About Us
Nearly a decade of getting mortgages done. Especially the difficult ones.
Option Finance is an FCA-regulated, whole-of-market mortgage broker based in Derby, serving clients across the UK. From first-time buyers to portfolio landlords, complex income to adverse credit, we find a way when others can't.
Whole
Of market
High-street and specialist lenders
£499
Fees from
Confirmed before you proceed
FCA
Appointed Representative
Of Finance Advice Group Ltd. FCA No. 788478
Free
Initial Advice
No obligation to proceed
Our story
Option Finance was built on a frustration: too many people were being turned away by banks, given the wrong advice, or simply left to figure it out alone. We started with a different approach: whole-of-market access, genuine expertise, and the willingness to take on cases others wouldn't touch. Too many people are paying more than they need to on their mortgage, or struggling to navigate a complex application process on their own. See how our process works and read our client case studies to learn more.
As a whole-of-market broker, we have access to thousands of mortgage deals from high street banks through to specialist lenders. This means we can find the right mortgage for virtually any situation, whether you're a first-time buyer, remortgaging, investing in buy-to-let, or dealing with more complex circumstances.
Why choose Option Finance?
- FCA regulated: we're an appointed representative of Finance Advice Group Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA Ref: 788478), giving you confidence that our advice meets the highest standards
- Whole of market: we're not tied to any single lender, so we search the entire market to find the right deal for you
- Free initial advice: your initial advice is free with no obligation to proceed, and we explain our transparent fees clearly before you commit
- Qualified advisers: our team holds CeMAP and other professional qualifications
- Personal service: we're based in Derby but work with clients across the UK. Every client gets a dedicated adviser who stays with them from first call to completion.
Ready to get started?
Apply now for free, no-obligation mortgage advice from our team of qualified advisers.
Our values
Honesty
We give straightforward advice, even when it's not what you want to hear.
Transparency
No hidden fees, no surprises, and clear communication throughout.
Expertise
We continuously develop our knowledge to serve you better.
Accessibility
Everyone deserves expert mortgage advice, regardless of their credit history, employment type, or income structure. No case is too complex.
Our Team
Meet our CeMAP-qualified advisers
Every member of our team is professionally qualified and committed to finding you the right mortgage.
Davi Thakar
Director & Senior Mortgage Broker
CeMAP
Davi founded Option Finance with a vision to deliver transparent mortgage advice from a wide panel of lenders. With over 10 years in financial services, he specialises in complex cases including adverse credit, self-employed borrowers with limited trading history, and large buy-to-let portfolios. He also advises on protection, including life insurance, critical illness cover, income protection and business protection, so clients' cover matches their mortgage. He works directly on complex cases and explains each option clearly.
View profile
Benjamin Kistell
Mortgage and Protection Specialist
CeMAP, CeRER, DipFA
Benjamin manages mortgage applications from start to finish, ensuring every piece of documentation is in order and deadlines are met. His meticulous attention to detail and proactive communication style mean clients are always kept informed throughout the process. He handles the day-to-day coordination between clients, lenders, and solicitors to keep everything on track.
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Sukhvinder Tamber
Specialist Mortgage & Protection Adviser
CeMAP, Cert CII
Sukhvinder, known as Suki, has supported over 200 first-time buyers onto the property ladder, maintaining a 95%+ referral rate that speaks to the quality of her advice. She specialises in first-time buyers, buy-to-let, remortgaging, and adverse credit cases. Her dedication was demonstrated when she saved a couple's home purchase after their mortgage offer was withdrawn just 48 hours before exchange, finding a new lender and completing within the deadline.
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Ruby Chambers
Mortgage Case Manager
Ruby is the backbone of our operations, managing mortgage applications and documentation behind the scenes to ensure everything runs smoothly. She coordinates between clients, lenders, and solicitors, handling the administrative detail that keeps cases moving forward efficiently. Her organisational skills and reliability are key to the team's ability to deliver a seamless service.
View profile
Speak to one of our experts today
Call us directly or apply online for free, no-obligation mortgage advice.
Client Reviews
What our clients say
"Davi and the team made the whole process so easy. As a first-time buyer I was nervous, but they explained everything clearly and found me a brilliant rate. Couldn't recommend them enough."
Sarah T.
First-time buyer, Derby
"We remortgaged through Option Finance and saved over £200 per month. Benjamin was incredibly thorough and handled everything with our solicitor. Highly professional service."
James & Emma R.
Remortgage, Allestree
"We had exhausted all other avenues in order to get a new mortgage."
Mohammad and Aminah
25 November 2020, Trustpilot
Our Services
Expert advice across every mortgage type
First-time buyer mortgages
Get on the ladder with expert help
Remortgages
Switch to a better deal and save
Buy-to-let mortgages
Investment property finance
Moving home mortgages
Upsize, downsize, or relocate
Adverse credit mortgages
Solutions for all credit situations
Self-employed mortgages
Specialist advice for business owners
Commercial mortgages
Business and investment property
How we are regulated
Option Finance Ltd is an appointed representative of Finance Advice Group Ltd, which is authorised and regulated by the Financial Conduct Authority. Our FCA reference number is 788478. You can verify our registration on the FCA Register.
Regulated & Accredited
Appointed Representative
Of Finance Advice Group Ltd, authorised and regulated by the FCA
FCA No. 788478
CeMAP Qualified
Certificate in Mortgage
Advice & Practice
Whole of Market
Whole-of-market access
Data Protection
ICO Registered
Data Protection Act 2018
Professional Indemnity
Fully Insured
Professional indemnity cover
Get Started Today
Don't delay. Mortgage rates change daily
Contact us for free, no-obligation advice. Our team is ready to help you find the perfect mortgage.