Mortgage Advisor | MortgagesRM > First Time Buyers in Derby

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.

Over 300+ clients rate us 5★

Hundreds of happy homeowners, one trusted mortgage team.

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.

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

      EXCELLENT  
   Based on 311 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   John Barge 
 
 
 
 Trustindex verifies that the original source of the review is Google. Our mortgage broker was Stephen Kerrigan.  He was very professional throughout and regularly kept us up to date with how the mortgage was progressing. The process of arranging a mortgage through Stephen was painless and I would definitely recommend him and his company if you are needing a Mortgage. Thank you Stephen!
  
 
      Posted on Google  
   
   Rob Hawkins 
 
 
 
 Trustindex verifies that the original source of the review is Google. Steve and the team are amazing/ professional and personal always a pleasure thank you
  
 
      Posted on Google  
   
   Sean Burr 
 
 
 
 Trustindex verifies that the original source of the review is Google. Steve has been great help in gaining our mortgage! He has accommodated to our every needs and requirements and jumped through hoops to get the mortgage deal over the line for us!

Highly recommend!
  
 
      Posted on Google  
   
   P Meakin 
 
 
 
 Trustindex verifies that the original source of the review is Google. A friend recommended me to Steve a few years ago and I could see why! His services are second to none and he’s very thorough in communicating and getting the best deal for you. I’ll always know who to ring regarding this matter. Cheers Steve

Pete
  
 
      Posted on Google  
   
   Leona Parnell 
 
 
 
 Trustindex verifies that the original source of the review is Google. Absolutely fantastic service all easy straight forward very informative and explained through out !
Was recommended by a friend and also I will recommend to my friends too
Thank you !!!
  
 
      Posted on Google  
   
   Peter Bob 
 
 
 
 Trustindex verifies that the original source of the review is Google. Stephen Kerrigan is a very competent and professional financial advisor. The cooperation was very pleasant and went without any complications. Stephen was always available in case of any questions. I highly recommend him to all who are looking for someone who will help them get a mortgage efficiently, quickly and without any problems.Stephen thank you very much.
  
 
      Posted on Google  
   
   Chris Fussey 
 
 
 
 Trustindex verifies that the original source of the review is Google. The service from Steve and the team was exceptional as always. Smooth process and incredibly helpful
  
 
      Posted on Google  
   
   Debbie Rose 
 
 
 
 Trustindex verifies that the original source of the review is Google. Realy amazing people ,  realy helpful very very good and reliable. Definitely recommend
  
 
      Posted on Google  
   
   Maruf & Sofia Khalifa 
 
 
 
 Trustindex verifies that the original source of the review is Google. We honestly couldn’t have asked for a better person to help us through the mortgage process. From the very beginning, Stephen made everything feel manageable — he explained things clearly, always kept us in the loop, and was genuinely invested in getting us the best possible deal.

There were moments where things could’ve easily become overwhelming, but Stephen stayed calm, proactive, and incredibly supportive throughout. He took the time to understand our situation, answered every question (no matter how small), and made the whole experience feel less like a transaction and more like someone truly looking out for us.

Thanks to Stephen, we’re now settled with a great mortgage that fits our needs — and we’re incredibly grateful. If you get the chance to work with him, take it. You’ll be in safe hands.
  
 
      Posted on Google  
   
   Tom Howard 
 
 
 
 Trustindex verifies that the original source of the review is Google. Steve is fantastic, great attention to detail, everything goes quickly and smoothly, and he has saved us £100s each month going forwards.

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 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 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.

Have Any Questions?

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

Book your consultation today!

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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Areas we Cover

First Time Buyers Doncaster

First Time Buyers Sheffield

First Time Buyers Barnsley

First Time Buyers Scunthorpe

First Time Buyers Armthorpe

First Time Buyers Kirk Sandall

First Time Buyers Askern

First Time Buyers Finningley

First Time Buyers Auckley

First Time Buyers Sprotbrough

First Time Buyers Rossington

First Time Buyers Silkstone

First Time Buyers Conisbrough

First Time Buyers Cantley

First Time Buyers Leverton

First Time Buyers Thorne

First Time Buyers Bentley

First Time Buyers Carcroft

First Time Buyers Loversall

First Time Buyers Warmsworth

First Time Buyers Tickhill

First Time Buyers Norton

First Time Buyers Mexborough

First Time Buyers Hatfield

First Time Buyers Barnby Dun