Optimum Credit

Optimum Credit is a leading provider of second charge mortgages for homeowners in England, Wales and Scotland. Optimum's approach to meeting the needs of our customers has seen us advance funds totalling over £1bn since launching in June 2014. Based in Cardiff and Uxbridge, we offer a range of variable, fixed and discounted second charge mortgages which can be applied for by speaking directly to one of our fully qualified mortgage advisors or approaching one of our carefully selected Broker Intermediaries (in both cases fees may apply). Our aim is to provide you with a second charge mortgage that meets your individual and personal circumstances. Optimum Credit could offer you a second charge mortgage of any amount from £5,000 to £1,000,000. We offer competitive fixed, discounted and variable rate products. The actual rate we offer will depend on your individual and personal circumstances. We can offer a repayment term of 3 to 30 years subject to your individual circumstances and credit checks.