Can we make your vision a little clearer?

Are we the solution to your problem?


On line application advise solutions or Face to Face at a time and place that suits you best


Call on: 01773 856 355
Email to:

Contact us to learn more, click on me

Happy to help with Poor Credit History, Complicated Incomes,

Low Deposits and much more.

We have been helping people get mortgages for 30 years around Derbyshire, Nottinghamshire, Leicestershire, Staffordshire and Nationwide from Newcastle to Newquay by meeting in our office in Belper visiting them in their homes or by Zoom, Microsoft Teams and Facetime.


Whether you are a Mortgage First Time Buyer or a seasoned pro our team of friendly advisors are here to help guide you through the process.

Over 50s - Equity release - Lifetime Mortgage Broker and Advisor - Derby, Derbyshire, Belper

What if the worse was to happen to you? Could your family cope? We want to make sure that you are protected should this happen

Get your Credit File

Your credit score is one of the most important parts of the mortgage application. Do you know what yours says about you? Check it out now!

First Time Buyers

Are you ready to become a homeowner? Here’s some first-time buyer mortgage advice to get you started.

First time young buyers - Mortgage Advice in Belper, Derbyshire from Missing Element Mortgage Services - Mortgage Brokers and Advisors - Highly Rated Mortgage Services in Derby
Home Mover Mortgages

Have you grown out of your current space or wanting to work from home and need a home office, this is where a home mover mortgage comes into play


Switching it to a new lender, or by moving to a different rate with your existing lender. It can be a good way to find lower interest rates and better mortgage terms

Bad Credit Mortgages

Can you get bad credit mortgages? Yes its possible. Lenders have different criteria that they will accept, we can help to find a lender if one is available for you but getting a mortgage can be much harder than if you have a perfect credit history.

Contact us to learn more

If you are experiencing financial difficulty and struggling to make repayments, then you can contact your lender who may be able to help taking account of your individual circumstances.

You may want to contact one of the free impartial money guidance and debt advice services such as StepChange, Citizens Advice, or Turn2Us.


Based in Belper in Derby Missing Element Mortgage Services have access to a huge range of lenders

We regularly carry out face to face appointments in Derby, Belper, Crich, Matlock, Nottingham, Leicester, Allestree, Quarndon usually anywhere within 30 miles, but also love to visit our clients in Manchester, Leeds, London and as far away as Newquay.

We are here to guide you through the entire process from your first call through to when you put the keys in the door, we will help you get all your ducks in a row, manage the estate agents and decipher the solicitors document’s, whether your a first time buyer, seasoned in the art of remortgage, have bad credit or are a landlord with multiple buy to let properties we have many great options for you.

So if you are looking for an expert mortgage advisor or broker near you look for Missing Element Mortgage Services or pop into our office in Belper, Derby.

Missing Element Mortgage Services Ltd is an appointed representative of Sesame Ltd, which is authorised and regulated by the Financial Conduct Authority.

The information and content of this website is intended for UK consumers only and is subject to the UK regulatory regime.

Missing Element Mortgage Services Ltd, registered Office Unit 3 Heritage Business Centre, Derby Road, Belper, Derbyshire, DE56 2SW.

Registered England and Wales No 5794278.

The FCA dose not regulate some forms of buy to let and let to buy mortgages.

Sam GSam G
19:29 05 Jul 24
Honor was very helpful & assisted us a first time buyers. Explained everything thoroughly so we could understand and get the best possible outcome.
18:00 10 Jun 24
I can only recommend this broker, Nigel and Honor have massively helped us going through the hoops of securing our mortgage and have advised us in every step of the way to buy our first house.
Charlie PeacheyCharlie Peachey
17:36 07 Jun 24
Honor is extremely helpful and enthusiastic, with a positive attitude that is very uplifting.She’s helped me at every turn of the process and I couldn’t have asked for more. I would highly recommend her.
Reuben LeeReuben Lee
06:43 07 Jun 24
Really lovely people, and helped me along every step of the way to buying my first home. It was far from a smooth ride, with lots of ups and downs, and they really helped me not to give up. Would highly recommend!
Tony MundinTony Mundin
16:23 23 May 24
Great service and very easy to complete! Well done!
James FurnissJames Furniss
16:39 22 May 24
Nigel and the team went to great lengths to make sure the process was quick, easy and relevant to our needs.Thank you again and we will see you in a few years for our renewal.
Georgia WillsonGeorgia Willson
17:43 20 May 24
As first time buyers, Honor couldn't have been more helpful and professional and she made our experience as stress free as possible! She was more than happy to answer any queries we had (which was a lot!) and she always provided us with regular updates during the whole process. Honor always ensured that things got done on time and was always one step ahead.We can't thank and recommend Honor enough! She has really been amazing throughout this whole process and will 100% be using her services again!! XX
Charlotte RichardsonCharlotte Richardson
16:01 23 May 23
Paul did an absolutely fantastic job finding a great mortgage deal for me. My existing mortgage lender couldn’t offer me the full amount required to cover my solo re-mortgage. However, after a few conversations with Paul, he managed to find a lender which was willing to lend me the entire amount required and at a rate which was affordable for me. He was super responsive and the process was completed within the space of a couple of weeks. I’m so grateful for his help and I will now complete at the end of this week. I’d definitely recommend him to anyone looking for a great mortgage deal ⭐️
Connor NixonConnor Nixon
16:25 28 Mar 23
Working with Paul and the team has been a pleasure, great communication and always a friendly service. I would recommend anyone looking for the services that they offer to use them.
Jill FurnevallJill Furnevall
17:06 30 Jan 23
Challenging circumstances made remortgaging a bit of a bumpy road. The High Street alone would never have worked out and it was only using a dedicated mortgage advisor that eventually did the trick. I highly recommend Missing Element. I'll be back 🙂
Chris FearnChris Fearn
09:22 06 Dec 22
Paul has been absolutely brilliant in helping us get our mortgage for our first house, especially in turbulent times. He has been there through to whole process to help us with any queries we have had. 10/10 would recommend!
Laura BowlerLaura Bowler
15:07 29 Nov 22
Fantastic customer service, made the process of switching my mortgage very easy. Paul was great at advising and finding the best deal for what I needed. Would highly recommend & definitely use again.
Gareth MetcalfGareth Metcalf
14:58 30 Aug 22
Nigel and Loraine helped us remortgage our house and took all the stress out of what is currently a difficult time for getting a mortgage. We've used Missing Element for several years and I can't recommend them highly enough.
Tracey JacksonTracey Jackson
22:35 25 Jul 22
I can't praise Paul enough. He was patient with me, even when I was stressing over remortgaging. He was always available to answer my queries, and nothing was too much trouble, and trust me, I had millions of questions. Thanks again. Paul, you are a star, in fact, 5 stars.
Sheena MansellSheena Mansell
13:09 01 Jun 22
Paul from Missing Element has been so supportive throughout the whole process of buying our house. He helped us get another mortgage when our first offer expired, and he has been an absolute superstar, liaising with our conveyancer and building society, in getting the purchase finally exchanged and completed. I'd give him 6 stars if I could!
Ben WinfieldBen Winfield
15:42 11 May 22
Used Paul Neal to re-mortgage my property and get out of my help to buy, made the process so easy, always available to speak to and answered the many queries I had during the process. Would highly recommend!!!
Lotty EatonLotty Eaton
08:10 30 Mar 22
Paul at Missing Element has been very helpful every step of the way of our mortgage application. We are extremely happy with our mortgage outcome and would definitely recommend them to anyone seeking mortgage advice and support. As first time mortgage applicants he has answered all questions and has given invaluable help with the process. Myself and my partner would definitely recommend Missing Element services! Thank you Paul.
Abi MoorcroftAbi Moorcroft
13:14 04 Mar 22
Paul was so helpful and explained everything so it all made sense. He got everything moving faster than we could of expected. Would 100% use him again.
Andrew SpenceAndrew Spence
20:50 25 Nov 21
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 YOU ARE SOME MAN FOR ONE MAN!!!!!