# THRIVE. (Advice Ltd) – Derby

Thrive is a Derby-based mortgage and insurance advice agency founded by award-winning advisers Hayley and James. They specialise in helping clients navigate mortgage decisions and protection planning with clarity and confidence.

On the mortgage side, Thrive handles everything from first-time buyer mortgages to remortgaging, buy-to-let investments, and switching rates. They have particular expertise supporting self-employed clients and those using government schemes like Help to Buy. Rather than leaving clients overwhelmed, Hayley and James explain options in plain language and manage the entire process on their behalf.

Their insurance and protection services extend beyond standard policies to encompassing life insurance, critical illness cover, income protection, family cover, mortgage protection, business protection and insurance trusts. The philosophy is straightforward: ensure the people and things that matter most are protected against life's uncertainties.

What sets Thrive apart is their lifestyle-led approach. They've been nationally recognised—including a Rising Star award at the 2024 COVER Excellence Awards and a Women's Recognition Awards 2025 finalist nomination for Protection Adviser of the Year. Client reviews consistently highlight their efficiency, approachability and ability to transform what's typically a stressful process into something manageable and straightforward. They emphasise being kind, honest and genuinely accessible, treating financial advice not as something to fear but as empowering guidance tailored to individual circumstances.