The administrative capital of Derbyshire, Derby has been a settlement for both Romans, Saxons & Vikings. Derby has had a rich history, and it is here that Bonnie Prince Charlie made his camp while marching to seize the English crown. In 1977 Derby was finally awarded city status, and in 2003 it was granted a 'Fair Trade City' status. Famous landmarks in Derby include the Cathedral and many museums.
With house prices in Derby being on average £126,000, lower than the than the national average (figures supplied by Hometrack), taking out a mortgage has become more popular.
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If you have a fixed rate mortgage and you fail to make the monthly repayments, you may be penalised. If you feel that on some occasions you may not be able to make the repayments and you don't want to run the risk of financial penalties then perhaps another mortgage type may be more suitable.
In these cases it may be that a flexible mortgage may a more suitable mortgage product for you!
Remember however that you might end up paying a little more with a flexible mortgage compared to a fixed-rate mortgage; as a flexible-rate mortgage is a more 'risky' product the providers may charge a higher APR
Fixed rate mortgages - With this type of mortgage the repayment rate stays constant per month
Flexible mortgages - This type of mortgage allows you take flexible 'breaks'
Buy-to-let Mortgages - This mortgage applies if you have just purchased a house with the intention of renting to tenants
Remortgages - Want to change your mortgage repayment plan or provider? Read our section on remortgages first!
Tracker mortgages - These mortgages follow the Bank of England base rate; you could possible save money by employing a tracker mortgage
First Time Buyer mortgages - These mortgages are appropriate if you are buying a house for the first time
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