15+
Years Experience
5★
Google Rating
90+
Lender Panel
FCA
Regulated
We search deals from over 90 lenders including
Our Services
Mortgage solutions for every need
First-Time Buyers
Get on the property ladder with expert guidance. We help first-time buyers find the best mortgage deals, navigate Help to Buy, and understand the entire process.
Learn MoreRemortgages
Switch to a better deal and save money. We search the whole of market to find lower rates, release equity, or consolidate debts through remortgaging.
Learn MoreBuy-to-Let
Finance your investment property. We specialise in buy-to-let mortgages for new and experienced landlords, including limited company and portfolio lending.
Learn MoreMoving Home
Make your move seamless. Whether upsizing, downsizing, or relocating, we handle your mortgage so you can focus on finding your perfect home.
Learn MoreAdverse Credit
Bad credit doesn't mean no mortgage. Our specialist advisers work with lenders who consider CCJs, defaults, IVAs, and bankruptcy to find solutions.
Learn MoreSelf-Employed
Specialist mortgages for self-employed borrowers. We understand the challenges and know which lenders offer the best terms for contractors and business owners.
Learn MoreCommercial Mortgages
Finance for commercial property, mixed-use buildings, and business premises. We arrange deals for owner-occupiers and investors across all sectors.
Learn MoreFree Tools
Mortgage calculators
Use our free calculators to estimate monthly payments, stamp duty costs, and how much you could borrow.
Simple Process
How it works
From first call to completion — we handle everything so you don't have to.
Free Consultation
Tell us about your situation. We'll discuss your goals and circumstances — no obligation, no fees.
Market Search
We search over 90 lenders to find the best deals. Our whole-of-market access means more options for you.
Expert Recommendation
We present the best options, explain the pros and cons, and recommend the right mortgage. No pressure.
Completion
We handle the application, chase the lender and solicitor, and keep you updated until you get your keys.
Real Results
Success stories
See how we've helped real clients in situations just like yours.
£210
saved per month
Remortgage savings
Couple in Derby remortgaged from SVR at 5.2% to a 2-year fix at 3.89%. Saved £210/month and reduced their term by 3 years.
£285k
mortgage approved
First-time buyer with CCJ
First-time buyer with a satisfied CCJ from 3 years ago. We found a specialist lender offering 90% LTV at a competitive rate.
4.2x
income multiple
Self-employed contractor
IT contractor earning via limited company. Day rate accepted instead of salary — secured a 4.2x income multiple with just 1 year's accounts.
6
properties financed
Portfolio landlord
Experienced landlord needed to refinance 6 BTL properties under a limited company structure. Completed all 6 within 8 weeks.
About Option Finance
Your trusted mortgage adviser in Derby
At Option Finance, we believe everyone deserves access to expert mortgage advice. As a whole-of-market broker, we search thousands of deals from over 90 lenders to find the right mortgage for your circumstances.
Whether you're a first-time buyer taking your first steps onto the property ladder, looking to remortgage to a better deal, or need specialist advice for adverse credit or self-employment, our CeMAP qualified team is here to guide you every step of the way.
Talk to us today
Speak to a qualified mortgage adviser — no obligation, no upfront fees. We're here to help.
01332 470 400Monday - Friday, 09:00 - 17:30
Testimonials
What our customers think
"I refinanced with Option Finance and saved over £400 a month! Their team found me a significantly lower rate, and the process was seamless. No hidden fees, just honest advice. Highly recommend!"
Emily W.
Remortgage Client
"After a bad experience with another lender, Option Finance restored my faith. My adviser was responsive, rates were competitive, and we completed on time. 10 out of 10!"
John S.
Home Mover
"I've used Option Finance for 3 rental property loans now. They understand investors' needs — flexible terms, fast approvals, and no surprises. My go-to for financing!"
Sarah J.
Buy-to-Let Investor
"As a first-time buyer, I was overwhelmed, but Option Finance made it so easy! My adviser walked me through every step, and I got a rate lower than I expected. Now I'm in my dream home!"
Michael B.
First-Time Buyer
Our Experts
Meet the team
Our CeMAP-qualified advisers are ready to find the right mortgage for your circumstances.
Common Questions
Mortgage questions
How do I qualify for a mortgage?
How much deposit do I need?
What types of mortgages do you offer?
What's the current mortgage rate?
Do I need to pay for your advice?
Get rate drop alerts
Be the first to know when mortgage rates fall. We'll email you when lenders cut their rates so you never miss a deal.
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Get Started
Apply now
Takes less than 2 minutes. No obligation, no upfront fees.
Get free mortgage advice today
No obligation, no upfront fees. Speak to our expert team and find out how much you could save.