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  • About Us
  • Mortgages
    • Mortgage Advice
    • First-Time Buyer Mortgage
    • Remortgage
    • Buy–To–Let Mortgage
    • Home Mover Mortgage
    • Types of Mortgages
    • Mortgage Glossary
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Category: Insurance

By warren 26 March 2021 Insurance

Reviewable, age costed, and level premiums – what’s the difference?

Understanding the difference between “reviewable”, “age costed”, and “level” or “guaranteed level” policies is key to deciding which is going to be the best for you.

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By warren 9 February 2021 Insurance

What Are The Steps To Make A Successful Insurance Claim?

Insurance can be something people barely think about, until the day they really need it to pay-out due to a major setback. That’s when understanding how to make an insurance claim can be vital.

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By warren 19 January 2021 Insurance

Understanding Health Insurance (& All Of The Benefits!)

SIMS financial services are a leading provider of critical illness cover in the UK. This blog aims to make understanding health insurance easier, by setting out to define private health insurance, explain the various types, and cover the benefits.

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By warren 5 January 2021 Insurance

Why should you review your insurance policies annually?

Shopping around for your insurance policies is a great way to save money, but the process doesn’t end there. Getting a good deal one year doesn’t mean that you will have a good deal forever, so it’s important to carry out an annual insurance policy review. Here are three reasons to conduct an annual review of policies and procedures.

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By warren 15 December 2020 Insurance

Home Insurance Explained – What Does It Cover?

If you are a homeowner, you should think seriously about the benefits of home insurance. A home insurance policy can offer you financial security in the case of theft or damage, and priceless peace of mind. But what does home insurance cover, what doesn’t it include, and how should you go about choosing a home insurance package? Read this blog to find out…

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By warren 1 December 2020 Insurance

SIMS Financial Services: family income benefit life insurance explained

Family income benefit insurance is one of the best ways of making … SIMS Financial Services: family income benefit life insurance explained

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By warren 24 November 2020 Insurance

SIMS Financial Services: Term life insurance vs whole life insurance

Choosing the right life insurance policy can be confusing and stressful, as … SIMS Financial Services: Term life insurance vs whole life insurance

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By warren 17 November 2020 Insurance

What is the difference between critical illness and terminal illness?

When it comes to life insurance, one of the most regularly asked … What is the difference between critical illness and terminal illness?

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By warren 10 November 2020 Insurance

Where to go for award winning financial services in Derby

If you’re looking for a financial adviser Derby residents and businesses trust, … Where to go for award winning financial services in Derby

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Accident & Injury Insurance Cover

By warren 4 February 2020 Insurance

How to make a successful insurance claim

Making sure people aren’t miss-sold an insurance policy, has become a mission. … How to make a successful insurance claim

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By warren 29 January 2020 Insurance

Buying Insurance

So how do you find out what you need? You could do … Buying Insurance

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By warren 4 May 2019 Insurance

5 Reasons to use a Protection Adviser

This won’t come as a surprise to anyone who knows me, but … 5 Reasons to use a Protection Adviser

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Your home may be repossessed if you do not keep up repayments on your mortgage

Absolutely fantastic service!! Ro is so lovely to deal with. Nothing was too much trouble, always at hand on email or the phone; fitting it around our working schedule. Has worked extremely hard to get our mortgage offer approved, and had the go ahead today!

— Bex Fairweather- 2025

I would highly recommend the services of Sims. We used them in relation to a mortgage.

They were efficient and friendly.On this occasion we dealt with Rowena who made what can be a stressful experience a breeze! They covered all the basis, were straight up with their advice and no hard selling or pushing of other services, while still making us aware of the additional services they offered in line with the mtges should we need them.

Thank you Sims!

— Donna Pacey- 2025

I was really nervous about the whole mortgage process and knew not much at all, but Ro made it so much easier than I ever expected. From day one, she took the time to explain everything in a way that actually made sense and never made me feel like any question was too small. She was always easy to reach whenever I needed her, and being able to contact her via WhatsApp made life so easy—I could just drop her a call or text whenever something came up. Ro was honest about my current situation and the implications of income/debt etc. but was still positive.

When we hit a few bumps along the way, Ro kept me calm and found the best options to move forward. I never once felt like I was just another client—she was genuinely invested in getting me the best deal and just as excited about my new home as I was!

I honestly wouldn’t work with anyone else. If you need a mortgage advisor who’s knowledgeable, patient, and truly in your corner, Ro is the one!

— Catherine Boyle- 2025

Ro is honest, thorough and gives amazing service.

As first time buyers, we had no clue on what to expect or who we should trust. She helped sort more than our mortgage but also surveyor and solicitors. Always open for all the questions and makes it very clear that no question is a stupid one. She made this rocky road much smoother.

— Sarah Horobin- 2025

Ro has been absolutely amazing from start to finish! She has helped me with every aspect of getting a mortgage and beyond! She is friendly, kind and just a genuinely lovely lady who wants the best for you. She’s answered all my silly questions along the way and If I’ve been stuck on anything she’s just at the end of the phone!

— Rebecca Dudley - 2025

Rowena is absolutely amazing with what she does she gives it 100% and more to get you a remortgage and mortgage I would recommend my friends and family to her.
Ro is professional easy to chat to and friendly. Ro is brilliant at what she does. I can not thank Ro enough. Definitely recommend her.

— Maria Skliris - 2026

⭐⭐⭐⭐⭐
I highly recommend! The service was wonderful — patient, informative, caring, and efficient. Ro was incredibly supportive throughout the process and made everything so easy. I truly appreciate all the help and advice in sorting out my mortgage and look forward to continuing our relationship in the years ahead. I’ll definitely be using SIMS Mortgage again and recommending them to everyone. Thank you!

— Genevieve Wood - 2026

Ro has been absolutely fantastic to work with from start to finish. As my mortgage broker, she guided me through every step of the process with patience and genuine care. Whether it was answering my many questions, explaining options in a way I could easily understand, or staying on top of every detail, Ro made the entire experience smooth and stress-free.

I always felt supported and confident knowing Ro was guiding me through the process. If you’re looking for a broker who truly goes above and beyond, I can’t recommend Ro highly enough!

— Barnaby Glover- 2026
Ro has been wonderful to work with during the whole process. She was very professional, and explained everything to me in a easy to understand manner and takes genuine care in what she does. I would highly recommend SIMs and Ro to my friends and family. Thank you very much again for making this such a smooth and stress free process for me.
— Rachel Schulberg - 2026

I can’t recommend Ro enough. She guided me through the re-mortgage of my buy-to-let property with so much patience and clarity. Ro is really knowledgeable, always happy to answer questions, and genuinely friendly, which made the whole process much less stressful. Thank you for all your help Ro!

— Andrea O'neil -2026

Ro Bonham was an absolute pleasure to deal with throughout the entire process. She is caring, professional, kind, and truly empathetic, which made what can often be a stressful experience feel smooth and reassuring.
Thanks to her expert guidance and outstanding service, my mortgage was successfully secured without any unnecessary complications. Ro went above and beyond at every stage, always taking the time to explain things clearly and offer support when needed.
Ro is an amazing person as well as a highly skilled adviser, and I wouldn’t hesitate to recommend her to anyone looking for mortgage support.

— Emilia Maciejewska - 2026

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Sims Mortgages and Protection
1228 London Road, Alvaston Derby Derbyshire
United Kingdom DE24 8QP
0330 223 4973
info@simsmortgages.co.uk

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Local Experts with National Reach

We’re based in Derby, but we proudly serve clients across the East Midlands and the entire UK. Our flexible service model allows us to provide outstanding support no matter where you’re located.

📞 Ready to talk? Contact us today to book your consultation.

Sims Mortgage and Protection is a trading name of The Jolia Group Ltd. The Jolia Group Ltd is an appointed representative of Sesame Ltd which is authorised and regulated by the Financial Conduct Authority.

The guidance and information on the website are subject to the UK regulatory regime and are therefore intended for consumers based in the UK.

Trading address: 1228 London Road, Alvaston, Derby, DE24 8QP.
Registered Office: 219 Burton Road, Derby, England, DE23 6AE
Country of registration: England and Wales
Registration number: 14756891

For mortgages, we are paid a fee, £500 and by commission from the lender

The FCA does not regulate solicitors and some forms of buy to let mortgage services.

The guidance and/or information contained within the website is subject to UK regulatory regime and is therefore targeted at consumers based in the UK.

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