Complex income. Adverse credit. Portfolio landlords. We find a way when others can't.
The mortgage broker that doesn't fit the mould.
10+
Years Experience
5★
Google (47 Reviews)
90+
Lender Panel
FCA
Regulated
We search deals from over 90 lenders including
Our Services
Whatever your situation, we've seen it before and solved it.
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. We work with specialist lenders who look beyond your credit score — CCJs, defaults, IVAs, missed payments — assessing your full picture, not just a number.
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 MoreBridging Finance
Fast, flexible short-term finance to bridge the gap — buy before you sell, purchase at auction, or fund a refurbishment. We arrange bridging alongside your onward mortgage.
Learn MoreLimited Company
Mortgages for limited company directors and SPV landlords. We know which lenders assess salary, dividends, and retained profits — and how to maximise what your structure can borrow.
Learn MoreWhy Option Finance
Why Option Finance beats a traditional broker
Most brokers work from a limited panel and take the path of least resistance. We don't. We search the whole market, take on the complex cases others won't touch, and stay with you until the job is done.
Traditional Broker
Limited lender panel
Many brokers are tied to a small group of preferred lenders, which means they're not always finding you the best deal — they're finding the best deal from their list.
Option Finance
90+ lenders. Whole of market.
We search the entire market — high street banks, specialist lenders, challenger banks, and bridging providers. More options means a better chance of finding the right deal for your exact situation.
Traditional Broker
Turn away complex cases
Self-employed? Bad credit? Multiple income streams? Many brokers simply refer these cases elsewhere or tell clients the answer is no.
Option Finance
Complex cases are our speciality.
Self-employed, adverse credit, portfolio landlords, limited company structures, complex income — these aren't problems we refer out. They're what we do every day. We know which lenders say yes when others say no.
Traditional Broker
Fees before they've done anything
Some brokers charge upfront admin fees before they've done anything, and bury other charges in the small print. You often don't know what you're paying until you're already committed.
Option Finance
Free initial advice. Our fees, explained upfront.
Your initial consultation is completely free — no charge to speak to us and understand your options. A broker fee applies at application stage, and we explain exactly what that is before you commit to anything. No hidden charges. No small print surprises.
Traditional Broker
Slow, hard to reach, and left in the dark
A common complaint with established brokers is poor communication — chasing for updates, slow responses, and no clear timeline from application to completion.
Option Finance
Fast, proactive, and with you to completion.
We manage the whole process and keep you updated at every stage. You won't need to chase us. We chase the lenders, coordinate with solicitors, and don't stop until you've got your keys.
Ready to see the difference?
Free 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 manage the whole application — chasing lenders, coordinating with solicitors, and keeping you updated every step. You focus on the move. We handle the mortgage.
Real Results
Proof over promises.
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
Nearly a decade in the market has taught us one thing: the clients who need help most are the ones traditional brokers turn away. Complex income. Adverse credit. Portfolio landlords. Limited company structures. These are our specialities — not our exceptions.
We're a whole-of-market brokerage with access to 90+ lenders and a team that knows how to make difficult cases work. Free initial advice. Transparent fees. No jargon.
Talk to us today
Speak to a qualified mortgage adviser — no obligation, free initial advice. 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
Nottingham
"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
Derby
"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
Leeds
"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
Derby
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?
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Takes less than 2 minutes. No obligation, free initial advice.
Get free mortgage advice today
No obligation, free initial advice. Speak to our expert team and find out how much you could save.