Leading UK second fee cost mortgage company

Be cautious before securing other debts against your house. Your property might be repossessed if you don’t keep pace repayments on home financing or just about any other financial obligation guaranteed about it.

Who’re we?

Optimum Credit is a leading provider of 2nd cost mortgages for property owners in England, Wales and Scotland. Optimum’s method of fulfilling the wants of y our clients has seen us advance funds totalling over £1bn since launching in 2014 june.

Situated in Cardiff and Uxbridge, you can expect a selection of adjustable, fixed and reduced charge that is second that can easily be sent applications for by talking straight to certainly one of our completely qualified home loan advisors or approaching certainly one of our very carefully chosen Broker Intermediaries (both in situations charges may use).

Our aim is always to offer you a 2nd charge mortgage that meets your own personal and private circumstances.


Optimum Credit could possibly offer that you 2nd cost home loan of every amount from ВЈ5,000 to ВЈ1,000,000. You can expect competitive fixed, reduced and adjustable price items. The real rate we provide is determined by your own personal and individual circumstances.

We could provide a payment term of 3 to three decades at the mercy of your specific circumstances and credit checks.

Optimum Credit can offer you a 2nd cost home loan of any quantity from ВЈ5,000 to ВЈ1,000,000.

We are able to provide a payment term of 3 to three decades at the mercy of your specific circumstances and credit checks.

Borrow as much as 100percent of one’s property’s value, less the present mortgage balance susceptible to a valuation that is satisfactory. Minimal home values and conditions use.

2nd fee mortgages

2nd cost mortgages can be obtained to property owners whom now have a current charge mortgage that is first. Into the way that is same your current home loan they have been guaranteed against your home.

2nd charge mortgages in many cases are removed to re-organise individual finances, and that can enable clients to combine debt that is existing very easy to manage monthly obligations. All applications are thought and examined independently you probably know that whenever consolidating current credit this could result you repay in you extending the repayment term of your debt and could increase the total amount.

With a charge that is second from Optimum Credit, you can easily borrow as much as ВЈ1,000,000 at the mercy of your own personal circumstances and credit checks. This usually could become more than you can borrow by having an unsecured loan that is personal the primary huge difference being that the borrowing is guaranteed from the worth of your home.

You can expect competitive fixed, discounted and variable price items. Optimum items are available by application either straight via our completely qualified home loan advisors or through certainly one of our very very carefully selected Broker intermediaries (both in situations costs may use).

Perhaps you are in a position to borrow up to 100per cent of the property’s value, less the prevailing mortgage balance, susceptible to a satisfactory valuation and a property value that is minimum.

Certainly one of our qualified home loan advisers will talk about your particular needs to you before suggesting a suitable home loan from Optimum’s item range in relation to your own circumstances and requirements.

You can expect an easy, customer friendly approach, both throughout your application procedure and after conclusion of one’s 2nd fee home loan. We provide you the flexibleness to help make overpayments, at any time, without using any style of monetary penalty.

You are able to repay your next cost home loan in complete anytime, nonetheless early payment fees may use. Complete details are found in your home loan Offer document sent just before conclusion or perhaps into the ‘Early Repayment Section’ on the opposite of your Loan contract.

Please don’t hesitate to e mail us if you’re uncertain concerning the very early payment fees on the 2nd cost home loan account.

From us, we are responsible for ensuring that the valuation is carried out and we will pay the cost of it if you have received mortgage advice directly. In restricted circumstances you may have to spend some, or all this expense and now we shall inform you should this be the actual situation.

It, will fall to either your mortgage adviser or Optimum Credit if you have received mortgage advice from your personal mortgage adviser, the responsibility for ensuring the valuation is carried out, and for paying the cost of. No cost that is additional ordinarily arise due to a residential property valuation, however your home loan adviser or Optimum Credit will inform you if you wish to spend some, or all this expense. A part of any cost you spend your home loan adviser might add a component to the price of a residential property valuation.