Mortgages without the mortgage-broker drama.
A small, independent broker for first-time buyers, remortgages and the self-employed across Derbyshire and Nottinghamshire. Whole of market. Fixed fees. Evening calls welcome.
Three steps. No surprises.
We don't believe in mystery. Here's exactly what happens from the first call to picking up the keys.
Chat
A free, no-obligation 30-minute call or in-person meeting. We learn what you want, what you earn, and what's keeping you up at night. No credit check yet.
Search
We scan every lender on the market — high street, building societies, specialists. We compare rates, fees and total cost over the deal period. You see the workings.
Recommend
One clear recommendation in writing with the reasoning behind it. We handle the paperwork, chase the lender, and stay with you through to completion.
Best rates this week, across the market.
A snapshot of the leading residential mortgage rates as of this Monday. Updated weekly. Indicative only — your rate depends on your circumstances.
One fixed fee. Agreed up front.
We charge you one transparent fee — nothing more, nothing hidden. Lender procuration fees over our fair share are rebated back to you in writing.
Whole-of-market search, AIP to completion. We hold your hand the whole way.
- Whole-of-market lender search
- Affordability + budget review
- AIP to completion handling
- Solicitor + insurance referrals
- Plain-English recommendation report
We start 6 months before your fix ends. Most popular service.
- Full market comparison
- Product transfer vs new lender review
- Total cost over deal period analysis
- Lender application + chasing
- Future review reminder set
Self-employed, BTL, limited company, complex income. One fixed fee.
- Specialist lender access
- Limited company SPV advice
- Tax-efficient structuring chat
- HMO / holiday let placement
- Portfolio landlord support
Every kind of mortgage under one roof.
First-Time Buyer
Bewildered by deposits, AIPs and stamp duty? We sit down, work out what you can realistically afford, then find the best deal across the whole market.
Remortgage & Product Transfer
Your fixed rate ending? We start the search 6 months out so you're not auto-rolled onto a punishing standard variable rate.
Buy-to-Let
Portfolio landlords and first-time investors. Limited company structures, HMOs, holiday lets — we know which lenders touch them and which won't.
Self-Employed Mortgages
One year of accounts? Two? Dividends + salary? Contractor day-rate? We've placed every shape — and we know which lenders actually understand SA302s.
Equity Release
Lifetime mortgages and home reversion plans, explained without jargon. Fully advised by a qualified equity release adviser. Family always welcome in the room.
Four things worth knowing.
FCA Authorised
We're authorised and regulated by the Financial Conduct Authority. You can check us on the FCA register — number 924871.
Whole of Market
We're not tied to any lender. We search every mortgage available, including products you can't get on the high street.
Fixed Fee, No Commission Games
One transparent fee, agreed up front. We rebate any lender procuration fee that takes the total over what's fair.
Evening Calls Welcome
We know you work. Calls until 8pm weekdays, Saturday mornings 9–12. The phone is answered by Helen, not a switchboard.
A small broker. On your doorstep.
Helen Trent and Adam Vale set up the practice in 2014, after twenty combined years inside high-street banks watching customers nudged into deals that were second-best.
We're a team of four advisers covering Derby, Nottingham and the villages in between. £180m of lending placed — first-time buyers, accidental landlords, surgeons, sole traders, and one or two who'd already been told 'no' four times elsewhere.
The office is above the bakery on Friar Gate. Walk-ins welcome. Tea is on us.
What our clients tell us.
"First-time buyers, completely lost. Trent & Vale walked us through every step, and we ended up with a rate 0.4% lower than the bank had offered directly. Saved us thousands."
"Self-employed, two years' accounts, and three banks had already turned me down. They placed me with a specialist lender within a fortnight. Fixed fee, no nasty surprises."
"Our broker for three remortgages now. Helen rings six months before each fix ends — we don't have to think about it. Honest, friendly, and they actually pick up the phone."
Free 30-minute chat.
Tell us what you're trying to do. We'll tell you honestly whether we can help, what it would cost, and what your options look like. No sales patter.
Your home may be repossessed if you do not keep up repayments on your mortgage. Trent & Vale Mortgages Ltd is authorised and regulated by the Financial Conduct Authority — FCA Reference Number 924871. Registered in England & Wales, company number 09124803.