Shared Equity Customers

Welcome to Optimum Credit

Optimum Credit is a specialist provider and servicer of second charge mortgages for homeowners in England, Wales and Scotland.  Our bespoke approach to our individual customers has seen us advance funds totalling over £300m since launching in June 2014.

We’re delighted to have you as customers with us and confirm you can be confident that your rights, obligations or liabilities under your shared equity mortgage remain unchanged.  

Easy Start/Easy Buy Loans

If you have an Easy Start/Easy Buy Shared Equity Mortgage you should now send correspondence relating to this loan to Optimum Credit Ltd, Haywood House South, Dumfries Place, Cardiff CF10 3GA.

HomeBuy Direct/FirstBuy

If you have a HomeBuy Direct or FirstBuy Shared Equity Mortgage then Target Loan Servicing will continue to service your shared equity and you should continue to send correspondence relating to your shared equity to Target Loan Servicing at  If you need to make a payment in respect of your shared equity mortgage, then you should contact Target's Customer Services team at the above address or on telephone number 0345 848 0235 to confirm the correct account details.