As independent brokers, we’re not tied to any one lender. Being Whole of Market brokers, we have no restrictions on who we can apply to. As Fee Free brokers, we don’t charge our clients because we’re content with the fee paid by lenders, the same as other brokers.


Life Insurance

Life insurance pays out upon death, often including terminal illness coverage at no extra cost, which pays out when a person has 12 months or less to live. It provides a tax-free lump sum to your family, whether for mortgage repayment or a lump sum payment in case of the worst.


Critical Illness Insurance

Critical illness insurance pays out when a person is diagnosed with specified conditions like cancer, heart attack, stroke, or total and permanent disability. It pays out upon diagnosis, not death, and there is no refund required if the person recovers.


        Financial Options, your local, independent, family run business, situated at 24 Finkle Street in Selby.            Find out more

What we do

An experienced team of qualified advisers

When looking to manage your mortgage, whether it’s buying your first home, moving to a new home, or reviewing your existing mortgage, we’re here to help!

  • Independent;
  • Whole of Market;
  • Fee Free;
  • Established in 2001;
  • Mortgage & Protection Advisers with 40 years real world experience;
  • You can meet us face to face and we will show you the screen with all the deals on.

IFO Financial Options was founded in 2001 by Steve Bryson after 20 years in the industry. The company has grown over the years to be one of the leading mortgage firms in the Selby area. We are able to help clients locally and from all of the country as well as even abroad.

We’re able to offer Independent, Whole of Market Mortgage Advice with no fee from us. Whether you’re looking for a residential mortgage or buy to let, simple or complicated, employed or self-employed. We can often help clients at no charge, even when other brokers have told them it’s specialist.

Did you know?

Most “independent” mortgage advisers are multi-tied, meaning they’re restricted to two or more lenders. We’re whole of market, which means that unlike most, we can actually offer you a mortgage from across the whole mortgage market. Why not start exploring your full range of mortgage options today?

Get in touch

We offer all services at no cost,
but may charge for commercial finance


We can help arrange or manage a mortgage that provides a home for you or your family.

Buy to let

We can help arrange or manage a mortgage for a rental/investment property, including holiday lets


We can help arrange whole of market policies to protect family or mortgages in the event a person dies

Critical Illness

We arrange policies to protect families or mortgages in case of critical illnesses like cancer, heart attack, or stroke.

About Our Advisors

Our Team

Steve D Bryson

Founder of IFO

Stephen M Bryson

Independent Mortgage and Protection Adviser

Simon Hewitt

Independent Mortgage and Protection Adviser