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

Not every lender looks at your application in the same way. 🤔Something one lender turns down could easily get approved b...
27/10/2026

Not every lender looks at your application in the same way. 🤔

Something one lender turns down could easily get approved by another.

That’s because each lender has its own criteria. Income, credit history, job type, and even the kind of property you’re buying all get weighed up differently. 🔎

So a no from one doesn’t mean it’s a no everywhere else.

Self-employed? A few credit blips in the past? Income that’s not straightforward, or a property that’s a bit unusual?

None of that rules you out. I’ve helped plenty of people with tricky situations get a mortgage sorted. 🤩

A lot of it comes down to knowing which lenders are worth approaching, and in what order.

If you’ve written off getting a mortgage, speak to me first. 💬

You might be surprised what’s possible.

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

13/10/2026

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A poor credit score isn’t the full story.Lenders look at your whole financial picture, not just one number. 🔎What happen...
29/09/2026

A poor credit score isn’t the full story.

Lenders look at your whole financial picture, not just one number. 🔎

What happened matters. How long ago it happened matters too.

A settled issue from years back can be viewed very differently to something ongoing right now. And even if you do have ongoing debts, it could still be possible to secure a mortgage. 🏠

Some lenders take a more relaxed view than others, so a specialist lender isn’t always the only route.

Sometimes a more complex credit history means a higher rate, but that’s not always the case either. 💷

Don’t rule yourself out before you know where you stand.

Let’s find out what’s actually possible for you. ☎️

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

Another happy client 🤝
15/09/2026

Another happy client 🤝

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27/08/2026

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A simple post. But it’s THE best message to receive from clients… ‘I’ve got my keys’ 😍🙌
17/08/2026

A simple post. But it’s THE best message to receive from clients… ‘I’ve got my keys’ 😍🙌

While online tools show monthly payments and a broad figure of what you could borrow, they can’t understand the details ...
03/08/2026

While online tools show monthly payments and a broad figure of what you could borrow, they can’t understand the details of your circumstances. 💷

Factors like your mortgage term, overpayment policies, and how much flexibility you’ll need down the line are so important.

Lenders also assess how much you can borrow in their own ways.

That lowest monthly payment might seem attractive, but it isn’t always the wisest choice for your long-term plans. A longer term, for example, can offer much-needed flexibility if you can overpay.

I take the time to look at your full picture. 📸

Let’s chat about your options. 📞

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

5 STAR REVIEWS 😍
22/07/2026

5 STAR REVIEWS 😍

Thinking about your next mortgage? It’s tempting to head straight to your bank, isn’t it? 🤔While they know your finances...
10/07/2026

Thinking about your next mortgage? It’s tempting to head straight to your bank, isn’t it? 🤔

While they know your finances, their options are limited to what they offer. They can only show you their products while an entire market goes untouched.

That’s like only looking at one shop when there’s a whole high street waiting!

I believe in exploring a wider market because a bigger net catches more fish! 🐟

I look at hundreds, if not thousands, of mortgages from various lenders, including those who specialise in things like lower deposits.

We compare countless deals to find suitable options for you, not just what one bank provides. 💪

Let’s chat about your options. 📞

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

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