Mortgage advice for first-time buyers, home movers, remortgages, landlords, self-employed borrowers and complex circumstances.
The mortgage broker that doesn't fit the mould.
90+
Lenders Searched
100+
Independent Reviews
Free
Initial Consultation
FCA
Regulated
We search deals from over 90 lenders including
Our Services
Whatever your situation, we've seen it before and solved it.
First-Time Buyers
Get on the property ladder with expert guidance. We help first-time buyers find the best mortgage deals, navigate Help to Buy, and understand the entire process.
Learn MoreRemortgages
Switch to a better deal and save money. We search across our broad lender panel for remortgage options that could reduce costs, release equity, or consolidate eligible debts.
Learn MoreBuy-to-Let
Finance your investment property. We specialise in buy-to-let mortgages for new and experienced landlords, including limited company and portfolio lending.
Learn MoreMoving Home
Make your move seamless. Whether upsizing, downsizing, or relocating, we handle your mortgage so you can focus on finding your perfect home.
Learn MoreAdverse Credit
Bad credit doesn't mean no mortgage. We work with specialist lenders who look beyond your credit score — CCJs, defaults, IVAs, missed payments — assessing your full picture, not just a number.
Learn MoreSelf-Employed
Specialist mortgages for self-employed borrowers. We understand the challenges and know which lenders offer the best terms for contractors and business owners.
Learn MoreCommercial Mortgages
Finance for commercial property, mixed-use buildings, and business premises. We arrange deals for owner-occupiers and investors across all sectors.
Learn MoreBridging Finance
Fast, flexible short-term finance to bridge the gap — buy before you sell, purchase at auction, or fund a refurbishment. We arrange bridging alongside your onward mortgage.
Learn MoreLimited Company
Mortgages for limited company directors and SPV landlords. We know which lenders assess salary, dividends, and retained profits — and how to maximise what your structure can borrow.
Learn MoreWhy Option Finance
Mortgage advice built around your circumstances
The right mortgage depends on far more than the headline rate. We combine access to more than 90 lenders with hands-on advice for straightforward and complex cases, then stay involved through to completion.
Traditional Broker
Limited lender panel
Many brokers are tied to a small group of preferred lenders, which means they're not always finding you the best deal — they're finding the best deal from their list.
Option Finance
More than 90 lenders searched.
We search across a broad panel of more than 90 lenders, including high street banks and specialist lenders, to identify options that fit your circumstances.
Traditional Broker
Complex circumstances need specialist knowledge
Self-employed income, adverse credit, portfolio lending and multiple income streams can all change which lenders may be suitable.
Option Finance
Complex cases are our speciality.
Self-employed, adverse credit, portfolio landlords, limited company structures, complex income — these aren't problems we refer out. They're what we do every day. We know which lenders say yes when others say no.
Traditional Broker
Fees before they've done anything
Some brokers charge upfront admin fees before they've done anything, and bury other charges in the small print. You often don't know what you're paying until you're already committed.
Option Finance
Free initial advice. Our fees, explained upfront.
Your initial consultation is completely free — no charge to speak to us and understand your options. A broker fee applies at application stage, and we explain exactly what that is before you commit to anything. No hidden charges. No small print surprises.
Traditional Broker
A mortgage application has a lot of moving parts
Applications can involve lenders, valuers, solicitors and estate agents, so clear communication matters throughout the process.
Option Finance
Fast, proactive, and with you to completion.
We manage the whole process and keep you updated at every stage. You won't need to chase us. We chase the lenders, coordinate with solicitors, and don't stop until you've got your keys.
Ready to see the difference?
Free Tools
Mortgage calculators
Use our calculators for an initial estimate, then speak to an adviser for a personalised assessment based on your circumstances.
Simple Process
How it works
From first call to completion — we handle everything so you don't have to.
Free Consultation
Tell us about your situation. We'll discuss your goals and circumstances — no obligation, no fees.
Market Search
We search across more than 90 lenders to identify suitable mortgage options for your circumstances.
Expert Recommendation
We present the best options, explain the pros and cons, and recommend the right mortgage. No pressure.
Completion
We manage the whole application — chasing lenders, coordinating with solicitors, and keeping you updated every step. You focus on the move. We handle the mortgage.
Your circumstances matter
Not sure which mortgage route fits?
Tell us about your income, deposit, credit history and plans. An adviser can explain which lenders and mortgage routes may be worth considering.
Independent Reviews
See what our customers say about Option Finance
Rather than reproducing unverified testimonials, we link you directly to our independent review profile so you can read current feedback for yourself.
Trustpilot
100+
customer reviews
Review totals and ratings can change. Follow the link to Trustpilot for the current rating, review count and latest customer feedback.
Our Experts
Meet the team
Our CeMAP-qualified advisers are ready to find the right mortgage for your circumstances.
Common Questions
Mortgage questions
How do I qualify for a mortgage?
How much deposit do I need?
What types of mortgages do you offer?
What's the current mortgage rate?
Do I need to pay for your advice?
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Takes less than 2 minutes. No obligation, free initial advice.
Get free mortgage advice today
No obligation, free initial advice. Speak to our expert team and find out how much you could save.