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At Optimum Credit, our aim is to provide you with a second charge mortgage that meets your individual and personal circumstances.

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Optimum Credit Ltd only offer second charge mortgages to homeowners in England, Wales and Scotland. We do not lend in Northern Ireland or the Republic of Ireland. Optimum Credit Ltd only trades under the name “Optimum Credit” and it does NOT trade under, nor is it associated with, the company names “Optimum Credit Line Ltd” or “Optimum Credit Funds”. If you are approached about paying an upfront fee in connection with a loan, please see the guidance here from the Financial Conduct Authority. If you have concerns about the payment of an upfront fee, please speak to your local police or contact Action Fraud.
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