Simone Hughes Derbyshire Mortgages & Protection

Simone Hughes Derbyshire Mortgages & Protection 🏡 Mortgage & Protection People from Derbyshire
🌎 Whole of Market Lenders
đź“Ť Covering the UK

Derbyshire Mortgages & Protection is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH REPAYMENTS ON YOUR MORTGAGE.

08/06/2026

We get it.

Scrolling Rightmove is exciting. Viewing houses is exciting. Imagining where the sofa will go is exciting.

Finding out your budget? Not quite as exciting.

But knowing what you can realistically borrow before you fall in love with a property can save a huge amount of stress, disappointment and wasted time.

The truth is, your dream home isn’t the one you can’t afford.

It’s the one you can move into confidently, knowing the numbers work and you’re comfortable with the repayments.

Start with the mortgage. Then find the home.

Trust us, future you will thank you for it.


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

05/06/2026

It’s not the nicest thing to think about, but it is one of the most important.

Because if your income stopped, it wouldn’t just be the mortgage you’d need to think about. It’s the food shop. The bills. The school trips. The petrol. The little treats. The favourite takeaway on a Friday night. The everyday things that make life feel normal.

Mortgage protection is not about expecting the worst. It’s about making sure that, if life changed suddenly, you and your family had a plan in place.

No one wants to imagine being unable to work due to illness, injury or something unexpected, but having the right protection can help give you breathing space when you need it most.

It’s not just about protecting a mortgage.
It’s about protecting your home, your family and your way of life.

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

Not all mortgage advisers are the same.Choosing the right adviser isn't just about finding a mortgage. It's about having...
04/06/2026

Not all mortgage advisers are the same.

Choosing the right adviser isn't just about finding a mortgage. It's about having someone in your corner who understands your circumstances, explains your options clearly and supports you throughout the journey.

Whether you're buying your first home, moving house, remortgaging or self-employed, taking the time to find the right advice can make a huge difference.

Which of these matters most to you when choosing a mortgage adviser?

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

02/06/2026

Past credit issues don’t always mean the door to getting a mortgage is closed.

Missed payments, defaults, CCJs or previous financial difficulties can make you feel like you won’t be accepted but every lender assesses applications differently. What one lender may say no to, another may look at more closely depending on the full picture.

That’s why personal advice matters.

Your income, deposit, credit history, affordability, the age of the issue and what has changed since can all make a difference. It’s not about guessing or ruling yourself out before you’ve even explored your options.

At Derbyshire Mortgages & Protection, we look at your individual circumstances and help you understand what may be possible.

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

Reviews like this are exactly why we do what we do. 🤍Buying a home, remortgaging or arranging protection can feel stress...
28/05/2026

Reviews like this are exactly why we do what we do. 🤍

Buying a home, remortgaging or arranging protection can feel stressful at times, so having a team that keeps you informed, supported and reassured throughout the process matters.

A huge thank you to Heidi for such kind words about Simone and Emma. From answering questions quickly to helping find the best deal possible, we’re proud to support our clients every step of the way.


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

The food shop.The heating.The car on the drive.The subscriptions.The children’s clubs.The little weekends away.The life ...
24/05/2026

The food shop.

The heating.

The car on the drive.

The subscriptions.

The children’s clubs.

The little weekends away.

The life you have built.

Most of it does not feel like a luxury when it is part of everyday life.

But if your income stopped, even the normal things could suddenly feel harder to keep hold of.

That is where protection becomes part of the conversation.

Not because anyone expects life to go wrong, but because the lifestyle you work hard for deserves to be thought about properly.

Protection can help provide financial support if illness, injury or death affects your household, depending on the policy and your circumstances.

It is not just about protecting a mortgage.

It is about protecting the life that mortgage helps you live in.

As with all insurance policies, conditions and exclusions apply.

23/05/2026

Good service should not be a surprise.

It should be the standard.

We know that arranging a mortgage or protection policy can feel overwhelming, especially when there are so many options, forms, figures and decisions involved.

That is why we focus on making the process feel clear, supported and personal from start to finish.

We will not treat your situation like a quick transaction.

We will take the time to understand your circumstances, explain your options clearly and support you through the process as best we can.

Our reviews speak for themselves and we are proud that so many people choose to come back to us, recommend us and trust us with such an important part of their lives.

Because good advice matters.

But so does the service that comes with it.

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

22/05/2026

There is a lot of mortgage “advice” online.

Some of it is helpful.
Some of it is outdated.
Some of it is based on someone else’s situation entirely.

And that’s the part people often forget.

Your income, deposit, credit history, employment type, outgoings, goals and future plans all matter when looking at your mortgage options.

What worked for someone else may not be the right route for you.

Mortgage advice should never feel like guesswork and it definitely should not come from a comment section.

Speaking to an FCA regulated mortgage adviser means your circumstances can be properly reviewed before any recommendation is made.

Because when it comes to your home and your finances, personal advice matters.

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

Did you know we have an in house mortgage adviser based at Smartmove Homes?Laura from Derbyshire Mortgages & Protection ...
20/05/2026

Did you know we have an in house mortgage adviser based at Smartmove Homes?

Laura from Derbyshire Mortgages & Protection is available to support clients who may be buying their first home, moving property, remortgaging or reviewing their protection needs.

By working closely with Smartmove Homes, we can help make the process feel clearer and more joined up for those navigating their property journey.

From understanding mortgage options to looking at protection needs, Laura is there to provide advice and guidance when it’s needed.

A helpful service, available in house at Smartmove Homes.


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

There may be a fee for arranging a mortgage, and the precise amount will depend on your circumstances and the complexity of your mortgage needs.

Not all Buy to Let mortgages are regulated by the Financial Conduct Authority.

18/05/2026

Mortgage advisors aren’t just for Christmas, they’re for life.

Address

3d Unicorn House, Wellington Street
Ripley
DE53EH

Opening Hours

Monday 8am - 8pm
Tuesday 8am - 8pm
Wednesday 8am - 8pm
Thursday 8am - 8pm
Friday 8am - 8pm
Saturday 8am - 8pm

Telephone

01159 633371

Website

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