Optic Financial
At Optic Financial, we believe securing a mortgage or insurance policy should be straightforward. Our all-in-one Mortgage & Insurance Calculator provides clear, instant estimates tailored to your needs.
Optic Financial is more than a mortgage and insurance brokerage—we are a trusted source of expert guidance. With years of industry experience and in-depth market knowledge, we find the most competitive and suitable financial products for our clients.
Whether you are buying your first home, expanding your property portfolio, or protecting your assets, we ensure every decision is based on expert insights and real value.
How Optic Financial can help you
At Optic Financial, we do more than connect you with mortgage and insurance solutions. We provide exclusive access to a wide network of lenders and providers, ensuring you secure the best possible deal tailored to your needs.
Unmatched Market Access
200+ Lenders & Providers – Our extensive panel gives you access to a broader range of options than those available on the high street.
Exclusive Lenders – We work with lenders that are not available to the general public. This means you could benefit from lower interest rates, better terms, and bespoke deals.
Specialist Mortgages & Insurance – If you are self-employed, a property investor, or require commercial financing, we have access to specialist lenders. They understand complex financial situations and provide tailored solutions.
Better Deals, Bigger Savings
Lower Interest Rates – Our relationships with lenders allow us to secure rates that are often better than those offered by mainstream banks.
Reduced Fees & Exclusive Offers – Many of our lending partners provide special deals, cashback offers, or discounted fees that are not available through traditional banks.
Tailored Financing – Instead of a standard approach, we match you with a mortgage or insurance policy suited to your financial situation and goals.
A Streamlined, Hassle-Free Process
We Handle the Negotiation – No need to spend hours searching for the best deal. We compare lenders and secure the best terms for you.
Less Paperwork, Faster Approvals – With our expertise and strong lender relationships, we help speed up approvals and simplify the process.
Expert Guidance – From the initial application to final approval, our team ensures you fully understand your options and make well-informed financial decisions.
At Optic Financial, we believe better access leads to better deals. Get in touch today to explore your options and take the next step toward securing your financial future.
Residential
A residential mortgage is a loan used to purchase a home you intend to live in. Whether you are a first-time buyer, moving home, or remortgaging, securing the right mortgage deal is essential.
However, getting approved can be challenging. Lenders follow strict criteria, and if you have been declined before, it may seem like your options are limited. A mortgage broker with access to over 200 lenders and providers can help.
Why Use Optic Financial with Access to 200+ Lenders?
Rather than applying to a single bank, a mortgage broker can source options from a wide range of lenders, including high street banks and specialist providers. This can help you:
Find a lender willing to approve your application, even if others have declined it
Access exclusive mortgage deals that may not be available elsewhere
Match with the right lender, whether you are self-employed, have a complex income, or a low credit score
Save time by handling paperwork and negotiations on your behalf
Been Declined Elsewhere? Other Lenders May Say Yes
A rejection from one bank does not mean all lenders will say no. Each lender has different requirements, and some are more flexible. Our brokers focus on finding solutions when others cannot.
Find the Right Mortgage for Your Needs
If you need a lower interest rate, a higher borrowing amount, or a lender that will approve your application, we can assist.
Find out what mortgage deals you qualify for – contact us today.
A commercial mortgage is a loan secured against a property or premises used for business or investment purposes. Unlike residential mortgages, which apply to personal homes, commercial mortgages are designed for business owners, property investors, and developers. They provide funding to purchase, refinance, or release equity from commercial properties, buy-to-let properties, or land for commercial use.
These loans can support various needs, including acquiring office buildings, retail units, and warehouses or financing large-scale property developments.
How Do Commercial Mortgages Work?
Commercial mortgages function similarly to residential mortgages, with a lender providing a loan secured against a property. The borrower repays the loan through scheduled instalments. However, there are key differences. Commercial mortgages are designed for business purposes, offering flexible terms, higher borrowing limits, and repayment options tailored to businesses and investors.
Unlike residential mortgages, which follow set criteria, commercial mortgage terms vary based on factors such as business performance, property value, and intended use. Interest rates may be fixed or variable, and loan terms range from short-term bridging finance to long-term repayment plans. Lenders assess the viability of the business or investment by considering rental income potential and projected growth.
If you need funding to expand business premises, invest in rental properties, or finance a development project, a commercial mortgage can provide a suitable financial solution.
Struggling to Secure a Commercial Mortgage?
Many business owners face challenges securing commercial funding due to strict lending criteria. But every lender assesses applications differently. A broker with access to 200+ lenders can match you with those most likely to approve your application on competitive terms.
Find the Right Funding for Your Business
Whether you need a mortgage for a business premises, an investment property, or a large-scale development, our team is ready to help.
Find out what commercial mortgage deals you qualify for – contact us today.
Commercial
Protection
Protection ensures financial security for you, your family, or your business in case of unexpected events. Whether it’s illness, injury, loss of income, or death, the right protection policies provide peace of mind and financial stability when needed.
Many people overlook protection, but without it, a sudden change in circumstances could make it difficult to cover mortgage payments, household bills, or business expenses.
Types of Protection We Offer
Life Insurance – Provides a lump sum payout to your loved ones if you pass away. This can help cover mortgage payments, living costs, or future expenses.
Critical Illness Cover – Pays a tax-free lump sum if you’re diagnosed with a serious illness, offering financial support when needed.
Income Protection – Replaces part of your income if you cannot work due to illness or injury, helping you stay financially stable.
Business Protection – Ensures businesses can continue operating if a key person becomes ill or passes away, safeguarding employees and operations.
Why Use a Broker for Protection?
Not all protection policies are the same, and the right cover depends on your personal and financial situation. By working with a broker who has access to over 200 insurers and providers, you can:
Find the best cover for your needs – Tailored to your lifestyle, income, and family situation.
Access exclusive deals and lower premiums – Potentially saving money compared to going direct.
Ensure a smooth claims process – Guidance and support when making a claim.
Protect your mortgage and future finances – Reducing financial risk if unexpected events occur.
Get the Right Protection for You
Whether you want to secure your family’s future, protect your income, or safeguard your business, our team is ready to help.
How to Use the Optic Financial Mortgage & Insurance Calculator
Select Your Calculation Type
- Use the dropdown menu to choose between Residential Mortgage, Buy-to-Let Mortgage, Commercial Mortgage, or Insurance.
- The calculator title will update to match your selection.
Enter Your Details
- Input the Loan Amount (£), Interest Rate (%), and Term (Years).
- If you select Buy-to-Let, an extra field will appear for Expected Rental Income (£).
- If you select Insurance, additional fields will appear for Insurance Cover Amount (£) and Estimated Premium (%).
Click “Calculate”
- The calculator will generate an estimate based on your inputs.
View Your Results
- For mortgages, you’ll see an Estimated Monthly Repayment.
- For Buy-to-Let, you’ll also see the Expected Rental Yield.
- For Insurance, the calculator will display the Estimated Annual Premium.
Contact Us Today
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR LOANS SECURED ON IT.
Optic Financial Limited T/A Optic Financial is an appointed representative of Connect IFA Ltd 441505 which is authorised and regulated by the Financial Conduct Authority and is entered on the financial services register ( https://register.fca.org.uk/ ) under reference 927268. Optic Financial registered address is Registered in England No. 11599666. The FCA do not regulate some forms of Business Buy to Let Mortgages and Commercial Mortgages to Limited Companies.
It is our intention to provide you with a high level of customer service at all times. If there is an occasion when we do not meet these standards and you wish to register a complaint, please write to: Compliance Department, Connect IFA LTD, 39 Station Lane, Hornchurch, RM12 6JL or call: 01708 676110. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service www.financial-ombudsman.org.uk.
We conduct both regulated and unregulated business and therefore not all products provided through us are regulated by the Financial Conduct Authority.
We offer a comprehensive range of mortgages from lenders across the market but not deals that you can only obtain by going direct to a lender.
