SPECIALIST ADVERSE CREDIT MORTGAGE ADVICE
Worried your credit history could affect your mortgage? Our specialist advisers can help you understand your options.
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A whole-of-market mortgage advisor covers the full UK lender market rather than being tied to a limited panel. For Derby clients that means we can match your specific situation to the right lender first time, which matters most on specialist cases where lender match determines acceptance.
Derby sits on our doorstep and is one of the markets we know best. We help Derby borrowers across the city and surrounding Derbyshire villages. Choosing a mortgage advisor in Derby usually comes down to two things: can they access the full lender market, and do they understand your specific situation? We work across every major UK lender (and most specialist ones) and have particular depth in adverse credit, self-employed cases and complex employment income.
Being Nottingham-based with a national client base means we see Derby cases regularly and know which lenders are most active in the local market. We take care of the admin side of the application, keep you updated on progress, and translate lender-speak back into plain English.
We talk through your situation and goals. No obligation, no credit mark.
We assess the specifics and everything else lenders will want to know.
We target the specialist lenders whose criteria fit your case.
We package the case, submit it and guide you through to offer.
We are an FCA-regulated specialist mortgage broker, authorised under Firm Reference 1002905. Our day-to-day work is heavy on cases that fall outside mainstream lender criteria, which is where whole-of-market access matters most.
You deal with named advisors who place these cases every week, not call centre staff reading from a script. The result is faster assessments, straighter answers and better case placement.
An initial conversation takes 20-30 minutes. From there, we can usually give you a view of what is possible within a day or two of seeing the full picture. The full application takes six to twelve weeks.
Yes. End-of-fix remortgages, product transfers, capital-raising remortgages and debt consolidation remortgages are all core parts of our advisory work.
Usually within 24 hours. An initial 20-30 minute conversation gives us enough to tell you what is likely possible, and we move at your pace from there.
A whole-of-market advisor can access the full UK lender market rather than being tied to a limited panel. For specialist cases this is the single biggest factor in getting an acceptance, because the right lender match is everything.
We will usually know in advance which lender fits your case, which minimises decline risk. If a decline does happen, we review the reason and move the case to another lender, without a repeat hard search where possible.
No upfront advice fees on most mortgage advice cases. We are usually paid by the lender via a procuration fee once your mortgage completes. Any case where a client fee would apply is agreed with you in writing before any work starts.
Yes. Sole traders, limited company directors and contractors are all familiar case types for us, including those with just one or two years of accounts.
Look for a whole-of-market, FCA-regulated advisor with experience in your specific situation. We cover the full UK lender market and specialise in adverse credit and complex cases, alongside straightforward purchases and remortgages.
A free initial chat gets you a clear view of what’s actually possible. Soft search only, no obligation, no commitment.
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
My Mortgage Specialist Ltd is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 1002905, an Appointed Representative of TMG Direct Limited (FRN 786245) which is authorised and regulated by the Financial Conduct Authority. The guidance contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
Some types of buy to let mortgages are not regulated by the Financial Conduct Authority. As a mortgage is secured against your property, it could be repossessed if you do not keep up the mortgage repayments.
