Buying a new home is an exciting time, and it should be as stress-free as possible. Option Finance recommends the best mortgage deals available to you based on your personal circumstances, and helps you make a swift transition without the hassle.
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Start your mortgage journey
- Find out how much you could borrow
- Get advice on available deals
- Speak to an experienced broker
- Get a Decision in Principle
Find a mortgage
No impact on your credit score
Get the best mortgage deal you can when moving home
Ready to make your move? Apply directly with Option Finance today and let us handle the heavy lifting. Our team of mortgage experts is here to provide you with the support and expertise you need for a stress-free move and a seamless mortgage experience.
100+ 5 Star Reviews
We’ve helped hundreds get great mortgage deals.
Over the years, Option Finance has helped countless people, just like you, get great mortgage deals. As a specialist mortgage brokerage, we match lenders to our clients based on their personal circumstances. Our job is to make the process as smooth as possible and find the best mortgage and insurance deal available for you.
Get a great deal in 3 simple steps
Let’s get you started in finding a great mortgage deal.
1. Enter some details
Use our online form to tell us a little bit about yourself, the kind of property you want and your current financial situation.
2. Discover your options
Discover what mortgage deals are currently available to you as a home mover. We can advise you on your best options here.
3. We’ll do the rest
Our team will guide you through the process of getting the best deal and make your moving experience a good one.
Frequently asked questions
All of the most common first time buyer questions, answered by our expert team of mortgage brokers.
Can you help me if I have poor credit?
Yes. Option Finance specialises in helping people with adverse credit get mortgages. Find out more here.
Can you help me get a mortgage if I'm self-employed?
Yes, there are plenty of mortgage deals out there that are available to self employed individuals or couples. Talk to us directly if you’d like to know more.
How much can I borrow for a mortgage?
The amount you can borrow depends on your income, credit score, and financial situation. Lenders typically offer 4 to 4.5 times your annual income, but this can vary.
What is a mortgage agreement in principle (AIP)?
A mortgage agreement in principle is a written estimate from a lender stating how much they might be willing to lend you. It helps show sellers you are serious and can afford the property.
What are the main costs associated with buying a home?
Besides the deposit, you’ll need to budget for mortgage arrangement fees, valuation fees, survey costs, legal fees, removal costs, and potentially Stamp Duty Land Tax.
Important information
You may have to pay an early repayment charge to your existing lender if you remortgage. Your savings will depend on personal circumstances. Your home may be repossessed if you do not keep up repayments on your mortgage. Option Finance Ltd is an Appointed Representative of Finance Advice Group Ltd, which is authorised and regulated by the Financial Conduct Authority under number 788478 in respect of mortgage, insurance and consumer credit mediation activities only. The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.
Email: info@optionfinance.co.uk | Telephone: 01332 470400 | Open Monday - Friday
Option Finance Ltd Company no. 10906532 Registered at 119a Friar Gate, Derby, England, DE1 1EX
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