Derby's Trusted Mortgage Broker
Mortgage Broker in Derby
Expert, whole-of-market mortgage advice from your local Derby broker. Free consultations, face-to-face appointments, and access to over 90 lenders.
Your local mortgage broker in Derby
Option Finance is a whole-of-market mortgage broker based at 119A Friar Gate, Derby, DE1 1EX, right in the heart of the city. As an appointed representative of Finance Advice Group Ltd (FCA Ref: 624517), we provide expert mortgage advice to homebuyers, homeowners, landlords, and business owners across Derby and the surrounding areas of Derbyshire.
With an established local presence and deep understanding of the Derby property market, we are perfectly positioned to help you find the right mortgage. Unlike banks and building societies who can only offer their own products, we search the entire market — comparing deals from over 90 lenders including high street names, building societies, and specialist lenders — to find the best rate and terms for your individual circumstances.
Whether you are a first-time buyer looking at properties in Mickleover, a landlord expanding a portfolio in Spondon, or a business owner seeking commercial finance in the city centre, our CeMAP-qualified advisers are here to provide free, no-obligation advice tailored to your needs.
Local Coverage
Areas we serve
We provide mortgage advice to clients across Derby and the wider Derbyshire area. Wherever you are, we can help.
Our Services
Services available in Derby
We offer the full range of mortgage services to Derby residents, from your first home to commercial property investment.
First-Time Buyer Mortgages
Expert guidance for Derby first-time buyers getting on the property ladder.
Learn MoreRemortgages
Switch to a better deal and save money on your Derby property.
Learn MoreBuy-to-Let
Finance your Derby investment property with specialist BTL advice.
Learn MoreMoving Home
Seamless mortgage advice for moving within or to the Derby area.
Learn MoreSelf-Employed Mortgages
Specialist mortgages for Derby contractors and business owners.
Learn MoreAdverse Credit
Bad credit mortgage solutions for Derby residents with CCJs, defaults, or IVAs.
Learn MoreCommercial Mortgages
Finance for commercial property and business premises in Derby.
Learn MoreLocal Expertise
Why choose a local broker?
Working with a Derby-based mortgage broker gives you advantages that online-only services simply cannot match.
Face-to-face appointments
Visit our Friar Gate office or we can come to you. We believe in building real relationships with our clients, not just phone calls and emails.
Local property market knowledge
We understand Derby property values, from Victorian terraces in the city centre to new builds in Chellaston. This insight helps us find the right mortgage for your purchase.
Relationships with local professionals
We work closely with Derby estate agents, solicitors, and surveyors. These established relationships help ensure a smooth and timely transaction.
Understanding of Derby property values
Whether you are buying in Darley Abbey or Normanton, we know the local market and can advise on what lenders will value a property at, avoiding nasty surprises.
Testimonials
What Derby clients say
"Option Finance made buying our first home in Mickleover so straightforward. Our adviser explained everything clearly, found us a brilliant rate, and kept us updated throughout. Could not recommend them enough."
James & Laura T.
First-Time Buyers, Mickleover
"I was on my lender's SVR and had no idea how much I was overpaying. Option Finance saved me over £300 a month by switching me to a fixed rate. The whole process was handled for me — brilliant service."
David H.
Remortgage Client, Allestree
"As a self-employed contractor, I'd been turned down twice before finding Option Finance. They knew exactly which lenders would accept my day rate and got me approved within two weeks. Fantastic."
Priya K.
Self-Employed, Derby City Centre
"We needed to upsize quickly after our second child arrived. Option Finance handled everything with our existing lender and the new purchase simultaneously. Completed on time with zero stress."
Mark & Sophie R.
Home Movers, Chellaston
Visit Us
How to find us
Our office is centrally located on Friar Gate, one of Derby's most well-known streets. Pop in for a coffee and a chat about your mortgage needs.
Office Address
119A Friar Gate
Derby
DE1 1EX
Opening Hours
Mon - Fri: 9am - 5pm
Evenings & weekends
by appointment
Book your free consultation in Derby
Get free, no-obligation mortgage advice from our expert Derby-based team. Call us, visit our Friar Gate office, or apply online.