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Couple receiving house keys after securing a mortgage with bad credit UK specialist lender

Couple receiving house keys after securing a mortgage with bad credit UK specialist lender

Which lenders offer mortgages with bad credit?

Struggling to get a mortgage due to bad credit? Discover which UK lenders may still approve you and how Optimus Mortgages helps turn declines into approvals.

Adverse Credit Mortgages

Tim Spencer - Managing Director of Optimus Mortgages Ltd

Mar 214 min read

UK homeowner reviewing remortgage options with interest rates at 3.75 percent

UK homeowner reviewing remortgage options with interest rates at 3.75 percent

UK Remortgage Advice: What the Latest Bank of England Rate Hold Means for You

The Bank of England has held interest rates at 3.75%, but what does this mean for your remortgage or home move? Discover how current UK mortgage trends could affect your next decision and why timing matters more than ever.

Tim Spencer - Managing Director of Optimus Mortgages Ltd

Mar 194 min read

Woman successfully securing a mortgage after a past default with help from Optimus Mortgages.

Woman successfully securing a mortgage after a past default with help from Optimus Mortgages.

How Long After a Default Can I Get a Mortgage?

How long after a default can you get a mortgage in the UK? A real client story showing how specialist lenders and tailored advice helped secure a mortgage after poor credit.

Adverse Credit Mortgages

Tim Spencer - Managing Director of Optimus Mortgages Ltd

Mar 144 min read

Why choose Optimus Mortgages?

Our initial consultation is completely free, and there is absolutely no obligation to proceed.

We have decades of experience in financial services, and as specialists in this 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.

You will be designated your own dedicated specialist adviser, with their own direct email and telephone number, so you can be confident that you will always be dealing with the same person.

Our fully qualified specialists will always deal with you in plain English, not jargon.

With our easy to use client portal you can receive updates on the progress of your application 24 hours a day, seven days a week, as well as being able to securely upload and review documents.

We offer a competitive and transparent fee structure.

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Optimus Mortgages is authorised and regulated by the Financial Conduct Authority. The Financial Services Register number is 945578.

Registered office address for Optimus Mortgages Ltd is 15 Raven Court, Shildon, County Durham DL4 2GX. Registered in England and Wales No.10277354.

The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK. Should you have cause to complain, and you are not satisfied with our response to your complaint, you may be able to refer it to the Financial Ombudsman Service, which can be contacted as follows:

The Financial Ombudsman Service, Exchange Tower, London, E14 9SR www.financial-ombudsman.org.uk

Phone calls may be recorded for training and monitoring purposes.

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