Business Details
Your Trusted Mortgage Advisers in York
Established with a commitment to providing tailored mortgage solutions, Derwent Mortgages has become a trusted name in North Yorkshire. Our team of experienced professionals brings over two decades of expertise in navigating the complex mortgage market, ensuring clients receive impartial advice aligned with their unique circumstances. We pride ourselves on offering access to a comprehensive range of mortgage products from over 80 lenders, alongside protection policies designed to safeguard families and investments.Our approach prioritizes transparency, with clear communication throughout the process and a focus on long-term client relationships rather than transactional interactions. By maintaining authorisation with the Financial Conduct Authority and adhering to strict regulatory standards, we demonstrate our commitment to ethical practices and client trust. Our track record of successful completions and positive client testimonials reflect our dedication to making mortgage journeys as smooth and stress-free as possible.
Services
First Time Buyer Mortgages
Remortgaging Services
Buy-to-let Mortgages
Equity Release Solutions
Home Insurance Brokering
Protection Policies
Self Build Mortgages
Fixed Rate Mortgages
Tracker Mortgages
Offset Mortgages
Highlights and features
- We offer independent advice from the whole mortgage market
- Our team has access to over 80 lenders and thousands of mortgage deals
- We provide transparent fee structure with no hidden costs
- We handle lender communications to reduce client stress
- We combine mortgage advice with comprehensive protection solutions
Associations and certifications
- Financial Conduct Authority
What people say
Absolute breeze
Very proactive
Always available
Highly recommend
Very patient
Services
First Time Buyer Mortgages
Specialised mortgage solutions for first-time property purchasers. We guide clients through the entire process from initial enquiry to completion, helping navigate changing market conditions and affordability assessments. Our service includes identifying suitable mortgage deals, explaining financial commitments, and ensuring clients understand all associated costs and requirements.
Remortgaging Services
Expert guidance for homeowners seeking to change their existing mortgage arrangements. We help clients explore options for debt consolidation, home improvements, or better financial terms. Our service includes assessing early repayment charges, comparing new deals, and advising on potential savings or restructuring opportunities.
Buy-to-let Mortgages
Tailored mortgage solutions for property investors. We provide advice on eligibility criteria, rental affordability assessments, and deposit requirements. Our service covers different mortgage types suitable for buy-to-let properties and explains the unique considerations for investment property financing.
Equity Release Solutions
Specialist advice for homeowners aged 55+ seeking to access property equity. We explain different release options including lifetime mortgages and home reversion plans. Our service covers cost implications, inheritance considerations, and how these products affect benefit entitlements.
Home Insurance Brokering
Insurance advice to protect residential investments. We help clients obtain appropriate buildings and contents coverage through a panel of rated insurers. Our service includes explaining policy terms, identifying potential coverage gaps, and ensuring adequate protection for both mandatory and optional insurance requirements.
People
Paul Gill
Director and Founder
With over 20 years' experience in the mortgage industry, Paul established Derwent Mortgages to provide independent advice. He specialises in guiding clients through complex mortgage transactions and has helped numerous customers with home purchases, remortgaging, and buy-to-let investments.
Questions
What types of mortgages do you offer?
We offer first-time buyer, remortgaging, buy-to-let, self-build, and equity release mortgages, along with fixed-rate, tracker, and offset mortgage options.
Are you regulated by financial authorities?
Yes, we are authorised and regulated by the Financial Conduct Authority under reference 591339.
What fees do you charge for mortgage advice?
Our standard fee is £400 for residential mortgages, £500 for buy-to-let, and £750 for equity release, payable upon completion.
How do you help first-time buyers?
We provide tailored guidance through the entire mortgage process, explain available options, and help identify suitable deals matching individual circumstances.
Can you help with home insurance requirements?
Yes, we assist clients in obtaining appropriate buildings and contents insurance through our panel of rated insurers.
What areas do you cover?
While based in York, we provide mortgage advice services throughout North Yorkshire and the wider UK.
Reviews (1)
N. H.
Sep 03, 2011
Report
Paul Gill has helped me with several mortgages over the years, including our home and buy to let mortgages. He is diligent, reliable and honest and I appreciate his help and advice.
