PAD Financial (Peak District Business Hub) offers independent, whole-of-market mortgage advice with access to thousands of products. Their CeMAP-qualified advisers specialise in first-time buyer, remortgage, buy-to-let, capital raising, home mover and specialist mortgages and provide straightforward, honest advice with no hidden costs. They welcome enquiries from first-time buyers to experienced property investors and aim to provide personalised solutions Contact: Alpha House, 10 Carver Street, Sheffield S1 4FS; phone 0114 324 0045; email info@padfinancial.co.uk.