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
Discover the wide range of complex mortgage scenarios we specialize in
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
Get a personalized assessment for your unique mortgage situation
Here's Our Process
Tell Us About Your Situation (Takes Less Than 5 Minutes)
Share a few quick details about your situation so we can match you with mortgage options designed specifically for your goals - and potentially save you thousands.
We Search 200+ Lenders to Find Your Best Options
We'll search through our network of 200+ lenders to find options most brokers can't access, then explain exactly what you qualify for and recommend the best match for your situation.
Full Application Management
We'll prepare and submit your application, manage all lender communications, and keep you updated at every stage until completion.
Your Mortgage Offer Secured
We've successfully secured your formal mortgage offer. We'll review the terms with you and guide you through the final steps to 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
Current Mortgage Rates
Stay informed with the latest mortgage rates across different terms and loan-to-value ratios
Complete Rate Comparison by LTV
Compare rates across different terms and loan-to-value bands. Lower LTV typically means better rates.
| Term | 60% LTV | 75% LTV | 85% LTV | 90% LTV | 95% LTV |
|---|---|---|---|---|---|
| 2-Year Fixed | 4.25% | 4.42% | 4.65% | 4.89% | 5.45% |
| 3-Year Fixed | 4.29% | 4.45% | 4.69% | 4.95% | 5.49% |
| 5-Year Fixed | 4.18% | 4.38% | 4.59% | 4.85% | 5.39% |
| 10-Year Fixed | 4.65% | 4.79% | 4.99% | 5.25% | 5.89% |
Note: Rates shown are indicative and subject to change. LTV (Loan-to-Value) is calculated as your loan amount divided by the property value. A larger deposit means lower LTV and typically better rates. All calculations assume a 25-year repayment term.
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 Mortgage
For First Time Buyer, HMO, Residential Mortgages, Consumer Buy-To-Let (Accidental landlords), Business Buy-To-Let, Commercial Mortgages, Residential Bridge Loans, Buy-To-Let Commercial bridge loans, Residential Second Charges, Buy To Let Second Charges, Foreign Nationals Not Located In The UK
Complex Mortgages
For complex cases such as development finance.