We provide


Helping you plan for your future and protecting the things most important to you, your family, your health and your lifestyle

We Provide


Putting you in touch with good quality brokers to give you peace of mind and help you achieve your goals


Whether you’re a first time buyer or already a homeowner, we aim to find you a trusted and suitable mortgage broker who will help and aim to fulfil your needs and find you the best suitable mortgage deal to complete your plans.

When you buy a property as an investment, you won’t be able to fund your purchase with a normal residential mortgage. Instead, you will need a specialist Buy-to-Let mortgage. The good news is that there are lots of deals out there, whether you are a first time landlord, an ‘accidental’ landlord or even an experienced investor.

Second Charge Mortgages are a viable solution for customers looking to finance home improvements or debt consolidation. Second Charge mortgages can also be used for a variety of other purposes including raising capital for business.

Bridging Finance is short-term funding where clients have an intended exit route within a short timescale. First and Second charge bridging loans are available.

Residential mortgages are the largest and one of the most common forms of credit in the UK, and make it possible for millions of us to buy our homes. Whether you are buying your first or second home we can help arrange your mortgage for you.

Financial Advice

To help individuals in various stages of life, offering widely differing financial resources to help plan for your financial security and independence.

The right investments can offer real opportunities to grow your wealth and protect it against inflation.

Including reviewing current and previous pension arrangements and specialist advice around taking pension benefits.

Helping you pass your wealth down to future generations.

Allowing for more flexibility and control over your investments.

Insurance & Protection

To help protect the ones you love, your family, your health and your lifestyle.

Life insurance is a type of insurance policy that can help minimize the financial impact that your death could have on your loved ones. Life insurance can help give you peace of mind that your family’s way of life is protected should the worse happen.

Critical illness cover can help minimize the financial impact on you and your family if you become critically ill. It is an option that can be added for an extra cost when you take out life insurance.

A critical illness can affect anyone at any age. In the event of being unable to work due to critical illness, having a back-up plan in place can alleviate some of the financial stress of the situation. Some people may use their savings to supplement their loss of income, others rely on an employment benefit package, while others may find critical illness cover is their best option.

Home insurance can help protect your property and belongings from unexpected events like escape of water, fire, storm, flood and theft.

There are two types of home insurance;

  1. Buildings Insurance – to protect the structure of your home. It covers the cost of repairing or rebuilding the structure of your home and its permanent fixtures and fittings should it be damaged or destroyed.
  2. Contents Insurance – to protect your belongings. It covers your household goods and personal belongings like clothes, furniture, curtains and kitchen appliances in the home.

What would you do if your income unexpectedly stopped?

An accident, sickness or redundancy could happen to any of us at any time.

Income protection is designed to give you peace of mind, if the worse was to happen. You will be able to continue to support your cost of living and keep control of your lifestyle for either 12 or 24 months.


Searching for a mortgage can be complicated! But you could save time and money by using a mortgage broker.

(A professional adviser who can find and apply for a mortgage deal on your behalf).

A whole-of-market broker should look at the entire mortgage market and recommend the right mortgage deal for you.

A good mortgage broker can find the right mortgage for you and apply for it on your behalf.

A mortgage broker is someone who will review the mortgages available to you based on your personal financial situation and apply for one on your behalf.

They can save you time by telling you which lenders are likely to accept you and how to improve your application and can speed up the application by dealing with paperwork on your behalf.

Look for a whole-of-market broker. There are several things you should consider when choosing a mortgage broker. One of the most important is whether they are Whole-of-Market?

Some mortgage brokers will only recommend mortgages that are available from a select ‘Panel’ of lenders.

If you speak to an adviser based in a Bank or Building Society, they will only tell you about their own product range.

A Whole-of-Market broker should have access to all the mortgages on the market before making a recommendation to you. This could potentially save you money, as they should be able to recommend the cheapest possible option for you.

At AR Financial Options we have created relationships with Trusted and Experienced Mortgage Brokers that can help you arrange your mortgage based on your needs.

We can introduce you to a Whole-of-Market broker to discuss your needs, who can then make a recommendation and help you apply for your mortgage.

It is normal for brokers to receive a commission payment from the lender after they arrange your mortgage.

Mortgage Brokers may charge a fee for their service whereas sometimes they may offer mortgage broking for free.

Once your need has been fulfilled and the broker has been paid by the lender, that is when we get paid.

For example, if you are looking to purchase a new home and require a mortgage, the broker will recommend a mortgage deal and on agreement will apply for that mortgage on your behalf. Only once your mortgage is approved and you have completed the transaction does the broker get paid. At this point the broker will share a percentage of the fee paid by the lender with us. This shows the importance for us to recommend reliable and suitable brokers to our clients as if they are not helped then we don’t get paid.

A-Z Jargon Buster

A document from a mortgage lender confirming that you will be able to borrow a certain amount. You can use this to prove to a seller that you can afford to buy their property.

Annual Percentage Rate;

The overall cost of a mortgage, including the interest and fees. It assumes you will have the mortgage for the whole term, so may not be a useful way to compare deals.

A set-up fee for your mortgage. Most mortgage lenders will allow you add this fee to the loan, but this will mean you pay interest on it for the whole mortgage term.

If you go into arrears, it means you have defaulted at least once on your mortgage repayments, i.e. you have missed a month’s payment. Therefore, it is vital to contact your lender as soon as possible if you think you may go into arrears.

A type of mortgage set up fee.

An adviser who can help you arrange a mortgage.

Insurance that covers you for damage to the structure of your home. A lender will require you to have this in place when you take out a mortgage.

 A Buy-to-let property is bought with the sole intention of letting it to tenants.

The amount of money you borrow to buy a property.

County Court Judgement’. These are made against you for non-payment of debt and could make it harder for you to get a mortgage.

The legal process you must go through when you buy or sell property. This can be done by a solicitor or licensed conveyancer.

This is the amount you are required to put down yourself towards the cost of the property. The minimum deposit you will usually need is 5%, but the cheapest deals are available to people who can pay a deposit of at least 40%.

Penalty fees you have to pay if you want to leave your mortgage during a specified period, usually the period of the initial deal.

The amount of the property that you own outright, i.e. your deposit plus the capital you have paid off on your mortgage.

The mortgage interest rate stays the same for the initial period of the deal, which can be anything from 1 to 10 years. This means you can be sure of exactly what you will be paying on your mortgage each month.

A flexible mortgage deal allows you to overpay, underpay or even take a payment holiday from your mortgage. This can help you pay off your mortgage early and save money on interest. However, flexible mortgages are usually more expensive than conventional ones.

You own the building and the land it stands on.

The Government has launched a number of different Help to Buy schemes, including equity loans, mortgage guarantee, Isa’s and specific schemes for Scotland & Wales.

You only pay the interest on your mortgage each month, without repaying any of the capital loan itself. The idea is that you build up enough money to be able to pay off the mortgage at the end of the term in other ways. For example, through investing in stocks & shares, pension endownment or the sale of another property.

A mortgage taken out by two or more people. This may be used if you buy a house with a partner or friend and can also be used by parents who want to help their children buy a property.

You own the building but not the land it stands on and for a certain period (anything up to 99 years). You may find it difficult to get a mortgage if there are fewer than 70 years remaining on the lease of the property you want to buy.

The size of your mortgage as a percentage of the property value. The cheapest deals tend to be available to people who are borrowing 60% or less.

The amount you pay your mortgage lender each month. If you are on a repayment mortgage, the payment will cover a percentage of your mortgage plus interest.

Insurance that covers your mortgage, usually for a year, if you are unable to work due to accident , sickness or unemployment. It is also known as ASU insurance.

The amount of time you are taking the mortgage out for. For example 25 years.

For insurance purposes; the cost of rebuilding your home if it is destroyed.

When you change your mortgage without moving house. You can do this to save money, to change to a different type of mortgage or to release equity from your home.

You pay off the mortgage interest and part of the capital of your loan each month. Unless you miss any repayments, you are guaranteed to have paid off the mortgage by the end of the term.

Required by the lenders if you take out an interest only mortgage. This is the means by which you are intending to pay off your mortgage at the end of the term. For example, another property or a stocks & shares portfolio.

Originally intended to enable tenants of council houses to buy the homes they lived in.

The fee paid o a maintenance agent for the on-going maintenance of a leasehold property.

You buy a share of a property (usually between 25% and 75%) and pay rent on the remaining share, which is owned by the local housing Association.

Stamp Duty Land Tax (SDLT) is payable when you buy a property for more than £125,000 or £40,000 if it is a Buy to Let property or Second Home.

The default mortgage interest rate that your lender will charge after your initial mortgage deal period ends. This could be higher or lower than your original rate.

A sub-prime or non-conforming mortgage is geared towards people who have credit problems.

This is the period during which you are ‘locked in’ to your mortgage deal. You will have to pay an early repayment charge (ERC) if you leave your mortgage during this period.

The interest rate on your mortgage tracks the Bank of England base rate at a set margin above or below it.

Lenders always carry out a valuation survey to check whether the property is worth roughly the amount you are paying for it. You should always have your own survey done to check the structural problems.

The interest rate on your mortgage can go up and down according to the lenders standard variable rate.

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