Mortgages for cases that don't fit the standard box.
Self-employed, adverse credit, portfolio landlords, limited company and commercial, plus straightforward purchases and remortgages. Free initial consultation from a named adviser.
Client feedback
90+ lenders
High-street and specialist
10+ years
Mortgage experience
Free initial consultation
No obligation
Start here
What are you looking to do?
Choose the route that best describes what you need. Not sure which option fits? Speak to our team and we'll help you find the right place to start.
First-Time Buyer
Buying your first home? Understand your budget, options and next steps.
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Moving Home
Planning your next move? Get clear on your borrowing options before you offer.
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Remortgage
Your current deal ending? Explore your options early and plan your next move.
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Buy-to-Let
Starting or growing a portfolio? Explore the right mortgage route for your plans.
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Self-Employed
Company director, sole trader, contractor or CIS? We understand different lender criteria.
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Adverse Credit
CCJs, defaults or missed payments? We can look beyond a simple credit score.
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Commercial Mortgages
Business premises, commercial property or investment? Speak to our specialist team.
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Bridging & Development Finance
Short-term finance, property development or a time-sensitive purchase? Let’s discuss the route.
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How Option Finance works
A clear route from your first conversation to your mortgage application and beyond.
Tell us what you need
Share your plans, budget and circumstances with one of our advisers. Your initial conversation is free.
We find suitable options
We assess your circumstances, explore our lender panel and explain our recommendation in plain English.
We guide you to completion
We support your application, keep you informed and help you through the process to completion.
A broad lender panel
High-street and specialist options.
We compare suitable options from high-street and specialist lenders.
Lender availability and eligibility depend on your circumstances and lender criteria.
Free tools
Get a clearer picture before you apply.
Quick calculations to help you understand your numbers before you speak to an adviser.
Client feedback
Advice that starts with your circumstances.
Find us on Google“Absolutely fantastic. Davi was great fabulous. Made the whole remortgage a breeze. Would never use anyone else again.”
Real people
Meet the people behind your mortgage.
Get to know the people who help you explore mortgage options, manage your application and stay informed from start to finish.
Questions
Mortgage questions, answered.
Why use a mortgage broker? +
Can you help if my circumstances are complicated? +
How much deposit do I need? +
Do I have to pay to speak to you? +
Helpful mortgage guidance
A clearer answer before your next step.
Our guides explain common mortgage questions in plain English. Start with your circumstances, then speak to us for advice tailored to you.
Browse our mortgage guidesSelf-employed mortgages
Can you get a mortgage with one year's accounts?
Understand trading history, income evidence and the next steps worth discussing with an adviser.
Read the guide →Ready when you are
Let's work out your mortgage options.
Tell us a little about what you're looking to do. Your initial conversation is free and there is no obligation to proceed.
Get matched
Tell us what you need.
Answer a few questions and our team will contact you to discuss your options during business hours. This is an enquiry, not a mortgage application.
Your initial consultation is free. We will explain any broker fee before you decide to proceed.