Home / Mortgages
Sell with us. Your next mortgage comes with no broker fee.
Our sister company Option Finance has been arranging mortgages for nearly ten years, from the same Friar Gate office. Sell your home with us and they will arrange the mortgage on your next one without a broker fee.
Selling with us
£0
broker fee on the mortgage for your onward purchase.
Landlords
£0
broker fee on your buy to let mortgages if you are selling or buying with us, whether you have one property or many.
One office for the sale and the mortgage.
Most sales that fall through do so between the offer and exchange, and the mortgage is often why. With your agent and your broker in the same office, nothing waits for a phone call to be returned.
Before you go on the market
Option Finance tells you what you can borrow and gets an agreement in principle, so you can offer on your next home the day you find it.
When you find your next home
They search the market for the right deal and handle the application, the valuation and the lender's questions.
While both sales progress
We chase your sale and they chase your mortgage offer, side by side, with one update to you each week.
Through to completion
The mortgage offer, the solicitors and both moves are lined up for the same day.
Their marketing really made a difference, especially the photos and virtual tour which helped generate strong interest in my property. They also helped with my onward purchase mortgage with their in house mortgage brokerage. Definitely recommend.
Mortgages Option Finance arranges
Option Finance is a whole of market mortgage broker, so they are not tied to one lender. They are used to cases that the high street finds harder.
Moving home
The mortgage on your next home, including porting your current deal where that works out cheaper.
First-time buyers
What you can borrow, which schemes you can use and how much deposit you need.
Remortgages
A new deal before your current one ends, so you do not drop onto the lender's standard rate.
Self-employed and complex income
Sole traders, company directors, contractors and people with more than one source of income.
Buy to let and portfolios
Single lets, limited company buy to let and whole portfolios, including refinancing to release money for the next purchase.
Poor credit history
Missed payments, defaults and CCJs do not always mean no. Option Finance knows which lenders will look at your case.
Commercial property
Shops, offices, mixed use buildings and other commercial purchases and refinancing.
Buying one of our homes?
Option Finance can check what you can borrow, free of charge, before you make an offer. A buyer with their mortgage agreed in principle is in a stronger position.
It is entirely up to you. Using Option Finance will never affect whether you can view a home, or how we pass your offer to the seller.
Landlords we manage for
When we take on the management of your property, Option Finance can review the mortgage on it and remind you before each deal ends. If you are selling or buying with us, your buy to let mortgages come without a broker fee, whether you have one property or many.
Lettings and managementQuestions people ask
Is the mortgage advice really free?
If you sell your home with us, Option Finance will not charge you a broker fee for the mortgage on your next home. The same applies to buy to let mortgages for any landlord selling or buying with us. Option Finance is paid a commission by the lender when the mortgage completes, and they will tell you how much before you go ahead.
Do I have to use Option Finance to sell or buy with you?
No. Using Option Finance is always your choice. If you are buying one of our homes, it will never affect whether you can view it or how we put your offer forward. If you already have a broker you are happy with, that is fine.
Do I need a big portfolio to get the fee-free buy to let mortgage?
No. Whether you have one rental or twenty, if you are selling or buying with us, Option Finance will arrange your buy to let mortgages with no broker fee.
When should I speak to Option Finance?
Ideally before your home goes on the market. Knowing what you can borrow means you can make an offer on your next home with confidence, and sellers see you as a stronger buyer.
Can Option Finance help if my income is complicated?
Yes. Option Finance works with the whole of the market, including self-employed clients, people with complex income, people with a poor credit history, portfolio landlords, limited company buy to let and commercial property.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Most buy to let mortgages are not regulated by the Financial Conduct Authority. Commercial mortgages are not regulated by the Financial Conduct Authority.
The fee-free offers apply to Option Finance's broker fee only. Option Finance is paid a commission by the lender, and will tell you the amount before you go ahead. Lenders may charge their own fees.
Mortgage advice is provided by Option Finance Ltd, our sister company under the same ownership. Option Finance Ltd is an appointed representative of Finance Advice Group Ltd, which is authorised and regulated by the Financial Conduct Authority. FCA reference 788478.
Option Estates and Option Finance are owned by the same person. If you choose to use Option Finance, we will tell you in writing about any fee or benefit either company receives before you go ahead.