Mortgage Advisors Belper
When you need a mortgage or to arrange life insurance you want to be in the safest possible hands. With the most 5 Star Google Reviews in all of Derbyshire, 9 times National Award finalists and winners of Mortgage Advisors of the Year for Derbyshire at the UK Enterprise Awards, Look no further than Peak. We will find the best solution carefully, promptly, and conveniently. Whatever you are looking to do, we will find the right solution and take care of the entire process.
We want you to want to work with Peak because we are the top at what we do in Derbyshire. The fact that our residential mortgage advice is totally fee free should make choosing to work with us a no brainer. 🧠
Quite simply, don’t pay more for less.
If you live in Belper, Duffield, Little Eaton, Ashbourne, West Hallam, Ilkeston, Heanor, Ripley, Langley Mill, Loscoe, Codnor, Riddings, Leabrooks, Somercotes, Alfreton, Pinxton, South Normanton, Tibshelf, Crich, Matlock, Matlock Bath, Cromford, Wirksworth, Hulland Ward, Ashbourne, Swadlincote, Burton and Derby you know that you can trust us to look after something so incredibly important. And even if you aren’t local guess what? We don’t mind and will happily help you over the phone or video. It is the 21st century after all!
Mortgage & Protection Advisors
Based in our convenient Belper office, or perhaps virtually visiting you in the comfort of your own home in Derbyshire, with Peak you will have access to our exclusive range of lenders and insurers providing mortgages and protection that can’t be found on the high street. And you’ll get advice that you can understand and trust – no-nonsense, straight-talking, and jargon-free. Just like us.
From the first time you contact us you will have your own personal mortgage and protection advisor who will work with you to recommend the most appropriate solution for you and manage everything all the way to completion. Our mortgage advisors are all highly experienced and have in-depth knowledge of the local area, including the surrounding areas in Derbyshire. We’re always on hand to provide support and advice.
We understand that life changes and we are here to help you every step of the way. We have an outstanding relationship with our lenders and insurers including specialist providers and high street names to provide you with the best solutions as promptly and most importantly, conveniently as possible. We’re proud of our fantastic local reputation in Belper, Derbyshire for being the #1 mortgage and protection advisors around.
Mortgage Advisors FAQs
What do mortgage advisors do?
Our mortgage advisors act as the middleman between the lender (banks and building societies) and the borrower (you). We act in the interests of the borrower and not the lender while offering the widest possible consumer protection.
In the past, you might have been able to speak to your bank manager about getting a mortgage, but this is less common nowadays. Additionally, unlike banks, our mortgage advisors provide advice from products across more than one lender, offering a much wider choice.
As qualified mortgage specialists, it’s our responsibility to search the mortgage market to find you the best and most suitable product for your circumstances. Choosing to take on a mortgage is one of life’s big decisions and we are the authoritative experts on the subject; let our mortgage advisors in Derbyshire help you to make the right choice.
Are comparison sites just as good as using a mortgage advisor?
No. While comparison sites may be useful for conducting some initial self-research, they aren’t nearly as sophisticated as the specialist mortgage search tools designed and used by our advisors.
As leading mortgage advisors here in Derbyshire we have access to exclusive deals that are not generally available to the public directly. Unlike arranging your car insurance, finding the right mortgage deal requires thorough expertise and detailed knowledge of the financial markets and of each lender’s specific underwriting criteria. Small differences in rates can result in huge differences in repayments, so there are substantial consequences if you get even a small detail wrong.
Above all else is the personal service that our mortgage advisors offer. There is a lot of complex paperwork involved in the mortgage process that we will expertly complete for you. This is something that cannot be done via a comparison site.
Will your mortgage advisors take my individual circumstances into account?
Yes. Before showing you the products available, our mortgage advisors will take time to understand your individual circumstances. This helps us to find a deal that works for you and your family. We’ll assess what you can realistically afford and offer advice accordingly. If we aren’t confident that you could comfortably afford repayments for the duration of the mortgage, we won’t recommend that product.
In order to give tailored, comprehensive advice on mortgage products directly suited to your individual circumstances, our mortgage advisors will look to understand your situation and needs. With this information, the challenge of choosing the right mortgage becomes that little bit easier.
We’ll start the process with an extensive conversation with you to establish what you are borrowing for, what your budget is, and any individual circumstances that may affect your ability to borrow. Keep in mind that the more information we have, the more we can personalise the deal to you!
When is the right time to contact a mortgage advisor?
Involving a mortgage advisor early on in the application process maximises our opportunities to help you, and allows you to reduce the risk of frustration, disappointment, and rejection while searching for a mortgage. In short, the earlier you contact a mortgage advisor, the better!
Because our mortgage advisors help you to understand what you can afford, the information we give will ultimately dictate the price range of properties you can look to buy. If you’ve already got your heart set on a new home before speaking to an advisor, there is every possibility that you may have overestimated what you can afford, rendering your choices unsuitable. This can be deeply demoralising and frustrating, not to mention a waste of your time.
And it’s not just your price range that we advise on. We’ll also offer a more comprehensive understanding of the other costs involved in the application process: things like mortgage account fees, arrangement fees, booking fees, legal fees, local authority fees, and more.
Speaking to an advisor early in the process is recommended. Contact us today or at your next earliest convenience to speak to one of our mortgage advisors. With our head office in Belper, we are specialist mortgage advisors covering all areas in Derbyshire.
Meet our team
Peak Mortgages and Protection have a wealth of knowledge and experience in the following areas
- Remortgaging & Product Transfers
- First Time Buyers
- Shared Ownership & Help to Buy
- Self-Employed & Contractors
- Interest Only
- Professional Mortgages
- Buy to Let, Portfolio & Let To Buy*
- Bridging Finance
- Life & Critical Illness Cover
- Family Protection
- Accident Protection
- Income Protection
- Accident, Sickness & Unemployment Cover
- Sports Injury Protection
- Buildings & Contents Insurance
- Landlords Insurance
Your home/property may be repossessed if you do not keep up repayments on your mortgage.
*Some buy to let, let to buy mortgages and bridging finance are not regulated by the Financial Conduct Authority.
Get in touch today for your fee-free, initial, no-obligation consultation to help you find a deal that’s right for you and your situation.
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