See what our clients say about us…

We were recommended Tina by our local estate agents to help us secure a mortgage as first time buyers and I was very thankful we did.
Due to our current financial and work situation getting a mortgage was not a straight forward task so say the least.
Tina was fantastic and extremely professional throughout. She went above and beyond to help us. She was very clear at communicating what the best options were for us and was extremely knowledgeable in all areas. She allowed us to have confidence in the process that otherwise would have been extremely difficult and worrying.
We also took out life insurance though Tina which also wasn’t straight forward for us and is a real mine field unless you have someone like Tina, who has great knowledge and understanding in this area. She was equally as professional at taking us though this and gave us great peace of mind knowing we had the right cover for us.
I am sure we would not have been able to do it without her onboard to take us through. Tina understands what people need and delivers a highly professional and top class service to her clients.
Thank you Tina for your hard work and I would not hesitate to recommend Tina and the team at Charles Derby Consultancy enough for any mortgage or life insurance needs.

– Brenton N and Jackie R – Hethersett, Norwich.

I hastily took it upon myself to move house, so had to catch up and get all in order.
I was recommended by my Estate Agents to see Tina.
Tina asked me all relevant questions to get a full picture of my future needs and finances, and making sure I was happy and understood.
She was always on hand to help or answer any questions, this is invaluable when the process of moving is stressful enough.
I would certainly recommend or use Tina’s Professional Knowledge and Wisdom for any future move.

– Andrew B – Norwich

I had been with another mortgage advisor for approximately 4 months. The mortgage application was not straight forward and somewhat complicated but twice they drew a blank.

A prominent Estate Agent then recommend Tina at Charles Derby. This is were my fortunes changed.

Tina methodically took all the required financial and property details. At the time it seemed a bit to involved. but the attention to detail at the onset certainly paid dividends, the application sailed through. Tina secured me a mortgage offer with excellent terms within a month of our first meeting. This being even more impressive as this spanned the Christmas period.

I found Tina to be totally dedicated and a true professional.
As the service and communication from the previous advisor had been so poor I was constantly on the phone. Tina was always reassuring and kept me informed throughout.

I cannot recommend Tina highly enough, her attention to detail and personal touch throughout was impeccable.
The added bonus is that she’s an extremely nice person as well.

– Clive G – Norwich

We used Charles Derby Consultancy to buy our first house. Tine had come highly recommended from a good friend, and I must say, I found her and her company to be extremely helpful and professional through the whole process.

I am not in the habit of writing recommendations, but I feel that Tina listened so carefully, and chose a mortgage so very well suited to our needs and desires, and helped us greatly through the whole process. I would recommend her to anybody!

– Jason M – Ely

I used Charles Derby Consultancy to obtain a new mortgage after having to sell the home I jointly owned with my husband.

Without the advise I received from Tina, I believe I would not be in the position that I am in now. Owning a property where I am the sole owner. Thanks to her help and advise she was able to provide me with a mortgage that suited my requirement on the limited budget that I had available.

I found that the Tina and her team were extremely professional, friendly and caring throughout the whole process. I never felt like I was just another client. At all times I was made to feel that I was an important and treat as individual. At all times my requirements were met and it felt that these wrere as important to them as there were to me.

If I am ever in the position that I need to move again and need to obtain a new mortgage. I can 100% say that I would use Tina, her Team and Charles Derby Consultancy again and again.

I would happily recommend them to anyone out there who is looking to buy a property, whether this is as first time buyer, due to change of circumstances or simply because someone is moving for a change or someone considering letting a property for investment purposes.

I would be extremely proud to be a member of Tina’s Team and I hope that in the role I do in my job I able to to provide the customer services and satisfaction that I received from Charles Derby Consultancy. It was excellant!!!

– Clare B – Lowestoft, Suffolk.

We would like to say a massive thanks to Tina and the girls. You have all been fantastic and I would recommend you to anyone. You have made everything go smoothly and have been there every step of the way. Thank you ever so much you are all fab.

– Jenna U – Norwich

I have known Tina for a number of years now and she has always given me honest and reliable advice. Her professionalism and consultative approach were exactly what we needed to make an informed choice for both our mortgage needs and all life/insurance cover needs. When it is advisable to look at the best mortgage solution in today’s changing market arena, I will look forward to hearing Tina’s view on the most optimum mortgage solution to suit my needs.

– Kevin S – Norwich

Tina and the team at Charles Derby Consultancy are friendly, helpful and down to earth. They will give you all the information you need to make your own decisions without being pushy or overwhelming. We have been very happy with the service they provided and the end result was a successful mortgage application in difficult financial times.

– Karen P – Arnfide

Tina Garbutt at Charles Derby Consultancy was recommended to me by a Landlord who I do Plumbing and gas work for on his properties.
I’d previously tried to sort a mortgage out myself by doing a web search and found this very stressful ringing round different companies which I found where not very helpful and didn’t offer me a good deal.
After speaking to Tina, she explained clearly my different options and got me a very good deal with my mortgage.
I was kept fully informed every step of the way and everything ran smoothly from first contacting Tina, right through to completion.
I have every confidence in the service that Charles Derby Consultancy, offer and I would not hesitate to recommend them to anyone in the future.

– James C – Brough

The service we have received from Charles Derby Consultancy has been terrific throughout a fairly drawn-out and complex re-mortgaging. They kept us fully informed at all times and are a delight to deal with. I would have no hesitation in recommending Tina and her team to anyone seeking advice on any aspect of house purchase and letting and we will certainly be returning to Charles Derby Consultancy when the need arises.

– Charles S – Norwich

I was recommended to Charles Derby Consultancy by a business contact. Tina and her team provided me with an excellent service. What I liked was the way that they worked around my schedule, providing regular updates and sufficient information so that I could make an informed decision, without being overwhelmed with data. I was so impressed that I used them again and would definitely recommend them to others looking for a bespoke service.

– Jo K – Norwich

May I thank Charles Derby Consultancy for the time and effort in obtaining the best possible Life insurance policy for myself. I have tried various companies and have not felt they were offering me the cover that best suited my requirements but would be of more benefit to them. What I found so good about your company was the helpfulness and ease of starting my policy, I did not feel pressured into committing to go ahead, but because I was happy with what the policy offered, I decided not to look anywhere else. People are quick to complain but slow to praise and I think you and your company deserve recognition for a good job well done. Once again thank you and I have no hesitation in recommending you to anyone – should I require further services – you will be the only company I will use.

– Carl W – Norwich

I recently used ‘Charles Derby Consultancy’ to arrange funding for a buy-to-let property. I spoke with Tina at some length and she was able to advise me about the mortgages on the market and what would be best for me.
The mortgage application was not straight forward but Tina and her team worked tirelessly to get it processed and accepted for me. They were always on hand for advice and help. I will definitely be using them in future and I would be more than happy to recommend them to anyone else.

– Andrew E – Mildenhall

I would like to recommend Charles Derby Consultancy to any future client. I can honestly say that the service that I received from Charles Derby Norwich and their team was absolutely fantastic, they were always very polite, happy and wonderful to deal with. They were very eager to help me and I know that they really cared about me as a person and would help me with anything that I needed and explained things to me clearly along the way, managing my expectations all the time. They have an excellent knowledge of all the products and the lenders which they use and after taking considerable time with me to understand my needs completely they advised me of the product which best suited my needs, explaining in detail all of the reasons behind why the product was chosen. I felt extremely well informed. I am thrilled with the service which was provided and I would recommend using Charles Derby Consultancy to all of my family and friends.

– Clare H – Norwich

We used Charles Derby Consultancy to find our first buy-to-let mortgage for us. Initially, we were concerned that given the current market conditions and our unfamiliarity with the product, this would be a daunting challenge. However, Tina and her colleagues were extremely professional and friendly in explaining the options and the advantages and disadvantages of each solution to us. Tina did not hesitate to offer us the opportunity to call her in out-of-office hours, should we ever need to discuss any aspect of our transaction with her. We were also comforted by the fact, that after explaining the various steps in the process, Tina and her team kept us fully informed of the progress. In addition, Charles Derby Consultancy also pro-actively advised us on the best form of insurance and protection tailored to our needs and circumstances – such an initiative is very rare to find. In summary, we found Charles Derby Consultancy an extremely professional, pro-active and friendly team that looked after our mortgage application from start to finish and provided suggestions and advice on our insurance needs along the way. We would not hesitate to recommend them to any person looking for a mortgage or insurance product.

– Jiri C – London

I was recommended to ‘Charles Derby Consultancy’ by a colleague. Tina helped me out in every way possible, and both Tina and her team made the process comfortable and efficient. Tina took in mind what I wanted to achieve for my property requirements and obtained the best outcome for me. I would definitely be recommending them as everything went smoothly and the service was brilliant.

– Jonathan S – Middlesex

We would have no hesitation in recommending Charles Derby Consultancy, The staff were both friendly and efficient and provided us with several mortgage and insurance products that resulted in savings of about £400 per month.

– Tony S – Norwich

Thank you ‘Charles Derby Consultancy’ – this is the third time that Tina, and her excellent team, has assisted me with my mortgage requirements and every time they have delivered a highly professional and efficient service from beginning to end! I will be highly recommending Charles Derby Consultancy to anyone I know!

– Nicholas K – Sudbury

I used Charles Derby Consultancy to arrange my life insurance and I was extremely happy with the service I received. Tina and I discussed everything I would need in my policy and she came up with the perfect policy to suit my protection needs and my budget. Charles Derby Consultancy are always happy to help and keep me up to date with the process, they provided me with a friendly, knowledgeable and stress free service and I can’t thank them enough for everything they have done for me. I am very thankful for the service I received.

– Glen S – Norwich

Tina gave me all the up to date information I needed and found the life cover for me personally, her advice was always helpful and constructive.
Tina and her team have always been quick to reply to any of my enquiries. They made everything stress free and simple. It was nice to be kept up to date promptly on what was going on, I didn’t have to worry about a thing. They would always go out of their way to help me when I needed help the most, I don’t think I could of found a better life cover by myself. I felt like I could fully trust them and had no worries what so ever.

– Lisa F – Norwich

Tina and her team gave me brilliant service from start to finish with my mortgage. Both Tina and her team were professional and friendly at all times, and if I ever had an enquiry they were always available to help me. Tina helped me find the mortgage that suited me and my needs. The whole experience was hassle free and we received helpful and clear advice which is exactly what we wanted.
I got updated about my mortgage from start to finish which was great, as I knew exactly how the mortgage was getting on. I would definitely recommend them.

– Sarah C – Norwich

Tina and her team were a pleasure to deal with from start to finish. I wanted my mortgage to be convenient and easy through the whole process and Tina and her team certainly made this happen, I couldn’t have hoped for it to go any better. I look forward to hearing from them and using them again in the future.

– David C – Norwich

I have used Charles Derby Consultancy for my mortgage protection plan, and they achieved everything i asked for and more.
I got lots of good feedback from their professional and friendly staff, who were more than happy to help whenever i rang for advice, which was greatly received.
I will without doubt use Tina and her team again in the future and will recommend Charles Derby Consultancy to anybody who needs some good advice on their future plans.

– Dominic W – Norwich

I would like to offer a huge thank you to Tina and her company for providing me with my new mortgage and general financial advice. They were unstinting in their devotion in obtaining the best outcome for me, whilst keeping me informed at all times as to how things were progressing. I would not hesitate to recommend ‘Charles Derby Consultancy’ to anyone seeking help and advice in these matters. Thank you so much!

– Phil M – Norwich

I originally took out a Life Insurance policy with Tina in 2009, my circumstances have changed which have made me relook at the polices which I hold. Tina was able to change these for me hassle free and even saved me £26.24 on my monthly payments. I could not have asked for a better service than what I received from Charles Derby Consultancy.

– Elizabeth A – Norwich

This is the first time I have used Charles Derby Consultancy and I am incredibly impressed and satisfied with the service and advice that I received. From the moment I first contacted them I found all of the staff very friendly, knowledgeable and professional and they regularly kept me up to date with everything to do with my case. I felt that all of the products were well explained to me and any questions that I had were answered fully. I found that the usual stress and worry of sorting out a mortgage was completely removed through using them and the whole process went very smoothly and I am very grateful for all their help and for everything that they did for me. I would definitely use them again and I will be recommending them to all my family and friends.

– Lucy A – Norwich

I am a Landlord and I have a group of properties which I needed to be covered by Buildings and Contents Insurance. I came to Tina with a breakdown of my properties and she did all the leg work for me. She worked out that it would be better for me to have a block policy to cover them all. She even managed to save me £169.30 per year which I was extremely happy with.

– Elizabeth A – Norwich

I have taken a Protection Policy out with Charles Derby Consultancy. The service I received was friendly, reliable and most importantly knowledgeable. They saved me £56.02 per month. I was always kept up to date every step of the way. Tina and Emma were always happy to answer any questions I had and ensured me of their best intentions at all times. I will be recommending Charles Derby Consultancy to all my friends and family.

– Paul C – Norwich

I have taken a Mortgage and Life Insurance out with Charles Derby Consultancy. The service I received was very personal, efficient, helpful and friendly. The most important thing for me when organizing my mortgage was to feel like everything was running smoothly and that I was kept up to date throughout, I felt it was this way with Charles Derby Consultancy.

– Martin L – Norwich

I have taken my Life and Critical Illness Cover with Tina a while ago. Service was fast and reliable, she was able to advise me what was best for me and explained thoroughly all available options.
My situation has recently changed and I had gone back to Tina to change my policies. Again – impeccable service and the product that suits my needs.
When we will be getting a Mortgage or for any other Insurance needs – we will be using Tina. I would recommend her to anyone who is looking for a reliable, honest and expert service.

– Dalia V – Norwich

We are extremely pleased with the efficient, friendly service provided by Charles Derby Consultancy. Everything was dealt with in a highly professional manner and they made the process from start to finish stress free and hassle free. A complete service if ever you needed one. I would definitely recommend Charles Derby Consultancy and will be using them again in the future.

– Gayle M & Callum R – Norwich

We are very happy with the service we received from Tina Garbutt and her team. As first time buyers we were looking for somebody who could give us clear and useful advice, which is exactly what we got. Communication was friendly and efficient and we felt that we always knew what was going on and how things were progressing. Definitely recommended!

– Jon G & Sarah S – Norwich

I was looking to purchase my first property having had no knowledge of the mortgage industry and the process. They explained everything to me each and every stept of the way. The service I recieved from Tina Garbutt and Emma Cornfield was Friendly, patient and I was kept well informed every step of the way. I could’nt have wanted a better service. I would thoroughly recommend them to any first time buyers. Thank you

– Caine C – Norwich

We were extremely happy with the service which Tina Garbutt and her assistant Emma provided.  They were always happy to answer any questons and were always available to speak to.  By regularly keeping in touch they made the whole process stress-free for us.  Thank you for assisting us to get our mortgage, we are very grateful

– Rebecca D – Hemsby

Charles Derby Consultancy are a very helpful, friendly and efficient service. Tina Garbutt and Emma Cornfield kept us regularly informed and updated, they were always happy to talk to us and responded quickly to queries. We would thoroughly recommend them!

– Clive O – Norwich

I have used Charles Derby Consultancy on several occasions for my Mortgage and Protection needs for my property requirements. Tina and her team have always been extremely professional, friendly and have provided me with the most wonderful service.

After Tina listened to what I was looking to achieve, Tina came up with different solutions to help me with my mortgage and protection needs. They regularly kept me informed of everything that was going on from start to finish and made the whole process stress free. I wanted a company that I could trust and rely on, after dealing with Charles Derby Consultancy, I could genuinely not recommended any company higher. I would recommend them to all my family and friends (and indeed have) and will defiantly be using them in the future.

– Nigel M – Kings Lynn

Tina Garbutt and Emma Cornfield were absolutely great. I felt very positive about the whole thing, Emma kept me in the loop at each stage throughout the whole process and she also applied pressure on her side of things when needed, I felt I never had to call up and chase anything as everything was already done. I would highly recommend Charles Derby Consultancy.

– Mehul P – London

I was always kept up to date on everything. The service was fantastic, brilliant! Tina and her team were so helpful and on the ball, I felt at ease from start to finish as I was always kept up to date on everything that was going on, Even when my mortgage had completed the team at Charles Derby Consultancy were still happy to help with any queries I had.

– Karl D – Ipswich

Really pleased with the top class service we received from Charles Derby Consultancy. Tina has dealt with six buy to let mortgages, which were complex, and is always at the end of the phone evenings, weekends (including Sundays) along with normal working hours. Tina is extremely helpful and very knowledgeable on issues surrounding her profession. I would highly recommend her and indeed have done to many friends and family who have now used her services and have been just as pleased with her services as I have.

– Leila H – London

We were looking for a local Mortgage Advisor in Norwich and we felt we came to somebody with in-depth knowledge, who offered us things which we had never been offered previously and now feel confident that if anything happens to either my wife or myself, our financial affairs are taken care of. This is thanks to the team at Charles Derby Consultancy.

– Steve D – Norwich

“Very Pleased with the courteous service, the speed of transaction and very happy with Tina. Would highly recommend Charles Derby Consultancy.”

– Elizabth K – Suffolk

We have used Charles Derby Consultancy on a few occasions now, and would do so again. Tina Volunteered to come to our home, always keeps in touch and is interested in what we have to say. Tina is always pleasant, helpful and very down to earth and straight to the point – she doesn’t use jargon!

– Norman P – Norwich