Laura Smith Derbyshire Mortgage & Protection

02/11/2026

29/10/2026

🏡 Thinking about buying your first home, but have more questions than answers?

You’re not alone. Here are 6 questions worth asking before you start house hunting:

🔑 How much deposit do I actually need?
🔑 How much could I borrow on my income?
🔑 What would my monthly mortgage payments look like?
🔑 Should I buy now or keep saving?
🔑 What costs should I budget for besides the deposit?
🔑 What happens first — speaking to a broker, getting an agreement in principle or booking viewings?

The answers depend on your circumstances, and being clear on the options, this can make that first step feel much more manageable.

As a mortgage broker, I can help you understand your borrowing options, explore potential monthly payments and talk you through the mortgage process in plain English.

28/10/2026

Mortgages don’t have to be scary! 👻🏡

Whether you’re buying your first home, moving or looking to remortgage, I’m here to help you understand your options.

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

27/10/2026

Self-employed and dreaming of your next home? 🏡

Running your own business doesn’t have to mean putting your homeownership plans on hold.

Whether you’re a sole trader, freelancer or limited company director, Derbyshire Mortgages & Protection can help you explore mortgage options suited to your circumstances.

Every business has a different story. Let’s talk about yours.

Subject to status, affordability and lender criteria.

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

23/10/2026

🍂 is your mortgage deal ending within the next 6 months?

With autumn here and Christmas on the horizon, it’s easy to put your mortgage paperwork to one side.

Here’s one small task for this week: check the end date of your current deal. 📅

If it’s due up within the next 6 months then let’s talk through your options, the costs involved and what could suit your circumstances.

Getting organised now gives you time to consider your next step without a last-minute rush.

📩 Send us a message to arrange a mortgage review.

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

23/10/2026

🏡 RIGHTMOVE AT LUNCH. VIEWINGS THIS WEEKEND?

Before you fall in love with the kitchen, get a clearer picture of your mortgage options.

Whether you’re buying your first home or planning your next move, I can help you understand:

🔑 What you may be able to borrow
💷 What the monthly repayments could look like
📋 What you’ll need to get started

You don’t need to have found “the one” to start the conversation.

📩 Message this page with “MOVE” and let’s talk through your next steps.

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

22/10/2026

Life changes. Has your protection kept up?

A new home, a growing family or a change in income—your protection needs can change too.

Reviewing your life cover, critical illness cover and income protection can help you check whether they still suit your circumstances.

20/10/2026

🏡 Saving dream homes… but unsure what you could borrow?

Before you book those viewings, let’s talk about your mortgage options.

Your income, deposit and regular financial commitments can all affect what you may be able to borrow. Understanding your budget early can help you house-hunt with more confidence. 🔑

As a mortgage broker, I can help you understand your options and guide you through the next steps—without the confusing jargon.

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