Mortgages Shouldn't Be This Hard.
Ours take one call and a clear next step.
One dedicated adviser, access to our 200+ lender panel. Know exactly where you stand within 24 hours.
Which best describes you?
The Questions Almost Everyone Asks Us First
Whether you are buying your first home, moving, remortgaging or investing, it usually comes down to three things: how much you can borrow, what it will cost each month, and whether you will be accepted.
How much can I borrow?
Every lender works it out differently, so one refusal is rarely the full picture.
- ✓Salary, bonus, commission and overtime considered
- ✓Self-employed and company profits assessed properly
- ✓We check the lenders most likely to say yes
What will it cost me?
Monthly payments, deposit, stamp duty and fees, set out before you commit.
- ✓Compare 2 to 10 year fixed rate options
- ✓Stamp duty and upfront costs explained clearly
- ✓No surprises — every cost set out before you commit
Will I be accepted?
Most declines come from applying to the wrong lender, not from being unmortgageable.
- ✓No credit search needed to enquire
- ✓Smaller deposits and newer employment considered
- ✓Past credit problems and complex income welcome
Explore all mortgage services, protection & insurance, or if credit history is your concern, bad credit mortgages.
Access To 200+ LendersIncluding Specialist Providers
We work with 200+ lenders including commercial, bridging, and niche BTL providers. Our comprehensive panel gives us multiple options for even complex cases that require specialist solutions.
Types Of Cases We Handle
Choose the type of case that best matches your circumstances.
Property Investors
Multi-property portfolios, commercial properties, and development finance
Complex Employment
Self-employed, contractors, directors, and multiple income streams
International Clients
Foreign nationals, UK expats, and international business owners
Business & Commercial
Business premises, commercial properties, and professional practices
Complex Case Assessment Tool
Answer eight questions to see which parts of your case may need specialist lender criteria.
Here's Our Process
Tell Us About Your Situation (Takes Less Than 5 Minutes)
Share your plans, income and deposit so your adviser can focus on lenders whose criteria fit your circumstances.
We Search 200+ Lenders to Find Your Best Options
We compare suitable options from our panel of more than 200 lenders and explain the costs, criteria and trade-offs clearly.
Full Application Management
Your dedicated adviser prepares the application, deals with the lender and keeps you informed through to the mortgage offer.
Your Mortgage Offer Secured
We review the offer with you, confirm the important conditions and stay available while your solicitor moves towards completion.
Our Promise to You
Complex mortgage cases require specialist expertise, not just process management. At Opus Mortgage & Protection, our promise is simple: we'll navigate the complexity for you, leverage our specialist lender relationships, and deliver solutions that others struggle to find. You get the approval, we handle the complexity.
Let's Discuss Safeguarding Your Property, Income & Family And Why Standard Protection Fails Specialists
Property investors, self-employed professionals, and high net worth individuals need protection strategies that standard insurance advisers simply can't provide. Here's why specialist advice matters.
The Standard Insurance Gap
Traditional protection products are designed for employed individuals with fixed salaries. They fail to address the complex needs of property portfolios, variable business income, and sophisticated wealth structures. This leaves successful individuals dangerously exposed.
Get Your Specialist Protection Review
Don't leave your wealth, income, and assets exposed. Get a comprehensive review of your protection needs from advisers who understand your specialist situation.
Free 30-minute consultation • No obligation • Specialist advice only
Property Investors
Portfolio Protection Beyond Standard Cover
Self-Employed & Business Owners
Income Protection for Variable Earnings
High Net Worth Clients
Trust-Based Protection Planning
Book Your No Obligation Discovery Call
Speak to one of our qualified mortgage advisors today. No obligation, no fees, just expert advice tailored to your needs.
Book Your Free Consultation
Pricing
Standard
Buying with no affordability hurdles or complexity — first-time buyers, movers, remortgages, buy-to-let and commercial.
Complex
If you need extra support due to credit history, complex income or property type — such as development finance.
One case, one fee — no matter how many lenders it takes. No upfront payments; you only pay once real work starts on your case.
Bridging finance carries no upfront broker fees.