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Mortgage & Protection Services
First-Time Buyer Mortgages
Clear, impartial guidance for first-time buyers, ensuring every step of the home-buying process is manageable. Receive advice tailored to your circumstances.
Home Mover Mortgages
Expert advice to make moving home less stressful, helping you find the mortgage best suited to your new property.
Remortgages
Support with remortgaging to secure a better deal, consolidate debts, or adjust repayment terms.
Why Choose Me
Based in Reading, Berkshire, Amir Kharkowa has over 30 years’ experience providing expert mortgage and protection advice. Hundreds of clients, from first-time buyers to Buy-to-Let investors, have benefited from a personal, one-to-one approach, ensuring clarity and confidence throughout the process.
Each client receives advice tailored to their individual needs. The focus is on trust-led, professional guidance, with every option explained in plain English. From understanding mortgages for your first home to planning a Buy-to-Let portfolio, every step is transparent and straightforward.
Fully FCA regulated, all advice is compliant, safe, and focused on your best interests.
Free Rate Review
Not sure if your current mortgage deal is giving you the best value? The Free Rate Review service offers personalised, no-obligation guidance to help you understand your options clearly.
During your review, you’ll gain insight into:
✔ How your current mortgage compares to the market
✔ Opportunities to reduce monthly repayments or secure better terms
✔ Strategies to manage your mortgage efficiently and plan for the future
This service is designed to give you peace of mind, whether you’re considering remortgaging, switching products, or just want to ensure your mortgage still suits your needs.
Calculate Your Mortgage Repayments
Use our calculator to provide a guide to your potential monthly repayments based on your loan amount, term, and interest rate.
The figures are for guidance only and do not constitute a guarantee. They do not take into account other financial commitments such as credit cards, loans, or personal expenditure. For an accurate calculation based on your individual circumstances, it is important to speak to a mortgage adviser.
“We only had a few days to get documents together and complete — Options managed it quickly and professionally. Highly recommended!”
Patrick K.
“As a first-time buyer, Amir helped ease my anxieties and guided me throughout the process. Communication was great and I couldn’t be happier.”
Nagina B.
“Friendly and professional advice at every step. I would recommend Options Mortgage Services to anyone.”
Conor C.
“We’ve just used Options to secure our mortgage — really knowledgeable and approachable throughout, making the whole process effortless.”
Michelle H.
What Clients Say
