Business Details
14 Years
experience
Trusted Mortgage Brokers in York
Established in 2012, Derwent Mortgages operates as an independent mortgage brokerage authorised and regulated by the Financial Conduct Authority. With over two decades of combined expertise, our team specialises in providing tailored mortgage solutions across the UK market. We offer comprehensive services including first-time buyer mortgages, remortgaging, buy-to-let financing, equity release, and home insurance. Our approach combines in-depth market knowledge with personalised advice to ensure clients receive optimal financial products.We maintain transparency throughout the process, clearly explaining fees such as our standard 400 mortgage arrangement charge. Our commitment to regulatory compliance and client education has earned us recognition in North Yorkshire and beyond. Through continuous market analysis and lender partnerships, we deliver solutions that align with individual financial circumstances while maintaining strict adherence to industry standards.
Services
First Time Buyer Mortgages
Remortgaging Services
Buy-to-let Financing
Equity Release Solutions
Home Insurance Brokering
Self Build Mortgages
Fixed Rate Mortgages
Tracker Mortgages
Offset Mortgages
Protection Policies
Details
- Year established: 2012
Highlights and features
- We offer independent advice with access to over 80 mortgage lenders
- Our team holds CeMAP and DipMAP professional qualifications
- We provide tailored mortgage solutions for specific client circumstances
- We maintain transparent fee structures including clear arrangement charges
- We offer comprehensive protection planning alongside mortgage services
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Absolute breeze
Very proactive
Always available
Highly recommend
Very patient
Services
First Time Buyer Mortgages
Specialised mortgage solutions for first-time property purchasers. We guide clients through the entire process from initial enquiry to completion, explaining available options and affordability criteria. Our service includes market analysis, lender comparisons, and application support to help new buyers secure competitive rates while ensuring financial sustainability.
Remortgaging Services
Expert guidance for homeowners seeking to optimise their mortgage arrangements. We assess current deals, evaluate market opportunities, and advise on potential savings through rate changes or term adjustments. Our service includes detailed cost-benefit analysis and assistance with lender negotiations to ensure clients make informed decisions about their property financing.
Buy-to-let Financing
Tailored mortgage solutions for property investors. We provide comprehensive advice on eligibility criteria, deposit requirements, and rental income assessments. Our service includes market analysis, lender selection, and application support for both new investors and experienced landlords seeking competitive investment mortgage products.
Equity Release Solutions
Specialised financial planning for homeowners aged 55+. We offer expert guidance on lifetime mortgages and home reversion plans, explaining associated risks and benefits. Our service includes suitability assessments, provider comparisons, and detailed explanations of long-term financial implications to help clients make informed equity release decisions.
Home Insurance Brokering
Comprehensive insurance advice to protect residential properties. We source competitive policies from rated insurers, explaining coverage options for buildings, contents, and liability protection. Our service includes risk assessment guidance, policy comparisons, and claims support to ensure homeowners maintain appropriate coverage for their specific circumstances.
People
Paul Gill
Director
With over 20 years' experience in mortgage advisory services, Paul Gill leads Derwent Mortgages as Director. Holding CeMAP, DipMAP, and CeRER professional qualifications, he specialises in mortgage strategy and financial planning. His expertise spans residential and investment mortgages, with a focus on delivering tailored solutions for clients across North Yorkshire.
Questions
What mortgage services do you offer?
We provide comprehensive mortgage services including first-time buyer mortgages, remortgaging, buy-to-let financing, self-build mortgages, and equity release solutions. Our FCA-regulated advice covers all major mortgage types with access to over 80 lenders.
Are you regulated by financial authorities?
Yes, Derwent Mortgages is authorised and regulated by the Financial Conduct Authority (FCA) under reference 591339. We maintain strict compliance with UK financial regulations and professional standards.
What fees do you charge for mortgage advice?
Our standard mortgage arrangement fee is £400, with £500 for buy-to-let mortgages and £750 for equity release advice. We provide full transparency about all costs during our initial consultation.
Do you offer protection services?
Yes, we offer comprehensive protection planning including life assurance, income protection, and critical illness cover. Our protection services are designed to complement mortgage arrangements and provide financial security for clients and their families.
