Olivia Smith - Peak Mortgages and Protection

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Olivia Smith - Peak Mortgages and Protection

4 Time Winners of Derbyshire Mortgage Advisors of the Year

09/06/2026

The gap between those who worry about cancer and those who have protection is too large not to speak about it. 😟

Being proactive about protection before falling seriously ill is one way you can ensure you and your family are looked after when you can no longer work.

Critical illness cover provides a lump sum if you’re diagnosed with a serious illness. 💷

This money can help cover mortgage payments, living costs, or specialist treatment.

It’s about giving you financial breathing room when you need it most.

We’re here to help you find the support you need.

Get in touch today. ☎️

As with all insurance policies, conditions and exclusions will apply.

https://theintermediary.co.uk/2026/05/vitality-research-highlights-confusion-around-critical-illness-cover/

14/05/2026

You’re six months from the end of your mortgage deal, and life feels jam-packed. ⏰

It’s easy to let remortgaging slip down the to-do list.

But it’s about more than just a new rate!

A remortgage can also help with home renovations or accessing the equity in your home. 🏡

Don’t let those plans gather dust. Our team is here to do the work for you.

We handle all the research, finding you suitable options and making the whole process simple and stress-free.

Your remortgage sorted. ✅

Book a chat with us today. ☎

Your home may be repossessed if you do not keep up repayments on your mortgage.
You may have to pay an early repayment charge to your existing lender if you remortgage

23/04/2026

Lenders look closely at three main things to decide how much they’re willing to lend. 💷

Your income: The more you earn (and the more stable it is), the more you may be able to borrow.

Your current debts: Existing commitments reduce how much you can afford to repay on a mortgage and could thus affect your borrowing power

Your credit score: A stronger credit score shows reliability, helping lenders feel more confident in lending to you.

These all play a big part in your potential mortgage options. 🏠

Let’s chat about your options. 📞

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

09/04/2026

Biggest mortgage mistakes we see? ❌

1️⃣ Only seeing your bank - they only show you their deals
2️⃣ Falling onto your lender’s SVR - it’ll cost you more than you think!
3️⃣ Applying for new finance close to or during your search

Reach out to learn more about how to set yourself up for mortgage success! 📱

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

24/03/2026

You may have seen the latest news that the Bank of England have held the base rate at 3.75% 🔒

But what does that actually mean for your mortgage:

If you have a variable or tracker rate mortgages then your monthly payments should remain unchanged for now. 🏡

That said, the mortgage market has been unpredictable in recent weeks, so please do get in touch if you have any concerns. 📲

If you’re on a fixed rate mortgage then no action is really needed, today’s decision won’t affect it. ✅

A quick note: with how the market has been these last few weeks, we are recommending all clients contact us at least 6 months before their current deal comes to an end. 📆

The reason is simple. If rates fall before your new deal begins, we can explore whether a better option is available to you. If rates rise, you will already have secured your deal 🏡

If you would like to discuss your mortgage or explore your options, please do not hesitate to get in touch. 👇

Your home may be repossessed if you do not keep up repayments on your mortgage.
You may have to pay an early repayment charge to your existing lender if you remortgage

11/03/2026

Planning a move in 2026? 🏠 Don’t let the excitement lead to expensive financial surprises!

As a mortgage advisor, I see many homeowners jump straight into property viewings before checking the “maths” of their move. To ensure your next step is a smart one, here are 3 essential steps to follow before you even pick up a packing box:

1️⃣ Check your “Moving Power” first 📉 Don’t guess your budget based on online estimators. We should chat first to calculate your actual equity and determine exactly what your new home cost could be. Whether you are porting an existing deal or looking for a fresh start, knowing your numbers prevents you from falling in love with a house you can’t actually buy.

2️⃣ Budget for the ‘Hidden Costs’ 🚛 The purchase price isn’t the only figure to watch. You need to ringfence funds for:

Stamp Duty (often the biggest surprise!)

Survey Fees to check the property’s health.

Legal Fees & Removals to get you over the finish line. Budgeting for these now prevents a “cash-flow crisis” on completion day.

3️⃣ Review your family’s protection 🛡️ A new house and a new mortgage usually mean your life insurance needs have changed. It’s the perfect time to review your Life Insurance and Income Protection. We want to make sure that if life throws a curveball, your family is still safe in their new home.

Your home may be repossessed if you do not keep up repayments on your mortgage.
You may have to pay an early repayment charge to your existing lender if you remortgage.

04/03/2026

The thought of losing a family home is scary. For many UK couples, those monthly mortgage payments rely heavily on two incomes.

If the unexpected happened and a partner’s income stopped, maintaining those payments could quickly become overwhelming😔

We want to ensure your family can stay put, no matter what happens.

Life insurance is a highly effective way to protect the roof over their heads. It provides a crucial financial buffer so the mortgage can be covered when they need support most.

Secure your family’s future today. Get in touch 📧 📞

As with all insurance policies, conditions and exclusions will apply.

21/01/2026

Saving a deposit is a huge step, but the journey demands knowledge, too. 🏠

New data shows that for many young would-be buyers, the biggest hurdle isn’t saving money, it’s understanding the mortgage process itself.

That gap in knowledge can feel just as large as the deposit total. Fear of the unknown halts progress.

I look to build your confidence in the financial decision you make. I will clarify the steps and debunk the myths.

My commitment is to ensure you feel supported and prepared for homeownership.

Get in touch today. 📞

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

https://www.introducertoday.co.uk/breaking-news/2025/12/financial-ignorance-holds-back-gen-z-would-be-home-buyers-new-research/

09/01/2026

REFER A FRIEND ✔️

Do you know someone looking for a mortgage or insurance policy? Refer them to me and get £50 when their mortgage completes or their insurance policy starts!

It’s simple 😃
1️⃣ Refer a friend
2️⃣ They get expert advice
3️⃣ You get £50 when it’s all sorted!

________
Refer A Friend T’s & C’s⁠
-Minimum case value may apply⁠
-One referral fee payable per client⁠
-For Mortgage referrals - Referral fee paid within 30 days of mortgage completion
-For Protection referrals - Referral fee paid within 30 days of policy start date⁠
-Offer is limited to 5 successful referrals per person, per year⁠
⁠
**Your home may be repossessed if you do not keep up repayments on your mortgage.
You may have to pay an early repayment charge to your existing lender if you remortgage**

06/01/2026

Looking to move in 2026? 📆

📧 📞 📱 🗣️

Your home may be repossessed if you do not keep up repayments on your mortgage.
You may have to pay an early repayment charge to your existing lender if you remortgage.

Address

Suite 10 Riverside Business Centre
Business Centre
DE560RN

Website

https://peakmortgagesandprotection.co.uk/

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