Independent Mortgage & Commercial Finance Broker in Derby – Trusted & Independent
- Independent Advice
- Exclusive Products Available
- Access to Competitive Rates
Speak to us today about the most suitable options for you.
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Independent – Friendly – Local Experts
Looking for fast, personal financial guidance in Derby? We specialise in mortgage and commercial finance solutions tailored to homeowners, landlords, and business owners across Derbyshire.
Why Choose a Derby-Based Broker?
- Local market knowledge – We understand Derby’s property values, neighbourhood trends, and key lending criteria.
- Personal service – Deal with a local broker near you but still benefit from a fully online process.
- Wide lender access – From high-street to specialist lenders, we find the best fit for you.
Our Services
- Residential Mortgages
- Buy-to-Let & Investment Mortgages
- Single and portfolio landlords
- Multi-let and refurbishment finance
- Interest-only and repayment options
- Commercial Finance
- Self-Employed & Company Director Mortgages
- Specialist support with Limited Company Director income
- Dividend and net profit-based lending solutions
- Sole-traders
- Contractors
- Specialist Cases
- Adverse credit cases (CCJs, defaults, missed payments)
- Bankruptcies, IVAs, and Debt Management Plans (DMP)
- Short trading history and minimal deposit scenarios
How We Work
Free Initial Consultation
We start by understanding your goals and financial situation. We help all of our clients around the UK remotely. Even those in Derby. This means we process everything over the phone and via emails, giving you a very streamlined and efficient service.
Lender Matching & Offer Comparison
We compile the best deals from a large panel of lenders in the market place and present tailored options.
Application Management
One point of contact – handling documents, lender queries, and progress tracking.
Completion & Ongoing Support
We see you through to completion and review options for your future plans.
What Makes Us Different
- Effective local results – In-depth understanding of Derbyshire’s market nuances
- Independent advice – No pressure to recommend internal products
- FCA-authorised protection – Your peace of mind is our priority
- Proactive communication – Accessible and transparent, from day one
What is the history of Fifty Nine Financial?
The business was established by Director & Advisor Gavin Burrows.
“After a period of time working as a Self-Employed Mortgage Adviser, I decided that I wanted to set up my own business, so on the 1st of April 2019 Fifty Nine Financial was born and we were directly authorised with the FCA as of that date.
When you deal with Fifty Nine Financial, you will always deal with me. It’s a small independent business but we work with many large exclusive clients. I believe this is thanks to the service I provide, the relationships we build, and the reputation I have built along the way.”
Real Client Success
Don’t just take our word for it – check out our reviews on Google or Trustpilot
Ready to Start?
Contact Us Today for a Free, No-Obligation Chat
Frequently Asked Questions
Typical residential mortgages offer can be achieved in a matter of days. Sometimes even less than 24 hrs! However, a purchase mortgage may take a number of months before you finally complete due to the requirements on the legal side of things. And it typically takes 4–6 weeks for completion of a remortgage; commercial or buy-to-let may take longer, depending on complexity.
Absolutely. Local brokers understand Derby’s unique property landscape, lenders’ regional criteria, and can speed up the process.
Yes—we work with specialist lenders who assess individual circumstances and provide realistic options.
For more info – check out our page all about mortgages with bad credit.
We offer a transparent fee structure – detailed during your free consultation. Our typical for arranging a residential mortgage with no adverse credit history is £495 – this payment is due in full once you receive a full mortgage offer.
Mortgage & Commercial Finance Advice You Can Trust
– Right Here in Derby.
Why Fifty Nine Financial?
- Access to Whole of Market
- Specialist Finance Broker
- Exceptional Customer Service
- No Upfront Fees
