Home About us Our Products Our Partners BDMs Contact Helping you find the right deals for your customers We will help you find the right deals for your customers based on their individual circumstances and we will work hard to get you a quick decision and outcome. If you are interested in working with us, get in touch today. Contact our team Contact your BDM About us Welcome to Optimum Credit Optimum Credit is a leading second charge mortgage provider for homeowners in England, Wales and Scotland. Optimum’s approach to meeting the needs of our customers has seen us advance funds totaling 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). How we can help you Our aim is to provide you with a second charge mortgage that meets your clients individual and personal circumstances. Optimum Credit could offer your client 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 clients individual and personal circumstances. We can offer a repayment term of 3 to 30 years subject to your individual circumstances and credit checks. Contact our wholesale team About us Flexible, competitive and responsible Second charge mortgages are a solution for many customers in a variety of situations and circumstances. As a responsible lender, Optimum Credit will only lend to customers who, as a result of the application process, we believe have the ability and intention to repay the second charge mortgage. Borrow up to £1,000,000 Repayment periods up to 30 years Borrow up to 100% of property value Competitive rates Flexible overpayment options Straightforward and friendly Our products Our second charge mortgages We offer competitive fixed, discounted and variable rate products. Optimum products are available by application either directly via our fully qualified mortgage advisors or through one of our carefully selected Broker intermediaries (in both cases fees may apply). How much could my client borrow? With a second charge mortgage from Optimum Credit, your clients can borrow up to £1,000,000 subject to your their circumstances and credit checks. This often could be more than they could borrow with an unsecured personal loan – the main difference being that the borrowing is secured against the value of their home. Can they repay their second charge mortgage in full? They can repay their second charge mortgage in full at any time, however early repayment charges may apply. Full details are contained in the Mortgage Offer document sent prior to completion or in the ‘Early Repayment Section’ on the reverse of the Loan Agreement. Please do not hesitate to contact us if you are uncertain about the early repayment charges for your clients second charge mortgage account. Property valuation If you have received mortgage advice directly from us, we are responsible for ensuring that the valuation is carried out and we will pay the cost of it. In limited circumstances you may need to pay some, or all of this cost and we will notify you if this is the case. 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 it, will fall to either your mortgage adviser or Optimum Credit. No additional cost would normally arise as a result of a property valuation, but your mortgage adviser or Optimum Credit will notify you if you need to pay some, or all of this cost. A portion of any fee that you pay your mortgage adviser may include an element towards the cost of a property valuation. Contact your BDM Our partners Building lasting relationships Our dedicated team also work with a range of approved specialist partners to offer second charge mortgages to customers. We are always interested in building new partnerships and we pride ourselves on the lasting relationships we build with our broker intermediaries. Our BDMs Lending criteria at a glance Market leading lender The majority of cases will not require valuation No matrix - each customers product is based on their individual circumstances Flexible approach to underwriting Ability to overpay without penalties Referrals If a case falls outside our standard criteria we may still be able to help. North & Scotland Tom Whitney Business Development Manager 07525 020675 tom.whitney@optimumcredit.co.uk South & Wales Jon Callow Business Development Manager 07498 291038 jon.callow@optimumcredit.co.uk Got a question? To discuss a case, or find out more about our products and services, call our experienced team. 02922 331220 Contact our Wholesale team Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Broker Partners 02922 331220 broker@optimumcredit.co.uk Existing Customers 0333 014 3125 customerservices@optimumcredit.co.uk Optimum Credit Ltd PO Box 1189 Uxbridge UB8 9EF Information Data Protection and Privacy General Mortgage Conditions Tariff of Fees & Charges Complaints Interest rates Securitisation history Accessibility Modern Slavery Act Careers We are always on the lookout for talented people who get a kick out of doing a great job, have a passion for excellence, and love working collaboratively with other colleagues. If you want a fast-paced environment, real career progression opportunities and somewhere to showcase your skills and experience, this is the place for you! View our current vacancies Optimum Credit Ltd is authorised and regulated by the Financial Conduct Authority under registration number 710410. You can confirm our registration on the FCA’s website or by contacting the FCA on 0800 111 6768. Optimum Credit is a member of the Finance and Leasing Association and follows its Lending Code. Optimum Credit Ltd Registered office: Haywood House South, Dumfries Place, Cardiff CF10 3GA. Registered in England and Wales No. 08698121. Calls may be monitored or recorded for training, compliance and evidential purposes. All Second Charge Mortgages are subject to status, available to homeowners only and secured by a mortgage over your property.