Who are we?

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 £400m since launching in June 2014.

Based in Cardiff, 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.

Why choose Optimum Credit?

  • Optimum Credit could offer you a second charge mortgage of any amount from £5,000 to £500,000.
  • 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 25 years subject to your individual circumstances and credit checks.
  • Borrow up to 95% of your property’s value, less the existing mortgage balance subject to a satisfactory valuation. Minimum property values and conditions apply.
  • You can expect a straightforward, customer friendly approach both during your application process and after completion of your second charge mortgage.
  • We offer flexible overpayment options, without penalty, which allow you to either reduce the term of your second charge mortgage, or reduce your monthly repayments, whichever suits your circumstances, firmly putting you in control.

Think carefully before securing other debts against your property.
Your property may be repossessed if you do not keep up repayments on your mortgage.