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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Find the Right Mortgage for You
Pick the option that fits you best. Each page explains how it works and how we can help.
First-Time Buyers
Help to buy your first home, from your first question to getting the keys.
- See what you could borrow
- Low deposit options
- Stamp Duty relief explained
Remortgages
Deal ending soon? We compare lenders to find your next rate.
- Start up to 6 months before your deal ends
- Switch lender or stay with your own
- Borrow more for home improvements
Moving Home
Selling one home and buying another? We plan the mortgage side for you.
- Move your mortgage or start a new one
- Borrow more for a bigger home
- Timed around your sale
Self-Employed
Mortgages for sole traders, company directors and contractors.
- One or two years of accounts
- We know what paperwork lenders need
- Lenders that suit how you are paid
Buy to Let
Mortgages for landlords, from your first let to a growing portfolio.
- First-time landlords
- Limited company buy to let
- Remortgage your rental homes
Poor Credit
Missed payments or a CCJ? Some lenders may still help.
- Missed payments and defaults
- CCJs and debt plans
- We check your credit report with you
Equity Release
For homeowners aged 55 and over who want to release money from their home.
- Lifetime mortgages
- Stay in your own home
- Family can join the meetings
Commercial and Business Mortgages
Business mortgages for your own premises, plus finance for commercial investment property.
- Premises for your own business
- Commercial investment property
- Mixed-use property
Mortgage Calculators
Free tools to plan your next move before you speak to us.
- How much can I borrow?
- Monthly repayments
- Stamp Duty
Why Choose Mortgage & Finance Arena
Comparing brokers? Our guide on how to choose a mortgage broker in Derby lists seven questions to ask.
Whole of Market
We search lenders across the market, not just one bank’s deals.
Local and Independent
We are based in Pride Park, Derby, and help clients across Derbyshire and the UK.
Plain English
We explain each step and what it costs before you commit.
Meet Us in Derby
Our office is at 12 Melbourne Business Court, Pride Park, Derby DE24 8LZ. You can meet your adviser here, or we can talk by phone or video call if that suits you better.
We help clients in Derby and Derbyshire and across the rest of the UK. Wherever you live, you get the same adviser from your first call until your mortgage completes.
Mortgage FAQs
Our office is at 12 Melbourne Business Court, Pride Park, Derby DE24 8LZ. Call 01332 300300 to book a time to meet.
No. Many clients meet us at Pride Park, but we also give advice by phone and video call. You choose what works for you.
Our fee depends on your case. Before we start any work, we will tell you if there is a fee, how much it is and when you pay it. We may also receive a commission from the lender, and we will tell you about this.
Yes. We compare mortgages from lenders across the market, including some deals you cannot get by going direct.
A broker compares deals from many lenders and handles the application for you. We can also find lenders that suit your situation, such as self-employed income or past credit problems.
Most lenders lend 4 to 4.5 times your income. Some lend more to higher earners. Our borrowing calculator gives you a guide in a few minutes.
Start up to six months before your deal ends. Many lenders let you secure a rate that far ahead, so you do not move onto their standard variable rate.
Yes. Most lenders want two years of accounts or tax returns. Some accept one year. We know which lenders suit your situation.
Often, yes. It depends on what happened and when. Some lenders look at missed payments, defaults and CCJs case by case.
No. We are based in Pride Park, Derby, and we help clients across Derbyshire and the UK.
Your home may be repossessed if you do not keep up repayments on your mortgage. Think carefully before securing other debts against your home. Equity release will reduce the value of your estate and may affect your right to means-tested benefits. Most buy to let and commercial mortgages are not regulated by the Financial Conduct Authority. Mortgage & Finance Arena Ltd is authorised and regulated by the Financial Conduct Authority (FCA No. 706676).
Honest opinions from people like you
There simply are no superlatives sufficient to thank you for your fantastic service! I would highly recommend mortgage and finance area to any of my friends or family looking for a mortgage. You’ve made our dreams come true! The team go above and beyond to make everything so easy.
The advice and financial services I have recently had from Charlotte at Morgage And Finance Ltd in Derby has been first class. Very professional, helpful, efficient and supportive. I wholeheartedly recommend them.
Suzanne and Charlotte were amazing and made the process of buying our first home completely stress-free for us. They were both on hand if we ever had any problems/questions and always responded with knowledgeable and completely honest answers. I would highly recommend.
If I could rate this company more than 5 stars I would. I cannot fault the service and support my partner and I have received whilst getting our first mortgage together. Ian and Megan have been amazing, making the process completely stress free. They were both on hand if we ever had any questions. I would highly recommend. Thank you!
There simply are no superlatives sufficient to thank you for your fantastic service! I would highly recommend mortgage and finance arena to any of my friends or family looking for a mortgage. You’ve made our dreams come true! The team go above and beyond to make everything so easy.