First Time Buyers in Derby.
The process of buying a home can be overwhelming for the first-time buyers, especially with so much competition and pressure from agents.
No Broker Fee
Pay no broker fee when you consult or get started with us.
Minimum Paperwork
Get with the process with very minimal paperwork and get the work done.
Best Market Deal
Getting the best market deal, also find the best deal from your current lender.
First-Time Buyers mortgage advice for homeowners in Derby.
The process of buying a home can be overwhelming for the first time buyer, especially with so much competition and pressure from agents. MortgagesRM – Fee Free Mortgage Advisor in Derby can assist you to find the best mortgage for your needs and can act as a consultant to guide you through the buying process. When you are ready to purchase a property, it is always good to have an agreement in principle ready. Stephen Kerrigan, Mortgage Advisor in Doncaster can help with this.
MortgagesRM guarantees that you'll have the best first-time buyers experience without needing to pay a fee.
We offer a flexible service that gives you the power to choose how and when you want to get in touch with us. That could be online, over the phone, or in our office – we are here to help whenever you need assistance.
We have exclusive 90-95% First Time Buyer mortgages that make the dream of home ownership more affordable. Rest easy because our “Best in Market” mortgage promise guarantees you a competitive rate and exceptional service.
Come and see for yourself how we’ve helped thousands of first-time buyers just like you.
Have Any Questions?
Contact our expert team for mortgage advice in Derby
Trustindex verifies that the original source of the review is Google.
J Morris2024-08-22*FIRST CLASS SERVICE* STEVE HAS ENABLED THE FAMILY TO GAIN A MORTGAGE DURING A DIFFICULT SET OF CIRCUMSTANCES FOR WHICH WE ARE VERY GRATEFUL HIS EXPERIENCE IN FINDING THE BEST PRODUCT TO SUIT THE SITUATION CANNOT BE UNDERESTIMATED WE ARE NOW LOOKING AT A FASTER COMPLETION AND AN EASY TRANSITION DUE TO HIS KNOWLEDGE AND ATTENTION TO DETAIL MUCH APPRECIATED AND WE HIGHLY RECOMMEND THANKYOU AGAIN STEVE AUG 2024Trustindex verifies that the original source of the review is Google.Steve Finnegan2024-08-18Stephen was recommended by a friend and I must say this was a great recommendation. The outcome and service was excellent. Great communication and kept us updated at every step. I would highly recommend him to anyone looking to move or remortgage.Trustindex verifies that the original source of the review is Google.Clare Hardacre2024-08-17Excellent service from Steven, will definitely use again. Hassle free and saved me money.Trustindex verifies that the original source of the review is Google.Jack2024-08-15Me and my partner required a remortgage on our property. Stephen was extremely helpful and answered all our questions. Remortgage was sorted within days. First class service and highly recommend.Trustindex verifies that the original source of the review is Google.Emma W2024-07-25Me and my partner are absolutely thrilled to share my exceptional experience with Stephen, a mortgage broker who turned my homeownership dreams into reality, despite our adverse credit and both being self employed. From the very beginning, Stephen demonstrated an unparalleled level of expertise and dedication. As both of us being self-employed individuals with adverse credit, we were initially apprehensive about my prospects of securing a mortgage. However, Stephen immediately put our minds at ease with their deep understanding of the market and their unwavering commitment to finding the best solution for me. The entire process was smooth and transparent. Stephens meticulously reviewed my financial history and worked tirelessly to identify the most suitable mortgage options. Their ability to navigate the complexities of the mortgage landscape was truly impressive. They patiently explained each step, ensuring I was well-informed and confident in every decision. What sets Stephen apart is their genuine care and personal touch. They took the time to understand my unique circumstances and tailored their approach to meet my specific needs. Their proactive communication and responsiveness were invaluable, making me feel supported and reassured throughout the journey. We wholeheartedly recommend Stephen to anyone seeking a mortgage broker who will go above and beyond to secure the best possible outcome, even in the face of adversity. Thank you again!!Trustindex verifies that the original source of the review is Google.Leah harper2024-07-03The whole process was really easy, couldn’t believe how easy with the help of Steve! Any questions we had he answered straight away, I definitely recommend and would class the experience as 10/10 thanks to Steve!Trustindex verifies that the original source of the review is Google.Lewis Leatherbarrow2024-07-02Brilliant service, could not fault a thing!Trustindex verifies that the original source of the review is Google.Ada Fedorowicz2024-06-17Stephen has helped us with our first house purchase and I couldn't recommend him more! He is a true Speedy Gonzales sorting things out in a blink of an eye.Trustindex verifies that the original source of the review is Google.LILI MUSIC2024-06-07I will definitely use Stephen again when I remortgage because he is very trustworthy and explains everything with details. Very high quality work ethics.Trustindex verifies that the original source of the review is Google.Natalie Walton2024-05-31A huge thank you to Steve and his team for sorting our first time mortgage. Couldn't have chosen a better advisor, Steve was efficient, patient and so helpful in sorting everything for us with ease! Answered every silly question we had straight away and was able to get a mortgage and Solicitors for us quickly (after 2 years of trying to find the right house he was with us every step of the way) - I wouldn't chose any other broker. Thank you, thank you, thank you!
Our Services
Fast & Bespoke Mortgage Advice in Derby
All of our customers matter to us, especially those who are looking for Mortgage Advice in Derby – it’s not just about finding a mortgage. It’s about the journey, we will guide you through the entire process.
First Time Buyer
Purchasing your first home can be a little bit scary, but we’re here to help with all the challenges of finding your perfect home.
Remortgages
Looking for a better mortgage deal? The process is often not as easy as it first appears.
Moving Home
Thinking of selling your existing house and moving to a new home? It is important that you try and budget accurately.
Buy-to-Let
This can be one of the popular mortgage options available for those wishing to invest in residential & rental property.
Call us today!
To speak with a mortgage advisor, book your FREE mortgage appointment online or give us a call.
We're rated 5 stars because we care.
How much can I borrow?
It depends on the size of your household income as to what mortgage you can get Some lenders use a multiple of your income others look at how much you can afford based on your income and outgoings. As a rough guide, a typical multiple is four times your income.
This can vary depending on your personal circumstances and the lenders criteria. Lenders who look at what you can afford base this on the number of people applying for the mortgage and any loans or debts that you have outstanding..
Some lenders offer very good deals for first time buyers, so it always worth asking us to research the market on your behalf..
Stephen Kerrigan, our Fee Free Mortgage Advisor will calculate the max amount you can borrow based on your personal circumstances. He’ll explain the purchase process and answer any questions you have in a clear manner.
MortgagesRM provides a service that is 100% FREE from start to finish so you never have to worry about any “hidden costs”, and we are just a phone call away.
We promise to find the perfect home mortgage for you.
We’ll take care of all the work with your lender, solicitor, and surveyor so you don’t have to worry about it.
Last, but certainly not least, we’ll take care of all the paperwork.
Having a wealth of knowledge in the mortgage & protection market. We provide a service face to face or over the phone.
Home appointments?
No problem.
We pride ourselves in offering our customers a first-class service from the moment you speak to one of our friendly & experienced Mortgage Brokers in Derby.
Get started online now
Frequently Asked Questions
How much deposit do I need for a mortgage?
A minimum deposit is required for purchasing a property in Doncaster. High street lenders typically require a 5% deposit. A higher deposit may be required if you have had credit problems in the past.
Can I get a mortgage if I am self-employed?
Yes, however, you must submit at least one year’s worth of accounts. To compute the maximum mortgage, most lenders in Doncaster use your salary and dividend, while others may use your net profit.
Can I get a second mortgage?
Second mortgages are possible. This includes debt consolidation and home improvements. A second mortgage can also be obtained on a second property, but only if it is for the owner’s personal use, a family member’s use, a holiday home or a rental property.
How long does the mortgage process take?
It will take about an hour for our free mortgage consultation in Doncaster. Upon completion of your consultation, we can arrange an agreement in principle for you in about 24 hours. A formal offer takes about three weeks.
What documents do I need to send you?
You must provide three payslips to prove your income if you are an employee. You will need to supply the latest 2 years’ accounts if you are self-employed in Doncaster. Additionally, you must provide proof of identity, address, and three months of bank statements.
How long will an agreement in principle be valid for?
An agreement in principle typically lasts between 30 and 90 days, but it can vary based on your lender. It is quite simple to renew an agreement in principle if it expires.
I have bad credit, can I still get a mortgage?
You can do it, but it will be harder. By putting down a higher deposit, perhaps 10% or 15% of the purchase price, you can demonstrate that you can afford a mortgage.
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