
The great thing about Optimum Credit is that they have fixed rate deals for up to 5 years and discounted rates for up to 2 years.
They can offer up to 95% LTV (loan to value), which is uncommon for second-charge lenders.
You can make overpayments anytime, and they can loan up to £500,000 for up to 25 years. Optimum credit is used to do this if you need to re-organise your finances, and many people find they are much better off on a month-to-month basis.
Please complete the form to learn more about Optimum Credit or compare it with similar lenders. You may find that Optimum perfectly fits your needs.







Finding help when you need a fast remortgage
It’s widespread to encounter people seeking out bad credit remortgage brokers, remortgages for poor credit history, or where to get a remortgage with bad credit. However, home loan lenders like BlueZest are keen to see proof of affordability through a DWP letter, investment statements, or sa302 documents.
Evidence of income:
Lenders such as Central Trust, Equifinance or Equi finance often accept proof of affordability with
- wage slips
- accounts
Examples of subprime credit
Loan companies such as United Trust Bank, Masthaven or Shawbrook can often extend credit to people with
- credit card arrears
- missed payments
- discharged bankrupt
- defaults
- ccj records
What to expect for secured loans
It’s sometimes cheaper to get a secured loan than a refinance.
Sourcing bad credit remortgage companies:
- Secure Trust Bank
- Buckinghamshire Building Society
- Magellan Home Loans
- Saffron Building Society
Duration of payback cycle with Foundation Home Loans
- Two years
- Three years
- Ten years
- 11 years
Remortgages charges
- application fees
- solicitors fees
Finding help when you need a secured loan
- independent financial advisor
- IFA broker
It’s common to see people searching for a mortgage with a poor credit history, subprime loans in the UK, or guaranteed mortgages for bad credit. However, mortgage lenders like TSB—Intermediaries are keen to see proof of affordability through bank statements, pay stubs, or SA302 documents.
Mortgage Loan to Value
It’s usual to find individuals looking for percentages for a loan to value of 60%, 55%, or even as much as 90%; however, it’s hard to get 90%.
Finding help when you need a re-finance
It is widespread to discover people looking for remortgage advice for bad credit, subprime lenders in the UK or remortgages with lousy credit ratings. However, mortgage lenders like Together want to see paperwork showing income through pension statements, pay stubs, or pension statements.
Costs for 2nd mortgages
- broker fees
- valuation fees
Does Optimum Credit do Secured Loans?
Yes, Optimum Credit does secure loans at 4.3% APR.
Does Optimum Credit offer Equity Release Under 55?
Yes, Optimum Credit Equity Release Under 55 is 4.3% MER.
Does Optimum Credit offer Secured Homeowner Loans?
Yes, Optimum Credit Secured Homeowner Loans are 4.3% APR.
Does Optimum Credit do Homeowner Loans?
Yes, Optimum Credit Homeowner Loans are 4.3% APR.
Do Optimum Credit do Secured Homeowner Loans?
Yes, Optimum Credit Secured Homeowner Loans are 4.3% MER.
Does Optimum Credit offer Homeowner Loans for Bad Credit?
Yes, Optimum Credit Homeowner Loans for Bad Credit are 4.3% APR.
Do Optimum Credit do Direct Lender Secured Loans?
Yes, Optimum Credit Direct Lender Secured Loans are 4.3% APR.
Do Optimum Credit do Home Equity Lines Of Credit?
Yes, Optimum Credit Home Equity Lines Of Credit are 4.3% MER.
Do Optimum Credit do Debt Consolidation Loans?
Yes, Optimum Credit Debt Consolidation Loans are 4.3% MER.
Do Optimum Credit do Home Equity Loans?
Yes, Optimum Credit Home Equity Loans are 4.3% APRC.
Does Optimum Credit do Personal Loans?
Yes, Optimum Credit Personal Loans are 4.3% MER.
Does Optimum Credit do Unsecured Loans?
Yes, Optimum Credit Unsecured Loans are 4.3% APRC.
Do Optimum Credit Do Loan To Consolidate Existing Borrowing?
Yes, Optimum Credit Loans To Consolidating Existing Borrowing are 4.3% MER.
Consolidation Loans For Poor Credit
Do Optimum Credit Do Loan To Consolidate Existing Borrowing?
Yes, Optimum Credit Loans To Consolidating Existing Borrowing are 4.3% MER.
Does Optimum Credit offer Homeowner loans to consolidate existing debts?
Optimum Credit Homeowner loans to consolidate existing debts are 4.3% APR.
Does Optimum Credit offer secured loans with no broker fees?
Optimum Credit Secured loans with no broker fees are 4.3% APRC.
Debt Consolidation Loans Bad Credit
Does Optimum Credit offer homeowner loans with no early repayment charge?
Optimum Credit Homeowner loans with no early repayment charge are 4.3% APRC.
Does Optimum Credit offer Loans without an arrangement fee?
Yes, Optimum Credit Loans without an arrangement fee are 4.3% APR.
Mortgage lenders offer for Commercial Property, including for lousy credit
- Interest-only mortgages First Trust Bank
- Variable-rate mortgages: The Mortgage Lender
- Capped rate mortgages Bluestone Mortgages
The first and second charge lenders will want to know if the property is a semi-detached freehold house or a Leasehold house and if the occupier is an Owner-Occupier.
- Remortgages For Self Employed With 1 Year Accounts
- Masthaven Bridging
- Nationwide Equity Mortgage
- Pepper Second Mortgage
- Yorkshire Building Society Equity Release Mortgage
- Buy To Renovate Mortgage
- Bridging Loan Scotland
- Greenfield Loans
- Bridging Loan For Auction Property
- Debt Consolidation Loans
- Bridging Finance HSBC
- Short Term Financing
- Rbs Equity Release Mortgage Rates
- Hmo Mortgage
- Paragon Homeowner Loans
- Ortus Instant Bridging Loans
- Equity Release Mortgage Under 55
- Oblix Short-Term Loans
- Lowry Finance
- Non-Status Bridging Loan
- United Trust Bank Secured Loan
- 1St Stop Loans
- Quivira Commercial Bridging
- Bad Credit Loans No Brokers
- Rbs Bridging Loan Rates
- Bridging Loan Natwest
- Halifax Bridging Finance
- Halifax Building Society Mortgages
- Santander Bridging Finance Rates
- Nationwide Bridging Loans
- Best Remortgage Deals Uk
- Mortgage Times Salary
Santander Secured Loan
Metrobank Secured Loan
NatWest Bank Secured Loan
No Broker Fees Secured Loans
HSBC Bank Bridging Loans
Co-operative Bank Secured Loan
Halifax Secured Loan
Barclays Bank Secured Loan
Lloyds Bank Secured Loan
Secured Loan Brokers
https://www.optimumcredit.co.uk/
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 Finance and Leasing Association member 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.
0333 014 3125
customerservices@optimumcredit.co.uk
Optimum Credit Ltd
PO Box 1189
Uxbridge
UB8 9EF
APPLY DIRECT
0808 1969 611
retail@optimumcredit.co.uk
BROKER PARTNERS
02922 331220
broker@optimumcredit.co.uk
How much money can I get?
You can release 65% of your home’s valuation. For example, if your home is worth £190000, you can release £123500.