Business Details
14 Years
experience
Independent Mortgage Advisers in York
Established in 2012, Derwent Mortgages operates as an independent mortgage brokerage with over two decades of combined expertise in the financial services sector. Our team, led by Director Paul Gill, holds professional qualifications including CeMAP and DipMAP, ensuring technical proficiency in mortgage advisory services. We maintain authorization and regulation by the Financial Conduct Authority (FCA), adhering to stringent compliance standards. Our service model focuses on personalized advice across the entire mortgage market, offering access to over 80 lenders and thousands of mortgage products. We specialise in first-time buyer mortgages, remortgaging, buy-to-let investments, equity release, and comprehensive protection policies.Our commitment to client education is demonstrated through detailed affordability assessments and transparent fee structures, including a standard 400 mortgage advice fee. We provide end-to-end support from initial consultation through to completion, with particular expertise in complex transactions involving bridging loans and second charge mortgages. Our physical presence in North Yorkshire, combined with nationwide service capabilities, positions us as trusted local advisors with national market reach.
Services
Mortgages
Protection Policies
Buy-to-let
Equity Release
Home Insurance
Details
- Year established: 2012
Highlights and features
- We are FCA-authorised mortgage advisers with 20+ years industry experience
- We offer access to the whole mortgage market with over 80 lenders
- Our standard mortgage advice fee is transparent at 400
- We provide end-to-end support from initial consultation to completion
- We specialise in complex transactions including bridging loans and equity release
Associations and certifications
- Financial Conduct Authority
What people say
Absolute breeze
Very proactive
Highly recommend
Very knowledgeable
Always available
Services
Mortgages
We provide comprehensive mortgage advisory services covering first-time buyer mortgages, remortgaging, home mover transactions, and buy-to-let investments. Our FCA-regulated advisers access the whole market to find competitive rates across over 80 lenders. With expertise in complex cases including bridging loans and second charge mortgages, we offer tailored solutions for residential and investment property purchases.
Protection Policies
Our protection services include life assurance, income protection, and critical illness cover to safeguard clients against financial hardship. We help clients understand policy options that complement their mortgage arrangements. Our advisers ensure appropriate coverage levels while explaining policy terms and exclusions to maintain transparency in insurance provisions.
Buy-to-let
Specialist buy-to-let mortgage advice covers eligibility criteria, deposit requirements, and rental affordability assessments. We explain lender-specific criteria including minimum rental income thresholds of 125% of mortgage payments. Our services include guidance on tax implications, interest rate options, and regulatory considerations for property investors seeking residential investment financing solutions.
Equity Release
We provide expert guidance on equity release options for homeowners aged 55+. Our services cover lifetime mortgages, home reversion plans, and associated costs. We explain eligibility requirements, interest rate structures, and inheritance implications while ensuring clients understand the long-term financial commitments involved in releasing equity from their properties.
Home Insurance
Our home insurance services include buildings and contents coverage through select 5-star rated insurers. We explain mandatory lender requirements for buildings insurance and recommend appropriate contents coverage. We provide guidance on policy exclusions, underinsurance risks, and additional protections including accidental damage cover and high-value item declarations to ensure comprehensive property protection.
People
Paul Gill
Director
With over 20 years' experience in mortgage advisory services, Paul Gill established Derwent Mortgages to provide independent, client-focused financial solutions. His CeMAP and DipMAP qualifications demonstrate technical expertise across residential and investment mortgages. Paul specialises in complex transactions including equity release and buy-to-let financing, maintaining FCA-authorised status to ensure regulatory compliance.
Questions
What mortgage types do you specialise in?
We specialise in first-time buyer mortgages, remortgaging, buy-to-let investments, equity release, and second charge mortgages, offering access to over 80 lenders.
Are you regulated by the Financial Conduct Authority?
Yes, Derwent Mortgages Limited is authorised and regulated by the Financial Conduct Authority under reference 591339.
What fees do you charge for mortgage advice?
Our standard mortgage advice fee is £400, with £500 for buy-to-let mortgages and £750 for equity release arrangements.
Do you offer protection insurance policies?
Yes, we provide life assurance, income protection, critical illness cover, and family income benefit policies to complement mortgage arrangements.
Can you help with complex mortgage situations?
We specialise in complex cases including bridging loans, second charge mortgages, and equity release solutions for unique financial circumstances.
Do you provide home insurance services?
Yes, we arrange buildings and contents insurance through select 5-star rated insurers, explaining policy terms and coverage requirements.
