Business Details
Expert Mortgage Advisers in Derby
Established in 2015, Create Finance has become a trusted name in mortgage advisory, specialising in complex cases that mainstream lenders often decline. Our CeMAP-qualified brokers leverage over 90 lender partnerships and 12,000 mortgage products to deliver tailored solutions for adverse credit, self-employed applicants, buy-to-let landlords, and first-time buyers. With a Feefo Platinum Trusted Service Award and a 5-star Google rating, we combine technical expertise with personalised service, ensuring transparency throughout the process.Our team's deep understanding of niche markets, including debt consolidation and equity release, is supported by continuous professional development and direct lender relationships. We prioritise client education, offering clear explanations of mortgage terms while maintaining regulatory compliance under the Financial Conduct Authority. Our post-completion follow-up demonstrates commitment to long-term customer relationships, reflected in testimonials praising our responsiveness and problem-solving capabilities.
Services
Adverse Credit Mortgages
Self-Employed Mortgages
Remortgaging
Buy-to-Let Mortgages
First-Time Buyer Mortgages
Debt Consolidation Mortgages
Equity Release
Protection Insurance
Self-Build Mortgages
Shared Ownership
Highlights and features
- Access to 90+ lenders including specialist adverse credit providers
- CeMAP-qualified brokers with expertise in complex mortgage cases
- Advisers available 7 days a week until 9pm
- Feefo Platinum Trusted Service Award winners
- Proven track record with thousands of successful mortgage completions
Associations and certifications
- Financial Conduct Authority
What people say
Professional and knowledgeable
Best deal secured
Efficient process
Excellent customer service
Above and beyond
Services
Adverse Credit Mortgages
Specialist mortgages for clients with CCJs, defaults, IVAs, and bankruptcy histories. We access sympathetic lenders offering competitive rates through our extensive market knowledge. Our brokers negotiate with specialist providers to secure approvals where mainstream lenders decline applications. This service includes credit file analysis and tailored lender matching.
Self-Employed Mortgages
Tailored mortgage solutions for sole traders, limited company directors, and contractors. We work with lenders accepting 1-year accounts and unconventional income proofs. Our experts navigate complex income structures including retained profits and cash payments. We maintain relationships with specialist underwriters for unique financial situations.
Remortgaging
Expert remortgaging advice to reduce payments or release equity. We identify early repayment charge implications and secure competitive deals. Our service includes market-wide comparisons and specialist options for adverse credit cases. We facilitate seamless transitions with dedicated broker support throughout the process.
Buy-to-Let Mortgages
Comprehensive buy-to-let mortgage solutions for portfolio landlords and first-time investors. We access specialist lenders with flexible criteria for limited companies and complex income structures. Our brokers provide portfolio management advice and competitive rate negotiations tailored to property investment goals.
Protection Insurance
Income protection and life insurance products to safeguard mortgage payments. We offer tailored policies covering critical illness, disability, and death. Our advisers ensure appropriate coverage levels to protect both borrowers and families against unforeseen circumstances affecting mortgage repayments.
People
Karl Yeoman
Director
CeMAP-qualified director with 10+ years' experience specialising in complex mortgages including adverse credit and debt consolidation. Leads broker training and customer experience initiatives while maintaining hands-on client advisory work.
Gindy Mathoon
Senior Mortgage Adviser
13-year mortgage industry veteran known as the 'Mortgage Criteria King'. Specialises in lender criteria analysis and broker training, leveraging extensive lender relationships to secure challenging mortgage approvals through detailed market knowledge.
Tim Aspinall
Specialist Mortgage Adviser
CeMAP-qualified adviser with expertise in buy-to-let, HMO, and shared ownership mortgages. Recognised for exceptional client service and successful case completions across complex property transactions and investment portfolios.
Paul Grimwood
Mortgage Adviser
Financial services professional with 37 years' experience, including 33 years specialising in mortgages. Focuses on bad credit cases and mainstream market solutions, combining extensive industry knowledge with client-focused advisory services.
Javier De Diego
Mortgage Adviser
14-year industry veteran with DipFA qualifications specialising in adverse credit mortgages. Expert in handling late payments, defaults, and bankruptcy cases while providing comprehensive protection advice to safeguard client assets.
Questions
What mortgage services do you specialise in?
We specialise in adverse credit mortgages, self-employed mortgages, buy-to-let, remortgaging, equity release, and protection insurance. Our brokers handle complex cases mainstream lenders decline.
Do you help clients with bad credit histories?
Yes, we specialise in adverse credit mortgages including CCJs, defaults, IVAs, and bankruptcy cases. Our brokers access specialist lenders who consider applications mainstream providers decline.
What fees do you charge for mortgage advice?
Our fees range up to 1% of the loan amount, with a typical fee of £595. Exact costs depend on case complexity and are confirmed before proceeding.
Can self-employed applicants get mortgage approval?
Yes, we secure mortgages for self-employed clients using 1-year accounts, SA302s, or accountant references. Our brokers work with lenders accepting unconventional income proofs and complex financial structures.
Are your mortgage advisers regulated?
Yes, we operate as an appointed representative of Mortgage Advice Bureau, authorised and regulated by the Financial Conduct Authority under reference 427162.
How quickly can you process a mortgage application?
Processing times vary by lender, but our brokers prioritise efficient completions. We maintain direct lender relationships to expedite decisions and provide regular progress updates throughout the process.
