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Category: Mortgage

By warren 2 June 2023 Mortgage

What is a fixed-rate Mortgage?

A fixed-rate mortgage is where the interest rate remains unchanged throughout the … What is a fixed-rate Mortgage?

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By warren 25 May 2023 Mortgage

What is a Mortgage?

A mortgage is a loan used to purchase property, typically a house … What is a Mortgage?

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By warren 18 May 2023 Mortgage

What is a variable-rate Mortgage?

A variable rate mortgage is where the interest rate can change based … What is a variable-rate Mortgage?

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By warren 11 May 2023 Mortgage

What is an interest-only mortgage?

An interest-only mortgage is one where the borrower only pays the interest … What is an interest-only mortgage?

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By warren 4 May 2023 Mortgage

What is stamp duty?

Stamp Duty is a tax payable on purchasing property or land in … What is stamp duty?

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By warren 27 April 2023 Mortgage

Why do mortgage lenders check credit scores?

Mortgage lenders check your credit score as part of the mortgage application … Why do mortgage lenders check credit scores?

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By warren 19 January 2023 Mortgage

Why choose a Mortgage Broker?

Choosing a mortgage broker to help with your mortgage can be beneficial … Why choose a Mortgage Broker?

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By warren 11 January 2023 Mortgage

How are Mortgages Calculated

Mortgage calculations determine the loan amount that a lender is willing to … How are Mortgages Calculated

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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

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Sims Mortgages and Protection
1228a 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 Mortgages and Protection is a trading name of Sims Financial Services Limited, an Appointed Representative of PRIMIS Mortgage Network, a trading name of Personal Touch Financial Services Ltd. Personal Touch Financial Services Ltd is authorised and regulated by the Financial Conduct Authority. Trading address: 1228a London Road, Alvaston, Derby, DE24 8QP. Registered Office: Vicarage Corner House, 219 Burton Road, Derby, Derbyshire, England, DE23 6AE. Sims Mortgages and Protection Ltd is registered in England and Wales with registration number 10473297

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

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

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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