Independent mortgage advice · Derby
Mortgage Broker Derby. Advice that actually gets you to yes.
Whole-of-market, locally rooted, and genuinely good at the awkward cases — self-employed accounts, complex credit, gifted deposits, second homes. We translate your situation into something a lender will say yes to.
Who we are
A mortgage office, not a call centre.
We’re an independent mortgage practice based in Hilton, ten minutes from Derby city centre. Independence isn’t a marketing line — it means we work for you, not the lender, and we have access to the same products as anyone else in the market.
What sets the work apart is the cases we take on. The straightforward ones we get done quickly. The complicated ones — adverse credit, contractor income, expat buyers, leasehold quirks, properties of unusual construction — are where most brokers say “probably not.” We tend to find a way.
What we do
Four core services. All handled in-house.
01 First Time Buyer
Make sense of deposits, affordability and the credit you actually need. We compare 80+ lenders so you don’t have to guess.
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02 Home Mover
Porting, switching, or starting fresh — we model the trade-offs so the move is the right move financially as well as practically.
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03 Remortgage
Coming off a fix, or looking to release equity for works. We line up your options six months out so you’re never on a default rate.
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04 Buy to Let
From single property to portfolio. Limited-company structures, holiday lets, HMOs — we know which lenders fit which case.
Learn moreWhy us
Senior advice. Local roots. No drama.
We keep the practice small on purpose. Every enquiry is handled by an experienced adviser, not a junior with a checklist.
80+
Lenders compared on every case
15+ yrs
Arranging mortgages in Derbyshire
1 hr
Typical response time during business hours
No
Initial fees, ever, for a first conversation
Local
Built around Derby and Derbyshire.
We know which postcodes get cautious AVMs and which surveyors return reports the same week. We know the conveyancers worth recommending and the new-build estates with leasehold structures worth checking twice.
That ground-level knowledge isn’t something a comparison site can replicate. It saves time, it saves nasty surprises, and occasionally it saves the deal.
Image · Unsplash
Reviews
In our clients’ words.
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Paul made what felt impossible feel routine. We were turned down twice elsewhere and ended up with a better rate than we'd hoped for.
Knew the lenders inside out, told us straight what would and wouldn't fly. Saved us months of guessing.
The local knowledge mattered more than I expected. Paul knew the surveyors, the conveyancers, all of it.
Next step
Ready when you are.
Five minutes on the phone is usually enough to know what’s possible. No pressure, no fees for a chat.