Omica Mortgages is an FCA-regulated mortgage broker based in Amber Valley, DE75 7TA, specialising in Buy-to-Let, First Time Buyers, HMO and 3 other areas. Rated 5/5 from 48 reviews.
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Meet our experienced team of mortgage professionals
Daryl Kennett
5 Dec 2025Brilliant, professional and extremely knowledgable. Omar took the reins and ensured everything was done for us. Constant communication to ensure we was kept in the loop for the duration of the process. I can’t recommend this company enough. Thanks again for all your help and support, we will be forever grateful and now looking forward to moving into our family home.
Aisha Khan
5 Nov 2025Omar has been amazing in helping my partner and me buy our first home! He explained everything clearly and made what seemed like a complicated process feel simple and stress-free. We really appreciated his patience, honesty, and constant support from start to finish. It’s been such a smooth experience, and we’d definitely recommend Omar to our family and friends!
avtar tamber
30 Oct 2025Omica mortgages was recommended to me through my solicitor and I have been left blown away by the service and most importantly the savings and since then I moved all the rental mortgages through them too. Will and still am recommending Omar and his team. Thank you for the service and look forward to working with you when they come up for renewals.
Victoria Wei
14 Jul 2025The service we received from Omica Mortgages was second to none. Omar Ghafoor was fantastic all the way through our purchase. Always contactable by email or phone, kept us up to date with every twist and turn of the process. He was able to help us secure our mortgage and gave us lots of advice and options and talked us through any tricky bits. Omar has been a star throughout our purchase and I cannot thank him enough. I would highly recommend him to any prospective purchasers.
Abraham Russell
10 Feb 2025I had an amazing experience working with Omar Ghafoor at Omica Mortgages. From start to finish, he ensured I fully understood every step of the mortgage process, making everything clear and straightforward. There were no delays or issues on his end—everything was handled smoothly and efficiently. Omar went above and beyond to secure the best mortgage rates for me, always looking out for my best interests. His professionalism, dedication, and attention to detail made the entire process stress-free. I truly appreciate his hard work and commitment, and I can confidently say I’ll be using his services again in the future. 100% recommend Omar to anyone looking for a reliable and knowledgeable mortgage broker. If you want someone who genuinely cares and will do everything possible to get you the best deal, Omar is the person to go to!
No memberships listed.
Regulatory Status
Direct Authorisation
Practical guides and explainers from our blog — relevant to this mortgage type.
The proposed UK holiday tax could cost £500 million and may increase costs for landlords and first-time buyers in the short-term rental market.
UK buy-to-let repossessions have risen by 10% in Q4 2025, with landlords facing higher mortgage repayments due to rising interest rates. Landlords with a £250,000 mortgage face an annual repayment increase of £1,975.
Rents outside London have flatlined for the first time since 2017, potentially impacting landlords. With increased borrowing costs and stagnant rents, landlords could face squeezed profits.
Buy-to-let lending increased by 18.2% in Q4 2025, driven by landlords refinancing existing loans. This led to increased rental yields and lower interest rates, benefiting landlords.
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