Chris Hodgson - Peak Mortgages and Protection

Chris Hodgson - Peak Mortgages and Protection 4 Time Winners of Derbyshire Mortgage Advisors of the Year

Well this has been a fun 4 years. I joined a small team, instantly felt at home, found some balance, then life changed f...
11/05/2026

Well this has been a fun 4 years.

I joined a small team, instantly felt at home, found some balance, then life changed forever with the arrival of the little man.

I’ve met and helped hundreds of clients, made some great contacts, clients and friends and I’m super keen to see where the next 4 years takes me.
#

23/04/2026

Quality time sponsored by a toddler asking “why?” One gazillion times

21/04/2026

It’s no secret that the Iran conflict has had an impact on rates, the headlines have been that lenders have pulled products and repriced them.

We tend to find that increases are quick and decreases are slower and more methodical.

Over the past week or so we’ve seen a sprinkling of lenders actively reducing some rates and hopefully this is a good sign to come.

Anyone else feel like they’ve aged 30 years in a week? I’ve morphed into my dad and developed his Homer Simpson style ha...
27/03/2026

Anyone else feel like they’ve aged 30 years in a week? I’ve morphed into my dad and developed his Homer Simpson style haircut

This week, I’d like to thank The Donald for never playing Risk during his childhood, or even reading a history book; it feels like he’s been outmanoeuvred by a child playing draughts!

The hairline is also sponsored by last minute rate pulls, long lead times and what feels like a massive appetite to not lend.

I still can’t wrap my head around lenders valuing a holiday let, not on a projection of the holiday let income but on the AST value.

The follicles have also taken a bruising by valuers valuing a property at £205 LESS than the actually rental income the landlord is receiving, rendering it “unaffordable”

Oh, and a valuer writing in her report that the “property’s bathroom has no sanitation” and then the owner sends a 13 minute walk around video of all the toilets, showers, baths and sinks working and flushing. He just needed Khaby Lame stood next to him to express the absurdity

On a brighter note, I’m just about to exceed a personal best of written business for this month, hopefully before the rest of my hair falls out!

Keep your chin up brokers, that’s Q1 almost done

firsttimebuyer

TGIF THE 13thIt didn’t feel like an unlucky day, but it was the busiest of Fridays at the end of the busiest of weeksSta...
13/03/2026

TGIF THE 13th

It didn’t feel like an unlucky day, but it was the busiest of Fridays at the end of the busiest of weeks

Started with a sprained knee somewhere in between a 2 and 1/2 hour footy and Padel marathon and finished with a successful flurry of mortgage applications submitted

I helped a couple with 1 years self employed accounts get a mortgage, after an affordability decline

Found a mortgage home for a couple who were buying a house with 2 kitchens- who knew that would cause an issue?

THEN, I organised a mortgage for 2 junior doctors, fresh out of university, in their first few months of rotation

I even managed to submit 4 protection cases, nothing super complicated, just good old comprehensive advice that left the clients protected and happy that I could help

decent amount of admin to do over the weekend but for now, im off to hit the CrossFit Open wod and spend some well deserved RnR with the little man

13/01/2026

Maybe an extra dose of cake will make the tune more techno and upbeat!

Have you heard the news?
16/05/2025

Have you heard the news?

📣 100% Mortgages ARE BACK!!

A lender has today announced the return of a zero deposit/100% mortgage product!

As with all mortgage applications terms and criteria apply. Our advisers are on hand to review your circumstances and offer tailored advice.

We’re here to help 🤝

📞 01773 826575
📧 [email protected]

The daddy daycare/work commitments balancing act is always made easier with a sunny bike ride round the lake for lunch! ...
30/04/2025

The daddy daycare/work commitments balancing act is always made easier with a sunny bike ride round the lake for lunch!

26/04/2025

Address

Riverside Business Centre, Suite 10, Foundry Lane, Milford
Derby
DE560RN

Telephone

+441773826575

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