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Emergency Service Mortgages

Free Residential Mortgage Advice for Emergency Service Workers

At First Choice Financial Services, we proudly offer FREE residential mortgage advice tailored specifically for 999 workers, including paramedics, firefighters, and police officers.

Emergency service professionals play a vital role in ensuring public safety, often facing unique challenges when applying for mortgages. Factors such as irregular shift patterns, overtime pay structures, and limited access to traditional banking hours can complicate the mortgage process.

With my past experience in the emergency services, I understand the specific needs and challenges faced by those in the police, ambulance, and fire services. This insight allows me to provide expert guidance and support, ensuring a smoother and more efficient mortgage application process.

Why Choose Us?

Specialised Expertise: My background in emergency services gives me a unique understanding of your needs.
Flexible Appointments: We offer flexible meeting times to accommodate your shift patterns.
Personalised Service: Tailored advice and support for police, ambulance, and fire service mortgages.

Secure your dream home with confidence.

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Fire Fighter Mortgages

Tailored Mortgage Advice for Fire Service Professionals

The fire service stands as one of the UK's largest employers, and while most mortgage lenders are familiar with the intricacies of your income structure, our mission is to go beyond this. At First Choice Financial Services, we specialize in matching you with lenders who have a proven track record of offering the most favorable rates to individuals with income profiles like yours

Our team is dedicated to providing personalized guidance tailored to your financial situation. We not only determine your purchasing power for properties within your budget but also diligently seek out the most suitable rates and deals available in the market

Having served as a firefighter within Derbyshire Fire and Rescue Services for 10 years, I know first hand the unique challenges faced by our Emergency Service Workers. The image on the left is me during my time in service, dealing with a vast range of incidents.

This experience gives me a deep understanding of the stress and strain you are under every day.

Police Mortgages

Tailored Mortgage Advice for Police Officers

This is my partner, she is a Police Officer.

As a police officer, your income structure, including unsocial allowances and overtime, presents various intricacies that can impact your mortgage options. At First Choice Financial Services, we understand these complexities and are here to help.

By working with seasoned mortgage professionals like us, you can rest assured that you'll secure the optimal mortgage solution. We leverage our extensive experience and expertise to navigate the specific challenges and opportunities associated with police mortgages.

Paramedic Mortgages

Tailored Mortgage Advice for Paramedics

This is my niece, she is an experienced Paramedic for EMAS.

Paramedics face unique challenges in the mortgage process due to their distinctive pay structure and work schedule.

As frontline emergency service professionals, paramedics often work irregular hours and may need to travel significant distances from home. These factors can complicate securing a mortgage through traditional avenues

However, there's no need to navigate this process alone. By connecting with specialist lenders experienced in serving frontline emergency service workers, you can access tailored mortgage products designed to meet your specific needs.

We help your Charities

With every completion we donate £25 to charities that help support your services.

The Fire Fighters Charity

We exist to help all serving and retired members of the UK's fire family to live healthier and happier. Here's everything you need to know about how we'll always be here for you and your loved ones.

The Police Childrens Charity

he Police Children’s Charity is a registered Charity which aims to support Police families by helping to ease the financial pressures of bringing up children in the face of life-changing circumstances.

The Ambulance Staff Charity

At The Ambulance Staff Charity (TASC), we provide a range of services to support the mental health, physical rehabilitation, and financial wellbeing of the UK’s ambulance staff, their family members, students, and ambulance service volunteers.

How do I get a mortgage in Derby

As a committed and reliable mortgage advisor serving Derby, we conduct a thorough assessment to understand your situation and requirements before suggesting the ideal mortgage option for you. To proceed, a credit assessment is necessary for an initial agreement. After you've submitted all pertinent paperwork and a property valuation is completed, we can extend a formal mortgage offer to you.
What happens in my free mortgage appointment in Derby

During your complimentary mortgage consultation in Derby, we'll spend approximately 30 - 60 minutes discussing your options. Our mortgage advisor in Derby will then provide a recommendation tailored to your needs. There's absolutely no pressure to accept or proceed with the recommended mortgage if it doesn't suit your preferences.
Im in Derby, how do I get a mortgage in principle

We strongly advise obtaining an Agreement in Principle before attending property viewings in Derby. This proactive step can prevent potential disappointment and enhance your negotiating power when making an offer. Our mortgage advisors in Derby can assist you in obtaining an Agreement in Principle , ensuring a smoother process for you.
In Derby can I get a mortgage with bad credit?

Even if you've encountered credit challenges, securing a mortgage is still feasible. However, you might be required to provide a higher-than-average deposit, potentially upwards of 15% of the purchase price. This approach helps mitigate risk for lenders and increases the likelihood of mortgage approval.
How much deposit do I need for a mortgage in Derby?

In Derby, the deposit required for a mortgage typically ranges from 5% to 20% of the property's purchase price. The exact amount depends on various factors such as your credit history, income, and the lender's criteria.
What documents do I need to apply for a mortgage in Derby?

When applying for a mortgage in Derby, you typically need documents such as proof of identity, proof of income (payslips, tax returns for self-employed individuals), bank statements, proof of address, and details about any outstanding debts or financial commitments.
How long does it take to get a mortgage in Derby?

The time it takes to get a mortgage in Derby can vary depending on factors such as the complexity of your application, the lender's processing times, and the property valuation process. On average, it can take anywhere from two to six weeks to receive a mortgage offer.
What types of mortgages are available in Derby?

In Derby, you can choose from various types of mortgages, including fixed-rate mortgages, variable-rate mortgages, tracker mortgages, interest-only mortgages, and more. Each type has its own benefits and considerations, so it's essential to explore your options carefully.
How does the mortgage application process work in Derby?

The mortgage application process in Derby typically involves several steps, including completing an application form, providing documentation, undergoing a credit check, property valuation, and receiving a mortgage offer. A mortgage advisor can guide you through each stage of the process.
What fees are associated with getting a mortgage in Derby?

When getting a mortgage in Derby, you may encounter fees such as arrangement fees, valuation fees, legal fees, broker fees (if applicable), and early repayment charges. It's essential to factor in these costs when budgeting for your mortgage.
Can I overpay my mortgage in Derby?

Yes, many mortgages in Derby allow you to overpay without penalty, up to a certain limit. Overpaying can help you pay off your mortgage faster and save on interest costs over time.
How much can I borrow for a mortgage in Derby?

The amount you can borrow for a mortgage in Derby depends on factors such as your income, credit history, monthly expenses, and the lender's criteria. A mortgage advisor can assess your affordability and provide guidance on your borrowing capacit

Contact

5 Glenwood Road

Chellaston

Derby

DE73 6UB

01332 498 992

paul@yourfirstchoice.co.uk