Business Details
36 Years
experience
Your Trusted Mortgage Advisers in Derbyshire
Established in 1990, Peak Mortgages and Protection has built a reputation as a trusted provider of mortgage and protection advisory services across Derbyshire and the UK. Our team of award-winning advisors combines decades of local market expertise with access to exclusive deals unavailable on the high street. We prioritise client needs through personalised guidance, transparent advice, and comprehensive support from initial consultation to completion.Regulated by the Financial Conduct Authority, we maintain strong relationships with specialist lenders and insurers to deliver tailored solutions. Our commitment to excellence has earned us four Derbyshire Mortgage Adviser of the Year awards and 17 national finalist recognitions, reflecting our dedication to simplifying complex financial processes for clients.
Services
First Time Buyers
Remortgaging
Buy to Let
Protection Advice
Moving Home Mortgages
Self-Employed Mortgages
Critical Illness Cover
Income Protection
Details
- Year established: 1990
Highlights and features
- Award-winning Derbyshire Mortgage Advisers of the Year with 30+ years' experience
- Access to exclusive mortgage deals unavailable on comparison sites
- Personalised advice considering individual financial circumstances
- Comprehensive support from application to completion
- Specialist knowledge of complex cases including self-employed mortgages
Associations and certifications
- Financial Conduct Authority
What people say
Excellent experience
Highly recommend
Seamless process
Expert guidance
Stress-free journey
Services
First Time Buyers
We specialise in guiding first-time buyers through the mortgage process with tailored fixed-rate, variable-rate, and government-backed schemes. Our advisors explain complex terminology in plain English, help calculate realistic budgets, and secure competitive rates. Clients benefit from our local market expertise and exclusive deals unavailable through high-street banks, making homeownership more accessible and less intimidating.
Remortgaging
Our remortgaging service helps homeowners access better interest rates, release equity, or switch to more suitable products. We analyse current mortgage terms, assess market options, and manage the entire transition process. Clients receive expert advice on exit fees, new product terms, and potential savings, ensuring informed decisions that maximise financial benefits while minimising disruption.
Buy to Let
We provide specialist financing solutions for property investors seeking buy-to-let mortgages or portfolio management. Our advisors understand landlord-specific requirements, offering access to competitive rates and limited company mortgage options. Services include cashflow analysis, tax-efficient structuring, and ongoing portfolio reviews, helping investors maximise returns while navigating evolving regulatory requirements and market conditions.
Protection Advice
Our protection services encompass life insurance, critical illness cover, and income protection tailored to individual needs. We explain policy nuances, help determine appropriate coverage levels, and source suitable products from specialist providers. Clients receive ongoing policy reviews to ensure continued relevance as life circumstances change, providing peace of mind that their families and financial commitments remain protected against unforeseen events.
Self-Employed Mortgages
We specialise in mortgage solutions for self-employed individuals and contractors, understanding the challenges of non-traditional income verification. Our advisors work with flexible lenders who accept alternative income documentation, helping clients demonstrate affordability through business accounts, SA302 forms, or bank statements. This expertise enables self-employed applicants to access competitive mortgage rates despite complex financial situations.
People
Bev H
Mortgage Operations Manager
With over 30 years' experience in financial services, Bev manages mortgage applications and coordinates with lenders and solicitors. She specialises in streamlining processes while maintaining personal client relationships, ensuring smooth transactions from application to completion.
Olivia S
Office Manager & Mortgage Advisor
Joining in 2019, Olivia manages day-to-day operations while providing mortgage advice. With expertise in HR, accounts, and IT, she combines administrative leadership with direct client support, known for her proactive approach and client-focused communication.
Rachael C
Mortgage Advisor
Bringing three years' experience since joining in 2022, Rachael focuses on simplifying the home buying process. She specialises in client education and transaction coordination, maintaining a calm approach that helps clients navigate complex mortgage procedures with confidence.
Nicole B
Mortgage Advisor
With eight years' industry experience starting in 2015, Nicole provides mortgage solutions while balancing client needs with market opportunities. Her background includes detailed product analysis and client education, particularly for first-time buyers and remortgaging clients.
Questions
What mortgage services do you offer?
We provide first-time buyer mortgages, remortgaging, buy-to-let financing, self-employed mortgages, and protection insurance including life and critical illness cover across Derbyshire and the UK.
Are your mortgage advisors regulated?
Yes, we operate as an appointed representative of The Openwork Partnership, authorised and regulated by the Financial Conduct Authority under reference number 484231.
Can you help with complex mortgage cases?
Our specialists handle challenging cases including self-employed applicants, bad credit histories, and unique property types, leveraging relationships with specialist lenders to find suitable solutions.
Do you charge fees for mortgage advice?
We typically don't charge fees for mortgage arrangement, though specific circumstances may affect this. We always disclose any potential costs upfront before proceeding with your case.
How do you find the best mortgage deals?
We access exclusive products through our lender relationships and use advanced search tools to compare market options, focusing on long-term affordability rather than just headline interest rates.
Can you assist with protection insurance?
Yes, we offer life insurance, critical illness cover, and income protection tailored to your circumstances, helping safeguard your family's financial future against unexpected events.
