We champion people who have tale to inform.

At Optimum Credit, our aim is always to offer you a 2nd charge mortgage that meets your own and individual circumstances.

About us

Optimum Credit is a number one charge that is second provider for property owners in England, Wales and Scotland. Optimum’s method of fulfilling the needs of our clients has seen us advance funds totaling over £1bn since launching in June 2014.

Located in Cardiff and Uxbridge, you can expect a variety of variable, fixed and discounted 2nd fee mortgages that can be requested by talking right to certainly one of our completely qualified home loan advisors or approaching certainly one of our very carefully selected Broker Intermediaries (both in instances costs may use).

Just just just How we could allow you to

Our aim is always to give you a 2nd charge mortgage that meets your own and individual circumstances.

    Optimum Credit can offer that you charge that is second of every quantity from ВЈ5,000 to ВЈ1,000,000. We provide competitive fixed, reduced and adjustable price items. The rate that is actual provide is determined by your own and individual circumstances. We could provide a repayment term of 3 to three decades susceptible to your circumstances that are individual credit checks.

About us

Flexible, responsible and competitive

2nd cost mortgages are an answer for a lot of clients in many different circumstances and circumstances. As being a accountable loan provider, Optimum Credit will simply lend to clients whom, as a consequence of the application form procedure, we believe have the potential and intention to settle the charge mortgage that is second.

Optimum Credit could possibly offer that you 2nd charge home loan of every quantity from ВЈ5,000 to ВЈ1,000,000.

We could provide a payment term of 3 to three decades susceptible to your circumstances that are individual credit checks.

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

We provide competitive fixed, reduced and rate that is variable. The rate that is actual provide is determined by your own personal and individual circumstances.

We provide versatile overpayment choices, without penalty, which permit you to either lower the term of the 2nd cost home loan, or lower your month-to-month repayments, whichever matches your position, securely placing you in charge.

You may expect a simple, client friendly approach both through your application procedure and after conclusion of one’s second fee home loan.

Our services and products

2nd cost mortgages

Optimum Credit is a prominent charge that is second provider for homeowners in England, Wales and Scotland. Optimum’s method of meeting the wants of y our clients has seen us advance funds totaling over £1bn since launching in 2014 june.

What’s a 2nd fee home loan?

2nd cost mortgages tend to be applied for to re-organise personal funds, and will enable clients to combine debt that is existing simple to handle monthly premiums. All applications are thought and examined independently however you probably know that whenever consolidating current credit this might result you repay in you extending the repayment term of your debt and could increase the total amount.

Exactly how much may I borrow?

Having a charge that is second from Optimum Credit, it is possible to borrow as much as ВЈ1,000,000 susceptible to your own personal circumstances and credit checks. This usually could be much more than you can borrow with an unsecured loan that is personal the key huge difference being that the borrowing is guaranteed up against the value of your property.

It is possible to repay the second cost mortgage in complete whenever you want, nevertheless very very early payment costs may use. Full details are found in your home loan Offer document sent just before conclusion or in the Repayment that is‘Early section on the opposite of your Loan contract.

Please try not to hesitate to call us if you should be uncertain concerning the repayment that is early on the 2nd fee home loan account.

A valuation of your home might be needed, with regards to the worth of your premises, the total amount of the advance along with your circumstances that are personal.

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 pay some, or all this expense and then we shall alert you should this be the outcome.

When you yourself have gotten home loan advice from your individual home loan adviser, the duty for ensuring the valuation is performed, as well as spending the expense of it, will fall to either your home loan adviser or Optimum Credit. No added cost would ordinarily arise because of a house valuation, however your home loan adviser or Optimum Credit will alert you if you wish to spend some, or all this expense. A percentage of any charge which you spend your home loan adviser may add a feature towards the price of a house valuation.