Our Mortgage Advisor in Derby

Meet Our Expert Mortgage Advisor in Derby Ro Topliss– CeMAP Qualified Ro specialises in First-Time Buyer mortgages, Buy-to-Let investments, and Remortgaging. With years of hands-on experience, she is known for her ability to build strong, personal relationships with clients — taking the time to understand their individual goals, whether it’s buying a first home, growing a property portfolio, or reducing monthly mortgage costs. As both a trusted advisor and an experienced landlord herself, Ro brings valuable insight into the property journey and ensures every client feels confident and supported throughout the mortgage process.

Available for face-to-face, phone, or video consultations.

Ro Bonham

07956 720579

ro@simsmortgages.co.uk

Why Choose a Mortgage Advisor?

✔ Access to a wide range of lenders and exclusive products
✔ Save money with better rates and terms
✔ Personalised advice based on your unique financial situation
✔ Avoid common mistakes and understand your contract terms
✔ Save time – we handle the paperwork and negotiation for you

Expertise:

Mortgage advisors are experts in their field and can offer you advice and guidance that you might not get anywhere else. They can help you understand the different types of mortgages available, the pros and cons of each, and which one might be the best fit for your particular situation.

Options:

A mortgage advisor can provide you with a wider range of options than you might be able to find on your own. They have access to a variety of lenders and mortgage products, and can help you compare and contrast them to find the one that’s right for you.

Savings:

By working with a mortgage advisor, you may be able to save money in the long run. They can help you find a mortgage with a lower interest rate or better terms than you might be able to find on your own, which could save you thousands of dollars over the life of the loan.

Time:

Shopping for a mortgage can be time-consuming and confusing. A mortgage advisor can help streamline the process and save you time by doing much of the legwork for you. They can help you fill out applications, gather necessary documents, and negotiate with lenders on your behalf.

Protection:

A mortgage advisor can also help protect you from making costly mistakes. They can review mortgage contracts with you and help you understand the terms and conditions, so that you don’t accidentally sign up for something that’s not in your best interest.

In short, working with a mortgage advisor can provide you with the expertise, options, savings, time, and protection you need to make the best possible decisions when it comes to your mortgage. So if you’re considering getting a mortgage, it’s a good idea to seek out advice from a qualified professional.

Why Speak to a Mortgage Advisor over a Bank

Mortgage Advisor vs Your Bank – What’s the Difference?
Banks offer limited products. We offer whole-of-market access. That means we compare dozens of lenders to find the best fit for you.
You’ll get:

✔ More choice
✔ Independent advice
✔ A tailored experience with people who know your goals

Expertise:

Mortgage advisors are experts in their field and can offer you advice and guidance that you might not get from a bank. They can help you understand the different types of mortgages available, the pros and cons of each, and which one might be the best fit for your particular situation.

Options:

A mortgage advisor can provide you with a wider range of options than you might be able to find at a bank. They have access to a variety of lenders and mortgage products, and can help you compare and contrast them to find the one that’s right for you.

Personalised Service:

Mortgage advisors work with you one-on-one to understand your unique needs and circumstances. They can provide personalised service and advice that is tailored to your specific situation.

When to see a Mortgage Adviser?

When to Speak to a Mortgage Advisor

✔ Buying your first home
✔ Remortgaging to save money or release equity
✔ Self-employed or non-traditional income
✔ Poor credit history
✔ Complex finances (multiple incomes or properties)
✔ Buy-to-let and property investment

In all these scenarios, working with a qualified mortgage advisor can save you time, stress, and money.

First-time homebuyers:

If you’re a first-time homebuyer, you may not be familiar with the mortgage process and the various types of mortgages available. A mortgage advisor can help you understand the options and provide guidance on the best fit for your situation.

If you’re self-employed, getting a mortgage can be more challenging because your income is not as straightforward as it is for a traditional employee. A mortgage advisor can help you navigate the process and find a lender that understands your unique situation.

Poor credit history:

If you have a poor credit history, getting approved for a mortgage can be difficult. A mortgage advisor can help you understand what steps you can take to improve your credit score and find lenders who are more willing to work with you.

Complex financial situations:

If you have a complex financial situation, such as multiple sources of income or significant assets, a mortgage advisor can help you navigate the process and find a lender who understands your unique needs.

Refinancing:

If you’re considering refinancing your existing mortgage, a mortgage advisor can help you evaluate the costs and benefits and find the best possible terms.

Buy-to-let:

If you’re considering buying a property to rent out, a mortgage advisor can help you understand the unique challenges of buy-to-let mortgages and find the best possible terms.

In general, anyone who wants to get the best possible mortgage deal should consider seeing a mortgage advisor. A mortgage advisor can provide expertise, options, and personalized service that can help you make the best possible decisions when it comes to your mortgage.