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, no upfront fees, and advice you can trust.
Our Advantages
Six reasons to choose us
From whole-of-market access to 5-star reviews, here is what sets Option Finance apart.
Whole of Market Access
We search over 90 lenders — from high street banks to specialist providers — to find the best mortgage deal for your circumstances. No restrictions, no bias.
No Upfront Fees
Your initial consultation is completely free, and our broker fee is only payable on successful completion of your mortgage. No hidden charges, ever.
FCA Regulated
Appointed representative of Finance Advice Group Ltd, authorised and regulated by the FCA (Ref: 624517). Your advice meets the highest professional and legal standards.
CeMAP Qualified Team
Every adviser holds the Certificate in Mortgage Advice and Practice (CeMAP) — the industry-recognised qualification for mortgage professionals in the UK.
5-Star Rated
Rated 5.0 on both Trustpilot and Google Reviews. Our clients consistently praise our honest advice, clear communication, and genuine care.
Free Consultation
Book a free, no-obligation consultation 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 an independent mortgage broker compares to going directly to a bank or an online-only lender.
| Recommended Option Finance | High Street Bank | Online-Only Lender | |
|---|---|---|---|
| Number of lenders | 90+ lenders | 1 (own products) | 10-30 (limited panel) |
| Personal advice | Dedicated adviser | Branch staff (varies) | Chatbot / call centre |
| Complex cases | |||
| Upfront fees | None | Varies | Varies |
| Application support | End-to-end | Limited | Self-service |
| Ongoing support |
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 best deal for you, not the one that pays us the most commission. If a mortgage is not right for you, we will tell you.
Best deal guarantee
We search the whole of market — over 90 lenders — so you can be confident you are getting a competitive deal.
Clear communication
We keep you informed at every stage of your application. No jargon, 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 before your deal expires to make sure you are always on the best rate.
15+
Years Experience
90+
Lenders Searched
5.0
Average Rating
47+
Client Reviews
Regulated & Accredited
FCA Regulated
Financial Conduct Authority
Ref: 624517
CeMAP Qualified
Certificate in Mortgage
Advice & Practice
Whole of Market
Access to 90+ Lenders
Data Protection
ICO Registered
Data Protection Act 2018
Professional Indemnity
Fully Insured
Professional indemnity cover
Get free mortgage advice today
No obligation, no upfront fees. Speak to our expert team and discover how much you could save on your mortgage.