Tariff of Fees & Charges Tariffs & charges For second charge mortgages We would like you to be aware of the fees and charges we will make for a number of operations relating to your Second Charge Mortgage. This is our Tariff of Fees and Charges as referred to in the terms and conditions of your Second Charge Mortgage Offer or Loan Agreement. We may charge additional fees or charges for other operations in line with the terms and conditions of your Offer, Loan Agreement or Mortgage Deed (as permitted by applicable law). Please contact us for further details. This Tariff applies to your Second Charge Mortgage until it is changed by us from time to time in accordance with the terms and conditions of your Offer or Loan Agreement. Other or higher fees may apply in some circumstances. In this Tariff, unless stated otherwise, VAT is included. Words and expressions in this Tariff have the meanings given to them in your Loan Agreement or Offer and Mortgage Conditions. In particular, in this Tariff: we, us and our means Optimum Credit Limited (registered in England and Wales as company number 8698121) and anyone who at any time in the future is entitled (as legal or beneficial owner) to all or any of the creditor’s rights under your Loan Agreement, Offer or Mortgage Deed (including as a result of a transfer as referred to in the terms and conditions of your loan agreement or mortgage deed, as applicable). The tariff of fees and charges applicable to your account depends upon the type of Second Charge Mortgage you have with us. If you would like to discuss this in more detail, please call us on 0333 014 3125. All information correct on the date and time of: November 23, 2021 7:17 pm If your Mortgage Offer was dated on or after 15th February 2016: If your Mortgage Offer was dated before 15th February 2016: More information If our fees or charges increase, we will send you an updated version of our Tariff in advance. Fees are due and immediately payable at the time the service, action or event to which it relates occurs and (unless stated otherwise above) any overdue unpaid fees and charges will be added to your loan balance and will accrue interest. These fees and charges may be changed in the future in line with the terms and conditions of your Loan Agreement or Offer and Mortgage Deed (as permitted by applicable law). Existing customers please contact us on 0333 014 3125. 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.