Business Details
36 Years
experience
Award-Winning Mortgage Advisers in Derbyshire
Established in 1990, Peak Mortgages and Protection has built a reputation as a trusted provider of mortgage and protection advisory services across Derbyshire and the UK. Our team of award-winning advisors specialises in delivering tailored solutions for first-time buyers, home movers, landlords, and individuals seeking financial protection. With over 30 years of combined experience, we pride ourselves on our deep understanding of local property markets and our ability to secure exclusive deals unavailable on comparison sites. Our commitment to transparency, jargon-free advice, and client-centric service has earned us four Derbyshire Mortgage Adviser of the Year awards and finalist positions in 17 national industry awards.We operate from our Belper office, offering face-to-face consultations, virtual meetings, and home visits to accommodate client needs. Our regulatory compliance with the Financial Conduct Authority underscores our dedication to ethical standards, while our partnerships with specialist lenders ensure access to competitive mortgage products and protection policies. We prioritise long-term client relationships, providing ongoing support from initial consultation through to mortgage completion and beyond.
Services
First-Time Buyer Mortgages
Remortgaging Services
Buy-to-Let Mortgages
Protection Insurance Advice
Moving Home Mortgages
Details
- Year established: 1990
Highlights and features
- Award-winning Derbyshire Mortgage Advisers of the Year (4x winner)
- Access to exclusive mortgage deals unavailable on comparison sites
- Personalised advice from experienced local market specialists
- Comprehensive protection solutions including life and critical illness cover
- Transparent fee structure with no hidden charges
Associations and certifications
- Financial Conduct Authority
What people say
Excellent communication
Knowledgeable advisors
Stress-free process
Competitive deals secured
Personalised guidance
Services
First-Time Buyer Mortgages
Tailored mortgage solutions for first-time buyers, including fixed-rate and government-backed schemes. Our advisors provide step-by-step guidance through the purchasing process, helping clients understand affordability, secure mortgage in principle, and complete purchases confidently. We specialise in simplifying complex financial terminology and ensuring clients find sustainable, affordable home financing options.
Remortgaging Services
Expert assistance with switching mortgage deals to secure better rates or release equity. We evaluate existing mortgage terms, assess market options, and manage the entire refinancing process. Our service includes penalty calculations for early repayment, product transfer evaluations, and recommendations for improved financial positioning through remortgaging.
Buy-to-Let Mortgages
Specialist financing solutions for property investors, including portfolio mortgages and limited company arrangements. We provide market analysis, rental income assessments, and access to competitive landlord-specific products. Our advisors help clients structure investments for optimal tax efficiency and long-term portfolio growth while meeting regulatory requirements.
Protection Insurance Advice
Comprehensive protection planning including life insurance, critical illness cover, and income protection policies. We assess individual needs to create tailored protection strategies that safeguard families and businesses against unforeseen circumstances. Our advice covers policy selection, benefit structures, and claims process guidance to ensure financial security.
Moving Home Mortgages
Mortgage solutions for homeowners relocating, including portability options and new purchase financing. We coordinate with solicitors and estate agents to ensure seamless transitions, offering advice on simultaneous sale/purchase arrangements, bridging finance options, and timing strategies to minimise financial risk during property moves.
People
Bev H
Mortgage Operations Manager
With over 30 years in financial services, Bev specialises in mortgage application management and lender coordination. She ensures smooth mortgage processing from application to completion while maintaining client communication throughout the journey.
Olivia S
Office Manager & Mortgage Advisor
Joining in 2019, Olivia manages day-to-day operations while providing mortgage advisory services. She combines administrative oversight with client-facing roles, offering expertise in mortgage products and protection solutions to first-time buyers and investors.
Rachael C
Mortgage Advisor
With three years of experience since joining in 2022, Rachael focuses on residential mortgage cases. She specialises in guiding clients through the home buying process, ensuring clear communication and timely completion of transactions.
Nicole B
Mortgage Advisor
A mortgage professional since 2015, Nicole provides expert advice on various mortgage products. She excels in explaining complex financial concepts simply, helping clients make informed decisions about their home financing needs.
Questions
What mortgage options exist for first-time buyers?
We offer fixed-rate, variable-rate, and government-backed schemes like Help to Buy. Our advisors explain each option's pros and cons to match your financial situation.
Can I remortgage with bad credit?
Yes, we work with specialist lenders offering competitive rates for clients with adverse credit histories. We assess your specific circumstances to find suitable remortgage options.
Do you offer commercial mortgage advice?
While our primary focus is residential mortgages, we provide guidance on buy-to-let and portfolio mortgages for property investors through specialist commercial lenders.
How does protection insurance work with mortgages?
Protection policies like life insurance and income cover safeguard mortgage payments during unforeseen circumstances. We recommend appropriate coverage levels based on your financial commitments.
What areas do you cover?
We serve Belper, Derby, and surrounding Derbyshire areas including Alfreton, Ripley, and Swadlincote. We also offer virtual consultations for clients nationwide.
Are your mortgage advice fees transparent?
Yes, we provide upfront fee disclosures. Most mortgage arrangements are commission-based through lenders, though specific complex cases may incur agreed service fees.
