Business Details
Expert Mortgage Brokers in Belper, Derbyshire
Established over three decades ago, our business has built a reputation for delivering tailored mortgage solutions to clients across the UK. We specialise in navigating complex financial scenarios, offering expert guidance on first-time buyer mortgages, remortgaging, buy-to-let portfolios, and cases involving adverse credit histories. Our team of seasoned advisors prioritises transparency, ensuring clients understand every step of the process while accessing exclusive deals unavailable on the high street.With a commitment to innovation, we combine traditional face-to-face consultations with modern virtual meetings to accommodate diverse client needs. Our regulatory compliance and affiliation with Sesame Ltd, an FCA-authorised network, underscore our dedication to professional standards. By maintaining a client-centric approach, we have cultivated long-term relationships and earned consistent referrals from satisfied customers nationwide.
Services
First Time Buyer Mortgages
Home Mover Mortgages
Remortgages
Bad Credit Mortgages
Buy to Let Mortgages
Conveyancing Services
Credit File Protection
Life Insurance Advice
Highlights and features
- We have over 30 years of experience in UK mortgage advisory services.
- Our team offers access to exclusive mortgage deals unavailable on the high street.
- We provide tailored solutions for complex cases including adverse credit histories.
- Our FCA-regulated services ensure compliance with the highest professional standards.
- We offer flexible consultation options including face-to-face and virtual meetings.
What people say
Excellent mortgage advice
Knowledgeable advisors
Seamless process
Helpful guidance
Competitive rates
Services
First Time Buyer Mortgages
Specialised mortgage solutions for first-time property purchasers. Our advisors guide clients through every step, from initial affordability assessments to final completion. We access exclusive deals unavailable on the high street while providing clear explanations of deposit requirements, government schemes, and long-term repayment strategies. With tailored support for both new build and existing properties, we simplify the often complex process of entering the property market.
Bad Credit Mortgages
Expert assistance for clients with imperfect credit histories. We work with specialist lenders offering competitive rates for various credit scenarios, including missed payments, CCJs, and previous repossessions. Our advisors conduct detailed affordability assessments to identify suitable products while providing practical advice on improving creditworthiness. This service includes comprehensive guidance on documentation requirements and realistic expectations management for successful mortgage applications.
Buy to Let Mortgages
Comprehensive mortgage solutions for property investors. We offer portfolio management services and access to competitive rates for both single-property landlords and large-scale investors. Our expertise covers complex scenarios involving multiple properties, limited company structures, and commercial buy-to-let arrangements. Clients receive detailed cashflow analysis, stress-testing for interest rate fluctuations, and strategic advice on tax-efficient borrowing structures tailored to their investment goals.
Remortgage Services
Strategic remortgaging advice to optimise existing property investments. We analyse current deals against market offerings, considering early repayment charges and potential savings. Our service includes equity release options, loan term adjustments, and conversion between repayment and interest-only structures. Clients benefit from our expertise in negotiating with existing lenders while accessing exclusive remortgage products to reduce monthly payments or fund home improvements.
Conveyancing Services
Integrated legal support for property transactions. We coordinate with approved solicitors to streamline the buying, selling, or remortgaging process. This includes title deed verification, local authority searches, and contract negotiations while maintaining strict compliance with legal requirements. Our clients receive regular progress updates and clear explanations of legal documentation to ensure smooth completions for both residential and investment property transactions.
People
Nigel Jones
Director
With over 30 years' experience in mortgage advisory services, Nigel established Missing Element Mortgage Services after identifying gaps in customer service within traditional brokerage models. His expertise spans complex mortgage cases and regulatory compliance, ensuring clients receive both innovative solutions and professional standards.
Lorraine Jones
Head of Admin & Compliance
Lorraine leads our compliance team with extensive experience gained from financial services giant Prudential. She ensures all operations meet FCA regulations while maintaining efficient administrative processes. Her background in risk management supports our commitment to professional standards and client data protection.
Honor Porter
Mortgage & Protection Advisor
Honor specialises in adverse credit mortgages and protection insurance, building a strong reputation for resolving complex cases. Her client-focused approach combines technical expertise with clear communication, helping clients understand options while achieving successful mortgage outcomes through tailored solutions.
Questions
Do you offer mortgage advice for first-time buyers?
Yes, we specialise in first-time buyer mortgages with tailored guidance on deposits, government schemes, and property selection across Derbyshire and nationwide.
Can you help with adverse credit mortgage applications?
Yes, our advisors have extensive experience securing mortgages for clients with imperfect credit histories through specialist lender partnerships.
What areas do you cover for face-to-face appointments?
We conduct in-person meetings across Derbyshire, Nottinghamshire, Leicestershire, and Staffordshire, with virtual options available nationwide.
Are your mortgage services regulated?
Yes, we operate as an appointed representative of Sesame Ltd, authorised and regulated by the Financial Conduct Authority.
Do you offer buy-to-let mortgage solutions?
Yes, we provide comprehensive buy-to-let mortgage advice including portfolio management and limited company landlord structures.
How do you charge for mortgage advice?
Our fee structure varies by service type - we provide transparent cost details during initial consultations with no hidden charges.
Reviews (6)
Johanna Warren
Dec 19, 2021
Report
Positive:Professionalism,Quality,Responsiveness,Value
Paul did an amazing job on my re-mortgage. He found an unbelievable deal for me and followed it through quickly and thoroughly. I would highly recommend this company.
Paul did an amazing job on my re-mortgage. He found an unbelievable deal for me and followed it through quickly and thoroughly. I would highly recommend this company.
Andrew Spence
Dec 02, 2021
Report
5 stars is not enough to describe Paul and his amazing service. We as a couple and family cannot recommend him highly enough. One week ago I contacted Paul, he was straight on the case, took all our details and got straight to work. Even when he was away from work he was chasing stuff up for us and liaising with us to keep us on track. We were convinced we would not get accepted as our credit rating is not the best,but Paul assured us he would do his best and he certainly has, and here we are now, one week in and we officially have our mortgage offer and the wheels to complete are in motion.
PAUL
PAUL
Emily Spridgens
Oct 25, 2021
Report
Positive:Professionalism,Quality,Responsiveness
Highly recommend Paul. He was very helpful with guiding me through everything and making things easy.
Highly recommend Paul. He was very helpful with guiding me through everything and making things easy.
Megan Sullivan
Oct 22, 2021
Report
Positive:Professionalism,Quality,Responsiveness,Value
Absolutely amazing. Could not have gone through buying my first house without Paul! Took the stress away from me, was really informative, really good at communicating and I would not have my lovely home without him. Forever grateful and cannot recommend enough. Worth his weight in gold!
Absolutely amazing. Could not have gone through buying my first house without Paul! Took the stress away from me, was really informative, really good at communicating and I would not have my lovely home without him. Forever grateful and cannot recommend enough. Worth his weight in gold!
Dharam Barton
Jul 03, 2021
Report
Paul was great from start to finish. We didn't have the best circumstances but we were reassured and a mortgage was found for us which didn't break the bank. Responses were really fast and and as the process went on Paul was very quick to keep us positive and answer any questions we had. We will definitely use missing element again for mortgage advice as well as other things such as life insurance.
Frederick Francis
Jul 01, 2021
Report
Positive:Professionalism,Responsiveness,Value
Paul was fantastic! Arranged an amazing mortgage with a low rate of interest despite some difficult circumstances. Highly recommended. Thank you
Paul was fantastic! Arranged an amazing mortgage with a low rate of interest despite some difficult circumstances. Highly recommended. Thank you
