Your initial mortgage consultation is free of charge.  There may be a fee for arranging your mortgage, dependant on your circumstances, a typical fee would be £349.00 which would become payable on application.  If a fee is charged and your application does not proceed to offer, we will refund the fee in full.

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In general Buy to Let mortgages are not regulated by the financial Conduct Authority.

  • I would like to express my gratitude for the excellent advice and service I received from you and your team. What would I have done without you guys, Thank you for all your hard work.

    Hannah Lord-Salt

  • The Team at Opal Financials have always made all financial decisions and product inception smooth and hassle free. They are highly communicative and always in an exceptionally professional and friendly manner. We have never had to chase for updates as they are so proactive, and have always kept us fully informed without making everything complicated. They are an absolute pleasure to deal with and this, amongst many other highly positive traits, is the reason we have recommended them to so many of our friends, family and colleagues!

    Graham & Joanne Joseph

  • Dealing with Carl and the team made our lives a lot easier throughout applying for our mortgage, as we were first time buyers. They were all always extremely helpful and always willing with to do their utmost best. A massive weight was lifted throughout because they took everything into their own hands by dealing with everything from start to finish. We would highly recommend them to anyone who is applying for a mortgage, I don't think we could've done it without them being at the end of the phone!

    Marc Jepson & Sasha Hood

  • From our first chat over the phone, to the completion of our sale, Opal we're fantastic! Great service, great support and most importantly great advise.

    Gareth & Alice Hassall

  • We have now used the services of Opal Financials on two occasions. Carl was able to source the products needed to meet our needs. Totally professional, friendly and efficient. We constantly knew what has happening during each process. The service received was excellent and I had recommended Carl and the team to friends and colleagues. You just get the feeling that you can totally trust these people with your financial affairs.

    Nick Clay

  • I would highly recommend using opal financials, they have made the complicated world of mortgages simple and pain free. There are so many products out there with various rates and charges we really were not sure what was best. Opal made this simple, and at no time did we feel that anything Steve was trying to recommend to us was anything other than what was in our best interests. The fact that we could pick up the phone and speak to the same person every time also put our minds at ease, knowing that all the information I was receiving was both consistent and accurate.

    James Griffin

  • A very easy going atmosphere and always willing to help. Professional and straight forward. Made buying a house easy and stress free. Would definitely recommend and would definitely use again :-)

    Amy Hall

  • I used Opal finance to arrange my buy to let mortgages, I wasn't expecting a smooth ride due to the complexity of my requirements. Steve made it incredibly simple and found me great deals on the mortgages and insurances. Throughout the whole process Steve was very professional, friendly and made the whole process that was expected to be stressful, exactly the opposite. I have since recommended Opal Finances to a number of friends who have also had a friendly, professional and reliable service.

    A. Ashton

  • By happenstance I came across Steve and Opal Financials at the perfect time. Steve promptly arranged a meeting and explained everything I needed to bring along to get the process started. During the meeting Steve explained the application procedure and discussed different mortgage products which would best suit me – finding solutions I hadn’t thought of. After deciding, Steve made the process seamless, chasing up the mortgage and quickly passing on information to solicitors.

    Trevor Morris

  • We have used Opal Financials many times over the years, for buying a new property and for remortgaging. We have found them to be Friendly, Trustworthy and Professional. Thank you for taking away the stress and saving us money along the way. We would highly recommend (and have) and will most definitely be back in the future.

    Jill Petts

  • As property investors we need to use only the most professional people out there and Opal financial fit that bill perfectly. We are about to complete on mortgage number 5 with them within 2 years! They are ahead of the game in every way possible so we would not consider using any one else.

    Phil & Carole Copeland

  • As a young first time buyer I was very naive about mortgages, insurance, surveys etc, so I went to Opal Financials for advice. The team there are friendly and willing to help in any way they can. I had no knowledge regarding anything to do with house buying, but I was quickly put at ease. They explained all the policies/processes etc without confusion and were happy to answer any question I had. They were quick to respond to messages and keeping me updated with developments. I really appreciated all the work they did on my behalf, particularly Steve who was dealt with my purchase. I’d have no hesitation in employing their services again or recommending them.

    Rachael Clarke

  • Steve and his team were extremely helpful in guiding me through all my mortgage and life insurance plans. I would certainly recommend Opal Financials to anyone looking for friendly, hassle-free advice.

    Dom McGuiness

  • In April of 2014, I employed the services of Carl Dutton at Opal Financials to manage my mortgage application. Carl and his team showed absolute diligence and efficiency from start to finish. Making the application a stress free experience. I would recommend Carl and his team without hesitation.

    Daniel Munford

  • I cannot recommend Opal Financials Ltd highly enough. Steven Hodgkiss made the process of buying our second property very smooth and straightforward. His extensive product knowledge and expertise is second to none and I would definitely recommend, and use them again in the future.

    David Bradley


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