I am a Homeowner Intermediaries COVID-19 Pepper Money Careers Blog Contact Home About us Our Products Existing Customers Loan Calculator Welcome to Optimum Credit We champion people with a story to tell. At Optimum Credit, our aim is to provide you with a second charge mortgage that meets your individual and personal circumstances. Try our Loan Calculator Request a Callback About us Optimum Credit, founded in June 2014 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 individual and personal circumstances. Test 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. Try our Loan Calculator 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 Second charge mortgages 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. What is a second charge mortgage? Second charge mortgages are often taken out to re-organise personal finances, and can allow customers to consolidate existing debt into easy to manage monthly payments. All applications are considered and assessed individually but you should be aware that when consolidating existing credit this may result in you extending the repayment term of your debt and could increase the total amount you repay. How much could I borrow? With a second charge mortgage from Optimum Credit, you can borrow up to £1,000,000 subject to your individual circumstances and credit checks. This often could be more than you could borrow with an unsecured personal loan – the main difference being that the borrowing is secured against the value of your home. Can I repay my second charge mortgage in full? Property valuation 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). You may be able to borrow up to 100% of your property’s value, less the existing mortgage balance, subject to a satisfactory valuation and a minimum property value. Read more Contact us Our customers Our Existing Customers If you’re an existing Optimum Credit customer and would like to speak to us about your second charge mortgage, please get in touch if you would to talk about any of the following. Please contact us to talk about any further advances to your existing lending with Optimum Credit. 0333 014 3125 Contact us Help with repayments If you’re having trouble making your repayment, or think that you may have problems in the near future, please contact us on the following number 0333 014 3125. Repaying your second charge mortgage If you wish to repay your second charge mortgage early please contact our Customer Support team to request a redemption statement, which will include any early repayment charges that are applicable at that time. Crest Nicholson If you have any queries about your Crest Nicholson Shared Equity Mortgage you can contact us on 0333 014 3125. Changing your direct debit If you would like to discuss changing your direct debit date, please get in touch on 0333 014 3125. Moving house As your second charge mortgage from Optimum Credit is secured on your property, it’s important to let us know if you are thinking about moving home. For further information, please contact us. HomeBuy Direct / FirstBuy If you have any queries about your HomeBuy Direct of FirstBuy Shared Equity Mortgage you can contact Target Servicing Limited on 0345 848 0235. or target.hca@targetgroup.com. Got a question? To discuss a case, or find out more about our products and services, call our experienced team. 0333 014 3125 Request a callback 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.