct-fs.co.uk/ |
How to choose the right mortgage advisers in Derby for your needs
When choosing the right mortgage adviser for your needs, here are some key factors to consider:
Look for whole-of-market mortgage advisers in Derby.
One of the most important things is to find a mortgage adviser that has access to the entire mortgage market, not just a limited panel of lenders. A whole-of-market adviser can compare products from all available lenders to find the best deal tailored to your specific circumstances.
Ask about direct-only deals
Some mortgage products are only available if you apply directly with the lender, not through an adviser. A good adviser should inform you about any direct-only deals that could potentially be cheaper for you, even though they can’t arrange those mortgages themselves.
Consider the type of adviser
You have the choice between traditional mortgage brokers who provide face-to-face or phone advice, and online/digital mortgage advisers in Derby that operate through websites and apps. Evaluate which approach suits your preferences and needs.
Check their qualifications and regulation
Make sure the mortgage advisers in Derby are qualified, regulated by the Financial Conduct Authority (FCA), and follows industry standards. This ensures you receive professional, unbiased advice. Advisers who are members of bodies like the Association of Mortgage Intermediaries (AMI) are a good sign.
Understand their fees and commissions
Mortgage advisers in Derby may charge fees (flat rate, percentage-based, or hourly) or receive commissions from lenders, or both. Get full transparency on their fee structure and how they are compensated before engaging them.
Assess their expertise and customer service
Look for mortgage advisers in Derby with expertise in your specific situation, such as first-time buyers, self-employed, or complex financial circumstances. Read reviews, get recommendations, and ensure they can provide the level of guidance and support you need throughout the process.
By considering factors like whole-of-market access, qualifications, fees, expertise, and customer service, you can increase your chances of finding the right mortgage adviser to secure the best mortgage deal for your unique needs
What questions should you ask mortgage advisers in Derby before hiring them?
When considering hiring mortgage advisers in Derby, it’s important to ask the right questions to ensure you find a qualified and reputable professional who can provide the best guidance and options for your specific circumstances. Here are some key questions you should ask a mortgage adviser before hiring them:
1. Are you authorized and regulated by the Financial Conduct Authority (FCA)?
Ensure the advisers in Derby are properly authorised and regulated by the FCA to provide mortgage advice. You can verify their status on the FCA register.
2. Are you a whole-of-market adviser?
Ask if the advisers in Derby have access to mortgage products from all lenders across the entire market, not just a limited panel. Whole-of-market access gives you the best chance of finding the most suitable deal.
3. How much do you charge, and how are you compensated?
Understand the adviser’s fee structure upfront, whether it’s a flat fee, percentage-based, or hourly rate. Also, ask if they receive commission from lenders and how this could potentially influence their recommendations.
4. What qualifications and experience do you have?
Inquire about the adviser’s qualifications, years of experience, and areas of expertise (e.g., first-time buyers, self-employed, complex cases).
5. Can you explain the different mortgage types and options?
Good mortgage advisers in Derby should be able to clearly explain the various mortgage products, interest rate types, and loan terms to help you make an informed decision.
6. How much can I borrow, and what deposit will I need?
The adviser should assess your financial situation, income, and credit profile to provide an estimate of how much you can borrow and the required deposit amount.
7. What is your process and level of support?
Ask about the adviser’s process, from initial consultation to application and completion, and the level of support and communication you can expect throughout.
8. Do you have professional indemnity insurance?
Ensure the mortgage advisers in Derby have professional indemnity insurance in case you need to make a claim for negligent advice.
9. Can you provide references or reviews?
Request references or read reviews from previous clients to gauge the adviser’s reputation and customer satisfaction levels.
By asking these questions, you can better evaluate a mortgage adviser’s qualifications, expertise, transparency, and ability to find the most suitable mortgage product for your needs.
The Derby Mortgage Advisers Listed Above Cover The Following Derby Postcodes.
Derby DE1 to DE14 postcodes
Postcodes DE15 to DE72 of Derby
Derby DE73 to DE75 postcodes
| DE73 | DERBY | Derby (Chellaston); Barrow upon Trent, Ingleby, Melbourne, Stanton by Bridge, Swarkestone, Ticknall | Derby, South Derbyshire |
|---|---|---|---|
| DE74 | DERBY | Castle Donington, Kegworth, Diseworth, Hemington, Lockington, East Midlands Airport | North West Leicestershire, Rushcliffe |
| DE75 | HEANOR | Heanor, Loscoe, Shipley | Amber Valley |
More Derby Information.
| Coordinates: 52.9247°N 1.4780°W[1] | |
| OS grid reference | SK 3518 3649[1] |
|---|---|
| Sovereign state | United Kingdom |
| Country | England |
| Region | East Midlands |
| Ceremonial county | Derbyshire |
| Settled | 600 |
| City status | 1977 |
| Unitary authority | 1997 |
| Administrative HQ | Council House, Derby |
| Areas of the city (2011 census BUASD) | List |
| Government | |
| • Type | Unitary authority with leader and cabinet |
| • Body | Derby City Council |
| • Control | No overall control |
| • Leader | Baggy Shanker (L) |
| • Mayor | Alan Graves |
| • Chief Executive | Paul Simpson |
| • House of Commons | 3 MPs |
| Area | |
| • Total | 30 sq mi (78 km2) |
| • Rank | 221st |
| Population (2022)[4] | |
| • Total | 263,490 |
| • Rank | 68th |
| • Density | 8,750/sq mi (3,377/km2) |
| Demonym | Derbeian |
| Ethnicity (2021) | |
| • Ethnic groups | List |
| Religion (2021) | |
| • Religion | List |
| Time zone | UTC+0 (GMT) |
| • Summer (DST) | UTC+1 (BST) |
| Postcode area | DE1, 3, 21–24, 73 |
| Dialling code | 01332 |
| ISO 3166 code | GB-DER |
| GSS code | E06000015 |
| ITL code | TLF11 |
| GVA | 2021 estimate[6] |
| • Total | £7.5 billion |
| • Per capita | £28,627 |
| GDP (nominal) | 2021 estimate[6] |
| • Total | £8.4 billion |
| • Per capita | £32,025 |
| Website | derby |
Speak to Derby mortgage advisers for help and advice. By using Mortgage Brokers Network we can connect you with over 2,500 Mortgage advisers throughout the UK. Please use our ‘Get Mortgage Advice’ quote form to receive advice from Derby mortgage advisers. Or scroll through the companies listed and contact the mortgage advisers directly.
