Davi Thakar
Director & Senior Mortgage Broker
Davi founded Option Finance with a vision to deliver transparent, whole-of-market mortgage advice. 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. His hands-on approach ensures every client receives tailored solutions, no matter how complicated the situation.
Specialisms
Articles by Davi Thakar
10 January 2026
When Should You Remortgage? A Complete Guide
Find out when the best time to remortgage is and how much you could save by switching to a new deal. Expert advice from Option Finance.
8 January 2026
Self-Employed UK Mortgage Guide 2026 | How to Get Approved
A practical 2026 guide to self-employed UK mortgages, explaining income requirements, lender criteria, and how to get approved.
5 January 2026
Today’s Mortgage Rates Explained: Current Rates, Market Trends & How to Get the Best Deal
Discover today’s mortgage rates, what drives rate changes, and how fixed, tracker and variable mortgages compare. Includes expert advice on LTV, affordability, hidden fees, and strategies to secure the lowest rate.
25 November 2025
Mortgage After a Repossession: Best Practices 2025
Getting a mortgage after repossession can be challenging and have severe consequences on a borrowers credit score and credit file.
12 November 2025
Regulated Buy To Let Mortgages: A Comprehensive Guide
Regulated Buy To Let mortgages explained, The essential guide, from application tips to potential pitfalls. Read the comprehensive guide now!
8 November 2025
Understanding Bridging Loans: Fast Property Finance
Explore bridging loans for quick financial solutions. Understand their benefits and risks, and find out if they're the right choice for you. Read more now.
5 October 2025
Self Build Mortgages: Complete Guide 2025
Self Build Mortgages in 2025. Discover key tips and insights to help you navigate the process in 2025
22 September 2025
Self Employed With Complex Income | Specialist Guide
self employed with complex income? Learn how lenders assess self-employed earnings and how specialist brokers help you secure the right deal.
5 September 2025
Mortgages for Semi-Commercial Property: Guide 2025
Mortgages for semi-commercial property. Discover key tips and insights to help you navigate the process in 2025
5 August 2025
Remortgaging v Product Transfer: Key Insights 2025
Remortgaging v product transfers, explore the differences to make informed decisions about your borrowing. Read the article for essential insights.
8 July 2025
Getting a Mortgage with a CCJ: Best Practices 2025
Getting a mortgage with a CCJ is still possible, particularly with specialist mortgage lenders who consider applicants with bad credit.
1 July 2025
Hotel Mortgages what are they and how they work: Guide 2025
Hotel Mortgages, how can it be tailored to your business needs? Discover key tips and insights to help you navigate the process.
5 June 2025
Understanding Commercial Buy to Let Mortgages: Best Guide
Explore the essentials of commercial buy to let mortgages with this comprehensive guide. Understand key concepts and make informed investment decisions.
5 May 2025
Best Guide to Commercial Second Charge Mortgages: 2025
Discover essential insights into commercial second charge mortgages. This practical guide helps you navigate options and make informed decisions. Read more.
20 April 2025
Essential Guide to Buy to Let Remortgage: Options Explained
Buy To Let remortgage explore essential tips and options. Make informed decisions for your investment property. Read more to enhance your knowledge.
8 April 2025
Getting a Mortgage with 1 Year's Accounts: Essential Guide
Getting a mortgage with 1 year's of accounts essential tips. Get practical advice to improve your chances of approval—read more now!
28 March 2025
How to Remortgage a Commercial Property for Better Rates
Discover practical steps to remortgage a commercial property for better rates. Learn how to assess options and make informed decisions. Read more!
22 March 2025
Capital Gains Tax on Property: How It Works, Rates, Allowances & Ways to Reduce Your Bill
Learn how capital gains tax works on property, including buy-to-let, second homes, inherited property and business assets. Includes CGT calculations, allowances, reliefs and practical strategies to reduce your tax liability.
18 March 2025
Can I Get a Mortgage with a Default - Option Finance
Get a mortgage with a default on your credit file can seem challenging, but it’s not impossible. A default indicates that you failed to pay a debt, and this can raise concerns for potential lenders.
15 March 2025
Buy to Let Mortgages for UK Expats: A Complete Guide
Explore the essentials of Buy to Let mortgages for UK expats. Understand the process, benefits, and challenges. Read our comprehensive guide now!
1 March 2025
Securing a Commercial Mortgage Best Guide 2025
Discover essential tips for securing commercial mortgages tailored to your business needs. Read more to navigate the financing process effectively.
5 February 2025
Bed and Breakfast & Guest House Mortgages Essential Guide
Explore essential mortgage options for your bed and breakfast & guest house mortgages. Practical insights to make informed financing decisions. Read more!
20 January 2025
Costs and Fees When Remortgaging: A Complete Guide
Costs and fees associated with remortgaging. Get clear insights and practical tips to make informed financial decisions. Read more!
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