Mortgages

Choosing the right mortgage for your needs can be a daunting experience and knowing which option to choose can be a difficult decision.

Independent mortgage advisors

Based near Ashbourne, we offer mortgage advice for Derby, Ashbourne, Lichfield, Burton-upon-Trent, East Leake and Uttoxeter. We offer independent advice and are not tied to any mortgage provider. This means that we are in the perfect position to scour the market for the best schemes available to our clients.

We have helped hundreds of people make that right choice for them based on their own individual circumstances.

Having many years experience in the mortgage industry, we have the expert knowledge to provide the right advice and the ability to efficiently process applications from offer to completion.

Our mortgage specialist, Richard Lester has 17 years experience in Financial Services with 15 of those based in the mortgage market. Richard has worked at director level at large mortgage brokerages in the East Midlands and takes the view that clients need to be guided through the minefield that is the mortgage market.
Richard Lester
Mortgage Advisor

There will be a fee for mortgage advice. The precise amount will depend upon your circumstances, but we estimate that it will be £200.Our advice is tailored to your needs from first time buyers to seasoned property investors.

Tailored to your needs, our mortgage advice covers

First time buyer

As a first time buyer, hunting for a mortgage can be daunting – but we are here to help you. We’ve already checked out the first time buyer mortgage market, finding the best introductory offers, the lowest interest deals and the most flexible options – all from reputable lenders. The amount you can borrow will depend on the size of your deposit, your disposable income and your credit score.

Looking to re-mortgage

 More and more UK homeowners are re-mortgaging to save money on their monthly repayments or to raise extra capital to carry out home improvements – so why not spend 5 minutes chatting to us to see if you could save? A re-mortgage – simply switching lender or finding a better deal with your existing lender – could significantly cut your monthly outgoings.

Moving home

Moving home is a great time to see what other mortgage lenders can offer you. As one of the East Midlands leading independent mortgage brokers, we can help you to find the right mortgage at the best rates. Even if you can’t sell your property and still need to buy, we may be able to find a solution to help you get out of the chain you are trapped in.

Buying to let

 Buy to let mortgages are very popular with the UK market expanding dramatically over the last 5 years. However the recent troubles in the market have severely affected the number of products available. If you’re thinking about buy to let mortgages, whether it’s your first investment or you’re a seasoned private landlord, use our free search facility and you’ll find the best option in minutes.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Commercial mortgages are not regulated by the Financial Services Authority. Most forms of buy to let mortgages are not regulated by the Financial Services Authority.

Wanting to release equity

Equity release is a way of raising money against the value of your home. Older homeowners may be able to release part of the value of their home as income or a lump sum. For some people this can be a useful way of freeing up extra money but there may be drawbacks. Any money released may affect your eligibility for means tested benefits for example.

As Equity release is such a complex subject it is vital to take independent financial advice before signing up to a scheme of this kind. That’s why at Apt Financial Management we do not provide individual recommendations in this area and use the services of a specialist equity release firm whom we consider are best placed to provide you with the most appropriate advice for your circumstances.

Looking to buy a commercial property

Many business owners find it frustrating with constant rent increases and landlords who don’t deal with issues surrounding the building. This is why it is becoming increasingly attractive for business owners to buy their own premises so that instead of paying rent, the business is paying a mortgage that is helping to buy a valuable asset for the business and will give the business owner greater flexibility if they want to borrow to expand in the future. We have excellent contacts within the commercial sector – even in the current difficult economic climate, if you can demonstrate serviceability and raise a suitable deposit, the option of buying your own premises is easier than you may think.

Credit Broking

We are also Credit Brokers. This means that if you require a loan other than a mortgage (e.g. a personal loan) we can refer you to a specialist third party who can discuss your specific needs with you. We will not advise you on this type of borrowing and you will need to make up your own mind whether to go ahead with it or not.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Information about our products and services

Whose products do we offer?

We offer a comprehensive range of mortgage products from across the market. We offer both first and second charge mortgages, In some cases we are not able to obtain deals provided directly by a lender.

For those seeking to increase their existing borrowing, alternative finance options may be available and more appropriate for your needs. For example, a further advance from your existing lender or an unsecured loan (e.g. a personal loan). 

How much will you have to pay for our mortgage services?

For establishing your needs, undertaking research and making a recommendation, our typical fee of £200 will be waived, should the commission received from the lender be more than £200. 

If you choose to proceed with our recommendation and the mortgage goes ahead, we will also be paid commission from the lender for arranging the mortgage on your behalf.

The amount of commission we receive varies from lender to lender. Information about the range of commissions available to us from the mortgage products we recommend is available on request.

If you apply for a mortgage that does not go ahead, you will receive a full refund.

You will receive a personalised illustration when considering a particular mortgage. This will highlight the key facts about the mortgage product, including any fees relating to it and the amount of any commission due to us from the mortgage lender.