Simone Hughes Derbyshire Mortgages & Protection

Simone Hughes Derbyshire Mortgages & Protection 🏡 Mortgage & Protection People from Derbyshire
🌎 Whole of Market Lenders
📍 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.

09/09/2026

Life doesn’t always go to plan.

Jobs change. Families grow. Mortgages get bigger. Monthly outgoings increase. And suddenly, the protection policy you took out a few years ago might not reflect the life you’re living now.

If you’ve had a baby, moved home, changed jobs, increased your mortgage or simply haven’t looked at your cover for a while, it could be worth reviewing it.

Because protection isn’t something you arrange once and forget about.

It should move with your life.

A quick review could help make sure the people you love, your home and your finances are still protected if life takes an unexpected turn.

If you’re not sure what your current policy actually covers, it’s time to review!

Mortgages don’t need to feel confusing or overwhelming.A little preparation, the right advice and knowing your options c...
07/09/2026

Mortgages don’t need to feel confusing or overwhelming.

A little preparation, the right advice and knowing your options can make the whole process feel a lot less stressful.

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

30/08/2026

Buying a home is about more than just getting the mortgage approved.

There are other costs to plan for too from solicitor fees and surveys to moving costs and what your monthly budget will actually look like once you’re in.

We speak to buyers all the time who have focused so heavily on the deposit and mortgage payment that the extra costs come as a surprise.

A little planning early on can make the whole process feel much more manageable.

Your mortgage keeps the roof over your head.Protection helps you keep paying for it when life doesn’t go to plan.Most of...
29/08/2026

Your mortgage keeps the roof over your head.
Protection helps you keep paying for it when life doesn’t go to plan.

Most of us insure our phones, cars and holidays without thinking twice but protecting the income that pays for everything can easily get pushed to the bottom of the list.

It’s worth asking yourself:
If your income stopped tomorrow, how long could everything carry on as normal?

Protection isn’t about expecting the worst.
It’s about having a plan if the unexpected happens.

23/08/2026

Sometimes the best feedback is the simplest.

Clear explanations. Different options. No pressure.

That’s exactly how we believe mortgage advice should feel.

There can be a lot to consider when it comes to your mortgage, and our job is to help you understand the options available, explain things clearly and give you the space to make the decision that feels right for you.

Thank you, Martin, for taking the time to leave Simone such a lovely review. ⭐⭐⭐⭐⭐

22/08/2026

We’ve seen this for years.

People come to us worried because they think their credit score is rubbish, while others have a high credit score and are surprised when they still don’t get the mortgage or rate they expected.

That’s because your credit score is only one part of the picture.

Lenders can look at things like your income, existing commitments, deposit, credit history, affordability and their own individual lending criteria. And importantly, not every lender assesses those things in the same way.

That’s where speaking to a mortgage broker can help.

We look at your circumstances as a whole, understand which lenders you may meet the criteria for and help find an option that suits your situation, rather than relying on one number on a credit report.

So before you assume your credit score has already decided the answer, speak to us.

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

18/08/2026

Who?!…

You don’t need to have the perfect deposit, the perfect credit history or know exactly what mortgage you need before speaking to us.

You might be buying your first home, moving somewhere new, remortgaging, self-employed, protecting your family or simply trying to work out what your options actually are.

There’s no type of person we’re looking for.

If you need clear, honest mortgage and protection advice, we’ll treat your circumstances with the same time, care and respect as anyone else.

Because behind every application is a person, a family and usually a pretty big life decision.

Our ideal client is simply you.

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

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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