Why Us
Why choose Option Finance?
We are not just another mortgage broker. We are your dedicated partner in finding the right mortgage, with whole-of-market access, free initial advice, and advice you can trust.
Our Advantages
Six reasons to choose us
From whole-of-market access to clear fees, here is what sets Option Finance apart.
Whole of Market Access
We search the whole market, from high street banks to specialist providers, to find the right mortgage for your circumstances. No restrictions, no bias.
Transparent Fees
Your initial consultation is free with no obligation. Our broker fee for a straightforward case is £499: £299 on application and £200 on mortgage offer. The £299 is refunded if the mortgage is declined, but not if you withdraw after submission. The fee is £999 where income is complex or there are some credit problems, and £1,499 for heavy adverse credit such as a bankruptcy, as far more work is involved. These are paid the same way: part on application, refundable if the mortgage is declined, and the rest when the mortgage offer is issued. We confirm your fee and terms before you proceed.
Regulated Advice
Appointed representative of Finance Advice Group Ltd, authorised and regulated by the FCA (Ref: 788478).
CeMAP Qualified Team
Every adviser holds the Certificate in Mortgage Advice and Practice (CeMAP), the industry-recognised qualification for mortgage professionals in the UK.
Highly Rated by Clients
Read what our clients say about us on Trustpilot. Honest advice, clear communication and keeping you updated are what they mention most.
Free Initial Advice
Book a free, no-obligation initial conversation to discuss your mortgage needs. Whether by phone, video call, or in person at our Derby office, we are here to help.
Compare Your Options
Broker vs bank vs online
See how using a whole-of-market mortgage broker compares to going directly to a bank or an online-only lender.
| Recommended Option Finance | High Street Bank | Online-Only Lender | |
|---|---|---|---|
| Lender choice | Whole of market | Own products only | Varies by provider |
| Personal advice | Named adviser | Varies | Varies by provider |
| Complex cases | Limited | Varies by provider | |
| Free initial advice | Varies | Varies by provider | |
| Application support | End-to-end | Varies | Varies by provider |
| Ongoing support | Varies | Varies by provider |
Our Promise
What you can expect from us
When you choose Option Finance, you are choosing a mortgage broker that puts your interests first. Here is our promise to every client.
No hidden fees
Our fee structure is explained upfront before you proceed. There are no surprise charges at any stage.
Honest, impartial advice
We recommend the deal that suits you, not the one that pays us the most commission. If a mortgage is not right for you, we will tell you.
The whole market compared
We compare deals across the whole market, on total cost rather than headline rate, and explain why we recommend the one we do.
Clear communication
We keep you informed at every stage of your application. No jargon and no chasing us for updates. We come to you.
Support beyond completion
Our relationship does not end when your mortgage completes. We will contact you well before your deal ends so you can review your options in good time.
10+
Years Experience
Whole
Of Market
From £499
Clear Broker Fee
Free
Initial Consultation
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
Book your free initial consultation
No obligation. Free initial advice. Speak to our expert team and discover how much you could save on your mortgage.