• First Time Buyer
  • Re-mortgaging
  • Moving Home
  • Buy to Let Mortgages

0115 7722 454

Need a Mortgage?

We provide specialist Mortgage and Equity Release help for our clients.

We are passionate about delivering ethical advice that not only meets our clients needs now, but also carefully considers their plans for the future.

Smart Buyer


QR Code


Either scan the QR code to the left or click opn the link to the right to utilise our Mortgages Made Simple app.

This will help automate some of the Mortgage process.

Smart Buyer - Download the app here.

Your Money Matters to Us

First Time Buyer

Buying your first home? We’d love to be on that journey with you! We promise to be transparent and offer you the best advice and offers.


Unsure how to go about re-mortgaging? We are here to save you money, raise cash for home improvements, or pay off debts.

Moving Home

Moving house can be stressful. Allow us to find the most suitable and cost effective mortgage for you if you are moving home.

Buy To Let Mortgages

First time investor? Already have multiple properties? Great! Let’s make sure you’re on the best deal and ensure you’re getting the most profit from your investment.

Equity Release

Equity release is a special type of mortgage that is only available to homeowners over 55. There are a huge range of plans available, which enable you to access some of the money – the equity – that has built up within the value of your home over time. To get an idea of how much you could borrow, why not give us a call or use our contact form on this website.


Mortgage Protection

Mortgage protection insurance (also known as ‘mortgage payment protection insurance’ or simply ‘mortgage insurance’) allows you to continue paying off your mortgage if you are no longer receiving a secure income.

Income Protection

Many of us would struggle to keep on top of our essential outgoings, such as mortgage and rent, if we lost an income due to illness or an accident. Income protection is a long-term insurance policy that makes sure you get a regular income until you retire or are able to return to work.

Help Should be for Everyone

Essential Mortgages


Too many mortgage companies want to pick and choose who they help, based on how much money they can earn and how easy it is to help them.

We believe everyone should be entitled to help with choosing the right mortgage which is why we do not charge a fee for our help.

In addition to this we also provide a specialist service to provide tailored advice where our clients require it.

Where someone cannot have a mortgage, we will help them put plans in place to get a mortgage as soon as they can.

Count on Experience



How much can I borrow to buy a house?

This depends on your circumstances and your income. As a general rule, mortgage providers lend between 4 times and 5 times your income (or a couple’s income if there are two of you). However they will take into consideration any other financial commitments you have such as loans, credit cards and car finance. They will also look at the number of children you have (and we know they cost money), how much deposit you have got and your credit history. We can help you get a realistic idea of how much you can borrow so you know how much you can afford to spend on a new house.

What will my monthly payments be?

This will depend on how much you borrow, over how many years, the mortgage interest rate and how any mortgage fee’s are paid. We will help you fully understand what your costs are and how much the monthly payments will be before you commit yourself to any mortgage.

I already have a mortgage, how do I borrow more?

There are several ways you can do this, for example you could speak to your existing mortgage provider, you could switch your mortgage or you could apply for a secured loan. We will help you find the best solution to raise the extra cash you need and avoid costly fee’s.

Can you help with Equity Release?

Yes! If you are over 55 and want to release equity from your home, we can help you fully understand the benefits and drawbacks of Lifetime Mortgages and provide you with good quality advice to ensure you get the best deal to meet your needs.


20 Market Place, Ilkeston, Derbyshire, DE7 5QA


0115 7722 454