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Welcome to Optimus Mortgages
Hello. My name is Tim Spencer, The Later Life Lending Expert and the Managing Director of Optimus Mortgages Ltd. I help people live a better retirement through bespoke later-life lending, and I believe that financial solutions should be made simple for everyone.
At Optimus Mortgages, we have decades of experience in financial services, and as specialists in the later life lending market, we have access to a panel of carefully selected leading providers. We can also access the whole market, allowing us to make sure we find a suitable solution for you.
We deliver bespoke guidance and advice to our clients, and make use of the latest technology to deliver a premium level of service, whilst keeping things simple and straightforward.
You can be safe in the knowledge that you will always be dealt with by fully qualified specialists who make sure that everything is clear and free from jargon. At Optimus Mortgages, financial solutions are made simple.
Who we deal with
At Optimus Mortgages we work with three particular groups of clients. By specialising in this way we are able to deliver a premium bespoke service to our clients. Whatever you come to us for, you can be safe in the knowledge that you will always be dealt with by fully qualified specialists who make sure that everything is clear and free from jargon. At Optimus Mortgages, financial solutions are made simple.
Clients over the age of 55, looking to make use of the equity in their home to sort out an interest only mortgage that is ending, to release a tax free lump sum to pay off their debts, to give them financial stability for the future, or to help a loved one with a house deposit.
Clients who are looking at residential mortgages, either as first-time buyers, people who are looking at moving home, and people who have an existing mortgage product that is coming to an end.
Clients who have existing buy to let investment properties, who are looking to add to, or refinance their portfolio, or first-time landlords, who are looking at starting their property portfolio.
Our approach
Finding out about you and your needs
Our aim is to find out about you, your current situation, the type, and cost of the property you would like to buy or remortgage. This will help assess your circumstances and show the best way to proceed.
Searching for the best product
Once we fully understand your personal situation, our experts will search through a comprehensive range of mortgages in the marketplace to find the right one to suit your needs.
Presenting you with the solution
Once we are happy that we have the right solution for your needs, we will present this to you in an easy-to-understand document, and you can ask any questions that you may have.