Carl Derbyshire - Mortgage Advisor

Carl Derbyshire - Mortgage Advisor Mortgage & Protection advisor for Renshaw Wealth, Ilkeston. Helping First Time Buyers & Home owners
(1)

08/09/2026

Mortgage advisors, solicitors & banks will need;

Proof of income. (Some lenders want a P60 as well as payslips)

Proof of deposit. (Savings account statements or a gift letter)

Bank Statements.

ID.

A copy of your recent credit report is extremely helpful as well, as this will show what accounts you have open, balances on any finance agreements and your payment history.

This is why it's important to get good people involved in your house buying journey.Solicitors. Mortgage Advisors.Get pe...
08/09/2026

This is why it's important to get good people involved in your house buying journey.

Solicitors. Mortgage Advisors.

Get people who actually care and want to do a good job for you.

08/09/2026

Another thing we do different to most advisors, is offer our clients a free annual review - a financial health check.

A lot can change in a year, both personally and in the local & global economy.

We just want to make sure the advice we provided previously is still suitable.

Or if your circumstances have changed, can we look at mortgage overpayments?

Or do your insurances need amending?

Plus it's a chance to explain what's happening in the financial world and how it can impact you, and to give you the opportunity to ask me any questions.

07/09/2026

🏠 Looking to buy a house?

I've helped hundreds of first time buyers get their mortgage offers over the last 7 years

Here's 5 tips to help you prepare for a successful mortgage application.

1) Check that all of your ID, bank statements & payslips show your correct name and address.

2) Register for the electoral roll. (This can increase your credit score and help banks verify your address).

3) Make sure you don't miss any payments on any bills, credit cards or financial commitments.

4) Save as much money as possible for your deposit, professional fees and to go towards updating & furnishing your new home. (There are lots of low deposit mortgage deals available!)

5) Find out what you can borrow as a mortgage BEFORE viewing houses.

Thank you to all my mortgage clients for the Google reviews, we now have over 380 5-star reviews!

First time buyer mortgage advisor in Ilkeston

07/09/2026

When can you choose a new fixed rate mortgage, if your current deal is due to end?

If you move to a new lender (known as a remortgage), you can arrange these deals around 6 months before your current deal ends.

Your current mortgage provider may not be as flexible. Most lenders will let you pick a new rate if you stay with them around 3-4 months before your deal ends.

Moving to a new bank not only allows you to secure a new deal and protect you from rate increases, it also allows you to renegotiate your overall mortgage length - meaning you can look to get it paid off earlier. This means less interest paid to the bank, and you become mortgage free earlier.

Don't just stay with the same lender. Look at options 6 months before your current deal ends.

07/09/2026

September 2026 mortgage rate updates;

Government borrowing costs and increasing 'swap rates' are leading to a number of big mortgage providers increasing their interest rates. This is because it is costing the banks more to get the money in - and the cost is passed on to you, the borrower.

The next Bank of England base rate review is set for September 17th, however a common misconception is that the base rate directly influences fixed mortgage rates. Whereas the fixed mortgage rates are influenced more by the 'swap rates', which have recently increased.

It's still a busy housing market in Ilkeston with many of my first time buyers getting offers on houses accepted, and existing clients getting new mortgage deals lined up.

We've also had 2 new 5* Google reviews over the weekend, taking the team to 382 reviews! Thank you to everyone who has helped us achieve this!

06/09/2026

Low deposit mortgage options in 2026;

0% deposit

1% deposit (must be a minimum of £5,000 deposit)

2% deposit

2.5% deposit

3% deposit

5% deposit (a lot of lenders that I have access to offer this)

A bigger deposit gives you more options & can open up better rates, but a 10% deposit is no longer a requirement.

You may be closer to your first house purchase than you think!

06/09/2026

🏠 Looking to buy a house?

I've helped hundreds of first time buyers get their mortgage offers over the last 7 years.

Here's 5 tips to help you prepare for a successful mortgage application.

1) Check that all of your ID, bank statements & payslips show your correct name and address.

2) Register for the electoral roll. (This can increase your credit score and help banks verify your address).

3) Make sure you don't miss any payments on any bills, credit cards or financial commitments.

4) Save as much money as possible for your deposit, professional fees and to go towards updating & furnishing your new home. (There are lots of low deposit mortgage deals available!)

5) Find out what you can borrow as a mortgage BEFORE viewing houses.

Thank you to all my mortgage clients for the Google reviews, we now have over 375 5-star reviews!

First time buyer mortgage advisor in Ilkeston

🏠 Looking to buy your first house?I've helped hundreds of first time buyers get their mortgage offers over the last 7 ye...
06/09/2026

🏠 Looking to buy your first house?

I've helped hundreds of first time buyers get their mortgage offers over the last 7 years.

Here's 5 tips to help you prepare for a successful mortgage application.

1) Check that all of your ID, bank statements & payslips show your correct name and address.

2) Register for the electoral roll. (This can increase your credit score and help banks verify your address).

3) Make sure you don't miss any payments on any bills, credit cards or financial commitments.

4) Save as much money as possible for your deposit, professional fees and to go towards updating & furnishing your new home. (There are lots of low deposit mortgage deals available!)

5) Find out what you can borrow as a mortgage BEFORE viewing houses.

Thank you to all my mortgage clients for the Google reviews, we now have over 375 5-star reviews!

First time buyer mortgage advisor in Ilkeston

05/09/2026

I'm not fussy.

I love a fillet steak. I love a good pizza. I've probably ate more pasta than anyone else in the world.

We even tried snail on the Disney Cruise. Something I wouldn't have entertained a few years back!

What's your favourite?

Address

Ilkeston
Ilkeston
DE78

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