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Our mortgage broker has access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

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FREE mortgage consultations for Derby

Mortgage Brokers Derby offering free first consultation (terms apply).

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With no need for face to face meetings you'll be called on the same day by one of our mortgage specialist brokers to discuss your circumstances and can support complex applications for Help to Buy, Right to Buy and Shared Ownership mortgages

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You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

How to get a mortgage - or remortgage - in Derby


Derby is a city in Derby County. Landmarks include Derby Cathedral - its tower is nearly 70 metres tall - as well as Derby Gaol, Derby Industrial Museum and Pickford's House Museum. There are a number of excellent open spaces in the city, including Darley Park and Markeaton Park, for outdoor recreation.

The mortgage application process has 4 stages regardless of which mortgage lender you use:

  • Approval in principal (AIP)
  • Mortgage in principal (MIP)
  • Mortgage valuation
  • Mortgage Offer

Read about the full mortgage process here - What is the mortgage process?

Mortgage Broker Tip  

Having difficulty making repayments and on time? Speak to the lenders concerned

You may be in a situation where you are finding it difficult to make the repayments specified on the debt you've taken on. If so, you should get in touch with the companies you owe the money to as they might accept lesser payments from you or give you a grace period (an extension on the deadline by which you must have made a repayment).

Remember that defaulting on payments or making payments late lowers your credit score. If you can come to an arrangement with your creditors, your credit score is much less likely to be harmed.
Top Mortgage Lenders  

Interest-only Mortgage

The basic premise of an interest-only mortgage is that your monthly payments purely cover the cost of servicing the interest on the loan and are not put towards paying down the capital itself.

To pay down the capital, the mortgagor is obliged to save money in another investment vehicle which hopefully generates sufficient cash by the end of the mortgage term to pay off the capital – this is not guaranteed.

Only commercial property buyers such as buy to let investors can access interest-only mortgages at the present time; the higher risk profile of these mortgages is thought to be too dangerous for residential buyers to be involved with.
DE22 3GN

Property Price Stats for Derby


Average property price in Derby £167,341
% Change compared to last year 6%
Population of Derby 248,752 (2011)


The property price data is sourced from the Land Registry's UK House Price Index and you can view up to date property prices by clicking - Land Registry House Price Index >> Land-Registry

RECENTLY COMPLETED MOVES IN Derby

  • 37 Langley Street, Derby DE22 3GN
  • 27 Abbey Street Derby DE22 3SJ
  • 310 Normanton Road, Derby, DE23 6WE
  • 25 King Alfred Street, Derby, DE22 3QL
  • 44 Stenson Road, Normanton Derby DE23 1JB

Local High Street Banks in Derby

Find a mortgage lender near you:
Our mortgage broker specialises in the local area and have completed house surveys in Ockbrook, Borrowash, Duffield, Mackworth, Willington, Barrow-upon-Trent and Shardlow.


  • TSB - 336 Normanton Road, Derby DE23 6WF
  • Yorkshire - 28 St Peters Street, Derby DE1 1SL
  • Lloyds - 43 Iron Gate, Derby DE1 3FT

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Mortgage Broker Tips for the Conveyancing Process

Only use solicitors who have been entrusted with the Conveyancing Quality Scheme (CQS) award..

All solicitors are not the same! The Law Society only gives its Conveyancing Quality Scheme award to applicant solicitor firms who have passed strict quality control assessments and can prove that their standards of experience, qualification and professionalism are sufficiently high.

SAM Conveyancing only employs CQS solicitors who proactively manage all their clients.

Click to get your FREE Fixed Fee Conveyancing Solicitors Quote
*Fixed Fee – No Sale No Fee – On all Major Lender Panels