Davi Thakar
Director & Senior Mortgage Broker
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.
Specialisms
Articles by Davi Thakar
22 October 2026
Buildings and Contents Insurance: What Homeowners Need to Know
Buildings and contents insurance explained: when your lender needs it, how to set the right rebuild cost and how to avoid being underinsured when you claim.
22 October 2026
Critical Illness Cover: A Clear UK Guide for 2026
Critical illness cover explained: what it pays for, the ABI minimum standards, how definitions work and why claims fail, so you can choose cover that pays out.
22 October 2026
Decreasing Term Life Insurance: Mortgage Life Cover Explained
Decreasing term life insurance explained: mortgage life cover that falls with your repayment mortgage, so your home is paid off if you die. Avoid common gaps.
22 October 2026
Family Income Benefit Explained: A UK Guide
Family income benefit explained: life cover that pays your family a monthly income if you die, often for less than a lump sum policy. See how it compares.
22 October 2026
Income Protection Insurance: How It Works and What to Choose
Income protection insurance explained: how it pays a monthly income if you cannot work, what sick pay really covers and how to choose the right policy for you.
22 October 2026
Key Person Insurance: Protecting Your Business From Losing Someone Vital
Key person insurance explained: who counts, how to value cover, how HMRC taxes premiums and payouts, and how it keeps your business going after a loss.
22 October 2026
Level Term Life Insurance Explained: A UK Guide
Level term life insurance explained: a fixed lump sum if you die during the term, so your family can clear debts and keep living. See how to choose the cover.
22 October 2026
Life Insurance for Company Directors: Relevant Life Cover Explained
Life insurance for limited company directors explained: how relevant life cover lets your company pay, the HMRC conditions, the trust and what it can save you.
22 October 2026
Shareholder Protection Insurance: Keeping Control When an Owner Dies
Shareholder protection insurance explained: how it funds a share purchase when an owner dies, the agreement you need and how to protect business relief.
22 October 2026
The Ultimate UK Protection Insurance Guide 2026
Protection insurance explained: life cover, critical illness, income protection and business cover, how much you need, what affects the cost and how claims pay.
22 October 2026
Whole of Life Insurance Explained: A UK Guide
Whole of life insurance explained: cover that pays out whenever you die, to help with funeral costs or an inheritance tax bill. See how trusts help.
1 February 2026
Buy-to-Let Tax Changes 2026: What Landlords Need to Know
Buy-to-let tax after the October 2026 Budget: property income taxed at 24%, 44% and 49% from April 2027, interest relief, Stamp Duty, CGT, dividends, Making Tax Digital and holiday lets.
20 January 2026
Debt Consolidation and Getting a Mortgage
What debt consolidation is, the main ways to do it, and how each one affects a mortgage application: loans, balance transfers, DMPs and remortgaging.
16 January 2026
Self-Employed Mortgage Guide 2026: Income, Accounts & Lenders
Self-employed? See how UK lenders assess your income, which accounts and tax documents you need, deposit options and steps to prepare for a mortgage.
15 January 2026
First-Time Buyer Deposit: How Much Do You Need?
How much deposit do first-time buyers need? Compare 5%, 10% and 20% deposits, gifted deposits, Lifetime ISAs and buying costs.
15 January 2026
The Ultimate UK Buy-to-Let Mortgage Guide 2026
Buy-to-let mortgage advice from a whole-of-market broker: deposits, rental tests, limited company or personal, tax and HMOs. Free initial consultation.
15 January 2026
The Ultimate UK Commercial Mortgage Guide 2026
How commercial mortgages work in 2026: typical deposits, how lenders assess trading and rent, rates, costs and timescales. Speak to a commercial broker free.
15 January 2026
First-Time Buyer Mortgage Guide 2026: Step by Step
Buying your first home in 2026? Deposits, how much you can borrow, schemes, Stamp Duty and every step to completion, from a CeMAP-qualified adviser.
15 January 2026
The Ultimate UK Home Mover Mortgage Guide 2026
Moving home with a mortgage? Whether to port or take a new deal, borrowing more, early repayment charges, Stamp Duty and buying before you sell.
15 January 2026
How to Remortgage: UK Remortgage Guide 2026
Fixed rate ending? Compare a product transfer with a new lender, check fees and ERCs and follow each remortgage step. Written by a CeMAP adviser.
10 January 2026
When Should You Remortgage? UK Timing Guide 2026
When should you remortgage in 2026? See the six-month timeline, offer validity, early repayment charges, lender checks and when to switch your mortgage.
5 January 2026
Today's Mortgage Rates: UK Market Update October 2026
Current UK mortgage rates for October 2026: average 2 and 5-year fixes, Bank Rate, and what it means if you are buying or remortgaging. Free broker advice.
18 December 2025
Can I Get a Mortgage After Using Payday Loans?
Do payday loans affect a mortgage application? Why lenders worry about them even if repaid on time, how long to wait, and which lenders may still consider you.
10 December 2025
Development Finance: How It Works
Development finance explained by a broker: staged drawdowns, loan to cost and GDV, what lenders need, experience, costs, mezzanine funding and exit plans.
5 December 2025
Stamp Duty Explained 2026: Rates, Reliefs and Worked Examples
Stamp Duty in England and Northern Ireland explained: current rates, first-time buyer relief, the 5% surcharge, refunds and worked examples at £350,000.
3 December 2025
Offset Buy-to-Let Mortgages
How an offset buy-to-let mortgage uses your savings to cut the interest you pay, the tax angle for landlords, when it beats overpaying and the drawbacks.
28 November 2025
What Is a First-Time Buyer? UK Guide 2026
Are you a first-time buyer? How HMRC, lenders and schemes define it, including inherited, overseas and jointly owned property, plus 2026 Stamp Duty relief.
25 November 2025
Getting a Mortgage After a Repossession
Can you get a mortgage after a repossession? How long lenders want you to wait, the deposit needed, shortfall debts, voluntary repossession and rebuilding.
12 November 2025
Regulated Buy-to-Let Mortgages: Letting to Family
Letting to a family member? Find out when a buy-to-let becomes regulated, how lenders assess it and what it costs. Free advice from a specialist broker.
8 November 2025
Bridging Loans: The Complete UK Guide
Bridging loans explained by a broker: how they work, costs and fees, regulated or unregulated, how much you can borrow, exit plans and when to use one.
2 November 2025
Getting a Mortgage on Your Own
Buying a home on your own: how much you could borrow on one income, which income lenders count, deposit options, schemes and family help for single buyers.
30 October 2025
Mortgages on a Temporary or Fixed-Term Contract
Can you get a mortgage on a temporary, fixed-term, agency or zero-hours contract? What lenders look for, the history they want and how income is worked out.
20 October 2025
Shared Ownership Mortgages: Complete Guide
How Shared Ownership works in 2026: eligibility, deposits on your share, rent, a worked monthly cost example, staircasing, Stamp Duty, selling and mortgages.
10 October 2025
Pub Mortgages: How to Finance a Freehold Pub
Pub mortgages explained by a broker: freehold and free of tie pubs, what lenders check, wet and dry sales, licences, deposits, valuation and Stamp Duty.
8 October 2025
Mortgage Early Repayment Charges: Is It Worth Paying to Remortgage?
Learn how mortgage early repayment charges work, calculate an ERC and compare switching now with waiting. UK guide reviewed by a CeMAP mortgage adviser.
5 October 2025
Self-Build Mortgages: Complete Guide 2026
Self-build mortgages explained by a broker: arrears vs advance stage payments, build stages, deposits, planning, warranties, VAT refunds and refinancing.
1 October 2025
Portfolio Landlord Mortgages: How Lenders Assess You
Portfolio landlord mortgages: the four-property rule, what lenders assess across your portfolio, documents, stress tests and growing a portfolio.
22 September 2025
Mortgages for Complex and Multiple Incomes
Several jobs, businesses, dividends, rental or foreign income? How lenders combine complex income, what they count and how to get the most of it accepted.
12 September 2025
Right to Buy Mortgages: 2026 Guide
Getting a Right to Buy mortgage in 2026: current discounts, eligibility, how lenders treat your discount as a deposit and the steps to apply. Free broker advice.
10 September 2025
Joint Mortgage When One Applicant Has Bad Credit
Applying for a joint mortgage when one of you has bad credit? How lenders assess both files, financial associations, buying in one name and your options.
5 September 2025
Holiday Let Mortgages: How They Work in 2026
Holiday let mortgages in 2026: how lenders assess holiday income, deposits, personal use, the end of the holiday let tax regime and business rates.
5 September 2025
Semi-Commercial Mortgages: Shops With Flats and Mixed-Use Property
Buying a shop with a flat above? How lenders assess both incomes, deposits, when it is regulated and the Stamp Duty rates. Free advice from a specialist broker.
2 September 2025
Refurbishment Finance: Light and Heavy Refurbishment Explained
Refurbishment finance explained by a broker: light and heavy refurbishment, funding the works, unmortgageable properties, costs and refinancing once finished.
28 August 2025
Remortgaging When Self-Employed: How It Works
Remortgaging when self-employed: how lenders assess your income, the documents you need, product transfer vs new lender, timing and borrowing more.
18 August 2025
Self-Employed Mortgage With No Accounts: Your Options
Newly self-employed with no accounts yet? The routes that can work, from contractor and CIS lending to filing early, joint applications and product transfers.
15 August 2025
Right to Acquire Mortgages: 2026 Guide
Right to Acquire explained: which housing association tenants qualify, the £9,000 to £16,000 discount, mortgages, selling rules and Right to Buy compared.
10 August 2025
Limited Company Buy-to-Let Mortgages
Limited company buy-to-let mortgages explained: SPVs, how lenders assess them, personal guarantees, rental cover, tax pros and cons and moving property.
8 August 2025
Land Mortgages: How to Finance Farmland, Paddocks and Development Land
Land mortgages explained by a broker: farmland, paddocks and development land, deposits, planning permission, bridging, valuation and Stamp Duty on land.
5 August 2025
Remortgage vs Product Transfer: Which Is Better in 2026?
Remortgage vs product transfer in 2026: compare costs, lender checks and when staying or switching may suit you. Written by a CeMAP adviser.
2 August 2025
Getting a Mortgage With a Debt Management Plan
Can you get a mortgage on or after a debt management plan? How lenders view active and completed DMPs, what they check, deposits and the steps that help.
1 August 2025
New Build Mortgages: A Complete Guide
Buying a new build? Deposits for houses and flats, developer incentives, off-plan offer expiry, Deposit Unlock and what to check before you reserve.
20 July 2025
Self-Employed Bad Credit Mortgages: Your Options
Self-employed with bad credit? How lenders weigh defaults, CCJs and missed payments against your accounts, the deposit you need and how to improve your odds.
18 July 2025
Gifted Deposit Mortgages: How They Work
Using a gifted deposit: who can gift, the gift letter and evidence lenders need, inheritance tax rules, gifted equity, gifts from abroad and pitfalls.
15 July 2025
Interest-Only Buy-to-Let Mortgages
See what an interest-only buy-to-let costs each month, with a worked example against repayment, plus how to plan for repaying the loan at the end.
10 July 2025
Remortgage to Consolidate Debt: Is It a Good Idea?
Can you remortgage to consolidate debt? Compare monthly payments, total interest, eligibility, fees, risks and alternatives with a worked UK example.
8 July 2025
Getting a Mortgage With a CCJ
Can you get a mortgage with a CCJ? How lenders judge its age, size and whether it is satisfied, what deposit you may need, and how to settle or challenge one.
7 July 2025
Contractor Mortgages: Income, Documents and Lender Requirements
A practical UK guide to contractor mortgages, covering day rates, umbrella pay, IR35, contract gaps, deposits, documents and the application process.
7 July 2025
Mortgages for Limited Company Directors: The Complete Guide
How lenders assess salary, dividends and company profit, with practical guidance on accounts, deposits, credit, documents and mortgage applications.
5 July 2025
Leasehold Mortgages: Lease Length, Ground Rent and Reform
What lease length lenders accept in 2026, why short leases cause problems, marriage value, ground rent, service charges and which reforms are in force.
1 July 2025
Hotel Mortgages: How Hotel Finance Works
Hotel mortgages explained by a broker: what lenders check, occupancy and room rates, seasonality, deposits, valuation, Stamp Duty and refinancing a hotel.
28 June 2025
HMO Mortgages: A Guide for Landlords
HMO mortgages explained: what counts as an HMO, licensing, how lenders value and assess them, deposits, experience rules and converting a house.
22 June 2025
How Much Deposit Do You Need for a Mortgage?
Mortgage deposits explained for every buyer: home movers, buy-to-let, new builds, self-employed and credit issues. How deposit size changes your rate and costs.
18 June 2025
Remortgaging a Shared Ownership Home
Remortgaging a shared ownership home: finding a lender, housing association consent, staircasing to a bigger share, costs and when you can release equity.
15 June 2025
Mortgages After Missed or Late Payments
Can you get a mortgage with missed or late payments? How lenders view arrears markers, how recent is too recent, mortgage arrears and how to improve your file.
12 June 2025
Can You Get a Mortgage With One Year's Accounts?
Mortgage with one year's accounts? Read lender criteria, income evidence and a genuine completed high-street mortgage case.
8 June 2025
Mortgages After Bankruptcy: Discharged Bankrupts
Can you get a mortgage after bankruptcy? When lenders consider discharged bankrupts, the deposit you may need, what to disclose and how to rebuild credit.
5 June 2025
Commercial Buy-to-Let Mortgages: Letting Property to Businesses
Commercial buy-to-let mortgages explained by a broker: how lenders judge the tenant and lease, deposits, rental cover, valuation by yield, VAT and Stamp Duty.
2 June 2025
Auction Finance: How to Fund a Property Bought at Auction
Auction finance explained by a broker: the 28-day deadline, traditional and modern auctions, bridging for auction purchases, legal pack checks and refinancing.
30 May 2025
Remortgage to Buy a Second Home: How It Works
Can you remortgage to buy a second home? How releasing equity works, how much you could raise, affordability, the higher Stamp Duty rates and the alternatives.
28 May 2025
Help to Buy Equity Loan: Repay, Remortgage or Sell
Have a Help to Buy equity loan? How the interest works, how to repay it, remortgaging and selling, plus what replaced Help to Buy for new buyers.
20 May 2025
Getting a Mortgage After an IVA
Can you get a mortgage during or after an IVA? When lenders will consider you, the deposit you may need, remortgaging in an IVA and how to rebuild your credit.
12 May 2025
Let to Buy Mortgages 2026: How Keeping Your Home to Let Works
Keeping your home to let and buying another? Consent to let, remortgaging to release a deposit, the new mortgage, the 5% Stamp Duty surcharge and tax.
10 May 2025
Repayment Buy-to-Let Mortgages
Should your buy-to-let be repayment or interest-only? Compare monthly cost, cash flow, equity and tax, and see how lenders assess repayment buy-to-let.
5 May 2025
Commercial Second Charge Loans: Raising Money Without Remortgaging
Commercial second charge loans explained by a broker: raising money without remortgaging, lender consent, how much you can borrow, costs and when to use one.
2 May 2025
Guarantor Mortgages for First-Time Buyers
How guarantor mortgages work for first-time buyers, who can be a guarantor, the risks to your family, and alternatives such as joint borrower sole proprietor.
20 April 2025
Buy-to-Let Remortgage: Rates, Equity and Rental Tests
Remortgaging a buy-to-let: product transfer vs new lender, how the rental test limits equity release, timing, costs and limited company options.
18 April 2025
Joint Borrower Sole Proprietor Mortgages Explained
How joint borrower sole proprietor mortgages let parents boost your borrowing without owning the home: lender rules, Stamp Duty, risks and how to exit.
15 April 2025
Mortgaging a Home You Own Outright
Own your home outright and want to raise money against it? How it works, what lenders check, the costs and the options if you are nearing retirement.
10 April 2025
Care Home Mortgages: How to Buy or Refinance a Care Home
Care home mortgages explained by a broker: what lenders check, CQC ratings, occupancy, deposits, valuation, costs and how to refinance or expand.
5 April 2025
First-Time Buyer Schemes 2026: Every Scheme Explained
Every first-time buyer scheme for 2026: Lifetime ISA, Shared Ownership, First Homes, Rent to Buy, 95% mortgages, Wales and Scotland, and what has closed.
2 April 2025
Buy-to-Let Mortgages With Bad Credit
Can you get a buy-to-let mortgage with bad credit? How lenders view defaults, CCJs and missed payments, deposits, rates and limited company options.
28 March 2025
How to Remortgage a Commercial Property
How to remortgage a commercial property: when to start, raising capital, early repayment charges, what lenders check, documents, timescales and costs.
22 March 2025
Capital Gains Tax on Property: Landlord Guide 2026
Selling a rental or second home? 2026 Capital Gains Tax rates, the £3,000 allowance, the 60-day reporting rule, reliefs and a worked example.
18 March 2025
Can I Get a Mortgage With a Default?
Can you get a mortgage with a default? How lenders judge size, age and whether it is settled, the deposit you may need, and how to improve your chances.
15 March 2025
Buy-to-Let Mortgages for UK Expats
Buy-to-let mortgages for UK expats: lender rules, deposits, foreign income and currency, documents, and the tax and Stamp Duty points to know.
5 March 2025
Remortgaging With Bad Credit: Your Options
Can you remortgage with bad credit? How lenders view missed payments, defaults, CCJs and arrears, when a product transfer is easier, and what it may cost.
28 February 2025
15 First-Time Buyer Mortgage Mistakes to Avoid
Avoid 15 costly first-time buyer mortgage mistakes, from credit checks and deposits to Stamp Duty, surveys and mortgage offers. Practical UK advice.
25 February 2025
Buy-to-Let Mortgages on New Build Property
Buy-to-let mortgages on new builds: lower loan-to-value limits on flats, valuation and new build premiums, off-plan timing, incentives and lender checks.
20 February 2025
Can I Get a Mortgage After a Debt Relief Order?
Can you get a mortgage after a debt relief order? How long lenders want you to wait, the deposit you may need, how a DRO shows on your file and how to rebuild.
18 February 2025
Can You Have More Than One Mortgage? A 2026 Guide
Yes, you can have more than one mortgage. See how lenders assess a second mortgage, buy to let, second charges, bridging, Stamp Duty and tax in 2026.
8 February 2025
Buy-to-Let Mortgages for First-Time Buyers
Can you get a buy-to-let mortgage as a first-time buyer? Deposit and income rules, how rental cover works, Stamp Duty and the trade-offs explained.
5 February 2025
B&B and Guest House Mortgages
B&B and guest house mortgages explained by a broker: owner's accommodation, when it is regulated, how lenders assess trading income, seasonality and deposits.
30 January 2025
Family Springboard Mortgages Explained
How the Barclays Family Springboard mortgage lets you borrow 100% with a helper's savings held for five years, who can help, the risks and alternatives.
25 January 2025
CIS Mortgages: How Lenders Assess Construction Income
CIS mortgages explained: how some lenders use your gross CIS pay instead of net profit, the statements you need, how much you could borrow and common pitfalls.
20 January 2025
Remortgage Costs and Fees: Complete UK Guide 2026
Understand remortgage costs and fees in 2026, from product and legal charges to ERCs. Compare total costs before switching. Written by a CeMAP adviser.
18 January 2025
Bad Credit Mortgages: The Complete UK Guide
Bad credit mortgages explained: how lenders judge defaults, CCJs, missed payments, IVAs and bankruptcy, the deposit you need, costs and how to get approved.
15 January 2025
Mortgage Jargon A to Z: Plain English Guide 2026
Mortgage jargon explained in plain English, from Agreement in Principle and Bank Rate to LTV, SVR and porting. A first-time buyer glossary from a broker.
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