Specialist mortgage matching
Mortgages for cases that don't fit the standard box.
Bad credit, self-employed income, portfolio landlords, limited company buy-to-let, bridging, or commercial finance. We look for the story behind the numbers.
Before you apply
Find out which lender route is realistic.
90+
Lenders searched
We search deals from over 90 lenders including
Who we help
Find your route.
Eight specialist routes, each with its own criteria. Pick the one that matches your situation.
1yr accounts · CIS · dividends Self-Employed
Learn more about getting a mortgage if you are self-employed.
Explore route
Story > score Bad Credit
Find out how to get a mortgage if you have credit issues.
Explore route
Deposit · advice · offer First-Time Buyer
Learn more about buying your first home.
Explore route Switch checked Remortgage
Find out more about the remortgaging process.
Explore route
Rental stress tested Buy-to-Let
Take your first steps towards becoming a landlord.
Explore route Trading · mixed-use Commercial Mortgages
Learn more about mortgages for business and commercial property.
Explore route
SPV route Limited Company
Learn more about buying property through a limited company.
Explore route
Auction · funds · exit Bridging Finance
Find out more about short-term property finance.
Explore routeReal results · our reviews
They thought it was impossible. We looked again.
"After a bad experience with another lender, Option Finance restored my faith. My adviser was responsive, rates were competitive, and we completed on time."
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."
Sarah J.
Buy-to-let investor
How it works
Three steps to a more realistic mortgage route.
Tell us the story
Share the situation in plain English. Income, credit, deposit, property, timing. No judgement.
We match the route
A specialist adviser checks which lender criteria fit the real circumstances before you waste an application.
Meet your experts
Clear advice, document guidance, lender options, and support from enquiry to completion.
Real people
Specialists, not scripts.
Technology speeds the search; a named adviser owns your case from first call to completion.
Request a free callback
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We'll call you back within 2 hours during business hours. If your enquiry is urgent, call us directly on 01332 470 400.
Talk to our mortgage specialists