Options Mortgage Centre

Joanne was absolutely amazing. Super speedy and flexible with her time and always very reassuring throughout the process. I can’t recommend her enough.

The communication has been extremely disappointing this time. We were forgiving in the beginning because we were told our broker had a family issue which we were sympathetic to, but were assured we were back on track now. Since initial contact of beginning of October 2025 to completion beginning of February 2026, we received 1 email and 2 phone calls from our broker. I emailed at least 6 times with practical questions and the general desire to be kept in the loop The people who answer the phone at the office were very kind and as helpful as they could be, but understandably we were mainly told our broker would contact us, which never happened. Despite feeling forgotten about, we were confident everything would be correct in the end. Unfortunately when our new mortgage papers came through they were not what we had discussed. 15/10/25 is the date of the call we had with our broker to discuss our needs. They recommend we pay more per month but reduce the term of the mortgage, to which we declined. 16/10/25 we received a mortgage outline for the reduced term, again we declined (in writing this time), saying we'd like to keep the same term. Early February we were told our mortgage was complete and Options asked for payment. I did so promptly. A week or so later we received our new mortgage paper work, only to find it was the higher cost but reduced term our broker recommended and we very clearly declined. That same day I called the Options office to question how this happened, to be told by someone that our broker says, "they can advise us how to rectify it but that would be on our end." I arranged a phone call with our broker to discuss these issues, perhaps hoping for an apology or if I was really lucky a partial refund. On the day of the phone call it was not our broker called but one of the other office staff. I outlined everything above, and was assured that our broker had, "probably already emailed you to discuss this. Because he does want to talk about it." I have received no such email or any other communication since. It has been 7 business days since then. I called again today and was again told my concerns would be passed on. It seems our broker does not wish to speak to us. Had me and my partner been planning to have a child, build an extension or been working to a strict budget for any other reason, the higher rate/reduced term mortgage would have been a disaster. Fortunately for us, it just underlines how unimportant we are to them. At best, our broker is over worked and forgot about us. At worst, we were a repeat customer they believed wouldn't go anywhere, so sod us. We are fully aware that we are not the brokers only customers, but to have had so little communication during and since is ridiculous. I regret paying Options so swiftly and before recieving the paperwork from the bank. If we signed something we shouldn't have, therefore agreeing to the reduced term mortgage, I think the average person would agree that we assumed the person I was paying for a service would have just done it correctly. I think it is correct for you assume that we as your customers don't entirely know we're doing, otherwise we wouldn't have hired you to do it for us. We received 2 letters from the bank before compeltion. The first one in October speciifes it is a 27 year mortgage, which is correct and what we were expecting. The second from January states it is 24 years mortgage, a detail which we must have missed. There was no reason for it to be changed between these 2 dates. The 2 stars are for the lovely office staff and the OK first experience with you 2 years ago for our first mortgage. We will not be using Options again or recommending them. 5 minutes before posting this review one of the lovely office staff called to finally arrange a phone call between the broker and I. I declined as I have given them enough of a chance to contact me and can only assume they finally want to talk as I said I would be leaving an honest review.

Could not have asked for a better company! They went above and beyond. I will be forever grateful to Chris, Luca & Orla for all their support, hard work and dedication to helping me get my forever home. Massive thank you to you all. Jennifer Kirkham

As a first-time buyer, I couldn’t have asked for better support than what I received from Joanne. From start to finish, she guided me through every stage of the mortgage process with patience, clarity, and genuine care. Nothing was ever too much trouble, and she always made sure I fully understood each step before moving forward. Her communication was excellent, and she consistently went the extra mile to make the whole experience smooth and stress-free. I’m so grateful for her help — I truly wouldn’t have got through the process without her expertise and support. Highly recommend Joanne to anyone looking for a mortgage broker who’s knowledgeable, approachable, and wholeheartedly invested in helping you achieve your goals.

⭐️⭐️⭐️⭐️⭐️ Outstanding Service from Start to Finish – Thank You, Luca! As a first-time buyer, the thought of getting a mortgage and navigating the property world was pretty overwhelming — but working with Luca at Options Mortgage completely changed that. From day one, Luca made the entire process smooth, painless, and incredibly straightforward. He took the time to walk me through every step, explained everything clearly, and always made sure I felt supported and confident in every decision. What stood out the most was how he genuinely went out of his way to help — whether it was chasing things up, answering my many questions, or just checking in to see how I was doing. Luca was always professional, knowledgeable, and reassuring, but also friendly and approachable — which made a huge difference during such a big life step. I never once felt like “just another client” — he truly cared about helping me get the best outcome. Thanks to Luca’s support and expertise, I’m now a proud first-time homeowner — and I couldn’t be more grateful. If you're looking for someone who goes above and beyond and actually makes the mortgage process feel easy, Luca is the one. I honestly can’t recommend him highly enough.