Our Mortgage Advisors in Derby

Meet our amazing mortgage advisors based here in Derby. With our personalized service, you can be confident that you’re making the best possible decisions when it comes to your mortgage. Don’t navigate the mortgage process alone – let a mortgage advisor be your guide!

Ro Topliss

07956 720579

Certificate in Mortgage Advice and Practice (CeMAP). Ro is an experienced mortgage broker who believes in working closely with her clients to develop a deep understanding of their needs and wants. She takes the time to learn about their families, their businesses, and their goals for the future. Ro is also an experienced landlord, specialising in buy-to-lets and residential mortgages.

ro@simsmortgages.co.uk

Melissa Duffy

07792 181307

Certificate in Mortgage Advice and Practice (CeMAP). Finding the right mortgage to suit your needs can be complex. Still, Mel is passionate about finding creative financing solutions for her clients, no matter how difficult. Specialising in mortgages for self-employed borrowers, Mel will guide you through the process from start to finish.

mel@simsmortgages.co.uk

Why use a Mortgage Advisor?

Getting a mortgage is one of the biggest financial decisions that you’ll ever make, and it’s important to make the right choices to ensure that you’re getting the best possible deal. That’s why it’s a good idea to seek out mortgage advice before you make any major decisions.

Here are some of the reasons why you should get mortgage advice:

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

A mortgage advisor is a financial professional who specializes in mortgages. They work independently and can offer advice and guidance on a wide range of mortgage products from various lenders.

Here are some of the benefits of working with a mortgage advisor:

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?

There are several situations when someone should consider seeing a mortgage advisor.

Here are some of the most common scenarios:

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.