Independent Financial Advisors based in Chesterfield, Derbyshire.
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Mortgage & Protection Advice

Home & Family Security, Planned Properly.

Whether you’re buying your first home, moving up the property ladder, remortgaging, or protecting your family’s future, we guide you with personalised advice.

Book Your Free Discovery Meeting

Expert Mortgage Advice, Delivered the Right Way

We focus on what we do best — delivering clear, life-centred financial planning.

For specialist mortgage advice, we’ve chosen to partner with Mortgage 1st, one of the UK’s leading, award-winning mortgage firms. It means you get independent expertise, fully aligned with your wider financial plan.

One team supporting your journey.
One joined-up experience.
One outcome: the right mortgage for you.

&

Your home may be repossessed if you do not keep up repayments on your mortgage.

Mortgage 1st is a trading style of Mortgage 1st Limited, which is an appointed representative of Stonebridge Mortgage Solutions Ltd,
and is authorised and regulated by the Financial Conduct Authority. They are entered on the Financial Services Register under firm number 484231.

What We Help You With:

Mortgages

  • First-time buyer support
  • Moving home
  • Remortgaging
  • Buy-to-let
  • Specialist mortgages

Protection

  • Life insurance
  • Critical illness cover
  • Income protection
  • Family protection planning
  • Mortgage protection

Lifesyle Integration

  • Ensuring your mortgage fits your long-term plan
  • Making sure protection supports your future goals
  • Building long-term affordability into your financial plan

The Problems We Solve:

Mortgage & Protection Advice is filled with unknowns and uncertainty that can create stress. We’re here to solve:

We Make It Simple At Every Step.

Your Mortgage Journey with Us.

Initial Meeting

Understanding Your Goals

We start with a friendly, no-obligation conversation to understand your situation, your budget and what you want to achieve. Your Mortgage 1st advisor will explain how the process works, check affordability and answer any early questions so you feel clear and confident from the outset.

Agreement In Principle

Strengthening Your Position

Once we have the basics in place, we’ll secure your Agreement in Principle (AIP). This gives you a realistic borrowing figure, improves your position with estate agents and helps you view properties with confidence. It’s a key step in speeding up your mortgage application later.

We Submit Your Application

We Handle It All

When you’ve found the right property, your adviser will prepare and submit your full mortgage application to the chosen lender. They’ll manage the paperwork, liaise with lenders, valuers and underwriters, and keep you updated at every stage — making the process smooth and stress-free..

Your Offer Letter

Your Approval in Writing

Once the lender has completed their assessment, you’ll receive your formal mortgage offer. We’ll check the offer carefully with you, explain the terms in plain English and ensure it matches your long-term financial plan. This is the point where everything becomes real — you’re one step closer to completion.

Keeping You Safe

Protecting Your Home & Family

A mortgage is a major financial commitment, so we’ll help you put the right protection in place. Your advisor will explain your options — such as life cover, critical illness cover or income protection — and recommend the most suitable level of cover for your circumstances. We are paid by commission from the provider for arranging this, and we’ll only proceed if you’re completely happy with the recommendation.

Your Future

Ongoing Reviews & Support

Once you’re settled in your new home, our support doesn’t stop. We’ll stay in touch to review your mortgage, check rates, and make sure you remain on the most suitable deal when your product expires. As your life and goals evolve, we can also help you plan ahead with wider financial advice whenever you need it.

We know that choosing a Mortgage Advisor is a big decision and it has to feel right.

That’s why our initial Discovery Meeting is completely cost-free and designed to be genuinely informative, giving you the space and time to get to know us before deciding whether we’re the right fit for you.

Get Your Mortgage Quote

Other Services We Offer:

Lifestyle &
Financial Planning

...

Investment
Advice

...

Retirement
Planning

...

Inheritance Tax
Planning

...

We’re A Brand You Can Trust.

Frequently Asked Questions
About Mortgage Advice.

How much can I borrow?

Your advisor will assess your income, commitments and lender criteria to give you an accurate borrowing range. You’ll also see clear monthly repayment figures so you know exactly what’s affordable.

Yes. Your advisor has access to a wide range of lenders, so the recommendation is based on what suits your circumstances — not a restricted panel.

Absolutely. We regularly support self-employed clients, contractors, company directors and those with multi-source income. Your adviser knows which lenders are comfortable with different income types.

Most applications take a few weeks to move from submission to offer, depending on the lender and your situation. Your adviser handles everything and keeps you updated throughout.

Typically: proof of income, bank statements, ID and details of any commitments. Your advisor will give you a clear checklist so everything is prepared upfront.

Yes — whether you’re remortgaging, switching deals or planning ahead, your adviser will compare the market and ensure a smooth transition without gaps or surprises.

Any fee is explained clearly and upfront before any work begins. You’ll always know exactly what you’re paying for — no hidden costs.

Frequently Asked Questions
About Protection Advice.

What types of insurance do I actually need?

Your advisor will assess your circumstances and recommend the essentials: life cover, critical illness cover, income protection and home insurance — tailored to your priorities and budget.

This depends on your income, liabilities, dependants and lifestyle. We calculate the right level of cover so you’re protected without overpaying.

Not necessarily. The cost depends on your age, health and the level of cover. Your advisor compares providers to find options that fit your budget while still giving meaningful protection.

Employer benefits are valuable, but they usually don’t offer full protection — and they end if you change jobs. We review what you already have and fill any gaps.

Possibly, but it doesn’t mean you can’t get cover. Different insurers treat medical history differently. Your advisor will approach the providers most likely to accept your circumstances.

Some policies can start the same day; others take longer if medical evidence is needed. We manage everything and keep you updated from application to acceptance.

In most cases, you won’t pay a fee for protection advice. If you choose to take out a policy, we’re paid a commission by the provider for arranging it.

We only recommend policies that are genuinely right for you, and if you’re comfortable with us receiving commission in this way, no advice fee is required. Everything is explained clearly upfront so you can make an informed choice.

Ready to Take Control Of Your Future?

Book Your Free Discovery Meeting

Prefer To Talk Things Through First?

If you’d prefer a quick intro discussion first, just complete the form and we’ll be in touch!

Our Financial advisors can offer unbiased guidance around money matters, personal finances, savings and investments.

We have the ability to create plans to meet specific goals and objectives, with the aim of improving financial stability and wellbeing.

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