Business Details
Trusted Mortgage Brokers in Derry
Established by a seasoned financial advisor with over three decades of expertise, we specialise in providing independent mortgage and protection insurance solutions tailored to individual client needs. Our services encompass a comprehensive range of mortgage products, including first-time buyer, remortgage, buy-to-let, and self-build options, alongside critical illness, income protection, and life insurance plans. With a focus on transparency and client education, we guide customers through complex financial decisions, ensuring informed choices that align with their personal circumstances.Our team prioritises long-term client relationships, offering ongoing support to adapt to evolving financial landscapes. Regulated by the Financial Conduct Authority, we maintain rigorous professional standards while delivering accessible, jargon-free advice. Our commitment to excellence is reflected in our dedication to simplifying mortgage processes and safeguarding clients' financial futures through bespoke protection strategies.
Services
Mortgage Advice
Life Insurance
Income Protection
Critical Illness Cover
Mortgage Protection
Highlights and features
- We offer independent advice across 1000+ mortgage products
- Our advisors have 35+ years combined experience in financial services
- We provide tailored protection solutions for individual circumstances
- We explain complex financial products in clear, jargon-free language
- We maintain FCA regulation for professional standards and client protection
Associations and certifications
- Financial Conduct Authority
Services
Mortgage Advice
We provide independent mortgage advice covering all market products including first-time buyer, remortgage, buy-to-let, and self-build options. Our advisors assess individual circumstances to recommend suitable mortgage solutions with competitive rates. We explain complex mortgage features in clear language to help clients make informed decisions about their property financing.
Life Insurance
Our life insurance solutions provide financial protection for dependants in case of premature death. We offer level term assurance policies that pay a fixed lump sum to beneficiaries, helping maintain family financial stability. Policies can be tailored to match mortgage terms or other financial commitments, ensuring appropriate coverage periods and amounts.
Critical Illness Cover
We arrange critical illness insurance that pays a lump sum upon diagnosis of specified serious conditions. This coverage helps maintain financial stability during recovery periods while mortgage payments continue. Policies can be structured to align with mortgage terms or specific health concerns, providing financial security during challenging times.
Income Protection
Our income protection policies replace a portion of earnings during prolonged illness or disability. We design policies to provide regular payments when work absence exceeds the deferred period, helping maintain living standards. Coverage amounts and deferment periods are tailored to individual financial circumstances and employment situations.
Mortgage Protection
We offer mortgage protection plans that pay off remaining mortgage balances in case of death. These policies ensure family homes remain secure by eliminating mortgage debt during bereavement. Coverage amounts decrease as mortgage balances reduce, aligning with repayment schedules to provide appropriate protection levels throughout the loan term.
People
Aidan Kearns
Mortgage Advisor
Aidan has worked in financial services since 1986, specialising in mortgage and protection products. He provides expert advice on property financing and risk management solutions, combining extensive market knowledge with personalised service to help clients achieve their financial goals.
Questions
What mortgage types do you advise on?
We advise on all mortgage types including first-time buyer, remortgage, buy-to-let, self-build, and co-ownership mortgages, helping clients find suitable solutions for their specific circumstances.
Do you offer protection insurance with mortgages?
Yes, we provide comprehensive protection insurance options including life insurance, critical illness cover, and income protection to safeguard clients' financial commitments alongside their mortgages.
Are your services regulated?
We operate as an appointed representative of Quilter Wealth Limited, regulated by the Financial Conduct Authority, ensuring our advice meets strict professional standards and consumer protection requirements.
How do you tailor mortgage advice?
We assess each client's individual circumstances, financial goals, and risk profile to recommend mortgage products that best match their specific needs and long-term objectives.
Can you help with mortgage repossessions?
We advise on avoiding mortgage arrears through appropriate product selection and can help explore remortgaging options or lender negotiations for clients facing financial difficulties.
Do you provide equity release advice?
We offer equity release advice through referral arrangements, explaining options while highlighting implications for estate planning and means-tested benefits eligibility.
