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How Buying A Pizza Can Affect Your Mortgage Application

First-time buyers, take note — ordering a pizza on credit could influence your mortgage chances. Here’s what you need to know. In recent years, buy now, pay later (BNPL) providers such as Klarna have made it easier than ever to spread the cost of online shopping. For many, it feels like a harmless, flexible way to manage money. But if you're planning to get on the property ladder, it’s important to understand how Klarna, and other similar services, might affect your mortgage

First Time Buyers

Tim Spencer - Managing Director of Optimus Mortgages Ltd

May 34 min read

Top 10 Mistakes First-Time Buyers Make and How to Avoid Them

Top 10 Mistakes First-Time Buyers Make and How to Avoid Them

Top 10 Mistakes First-Time Buyers Make and How to Avoid Them

Discover the top 10 mistakes first-time buyers make and learn how to avoid them.

First Time Buyers

Tim Spencer - Managing Director of Optimus Mortgages Ltd

Nov 23, 20245 min read

How Will the Bank of England Base Rate Cut Impact You?

How Will the Bank of England Base Rate Cut Impact You?

How Will the Bank of England Base Rate Cut Impact You?

The Bank of England has reduced its base rate from 5% to 4.75%. This blog covers what the reduction could mean for you.

Bank of England

Tim Spencer - Managing Director of Optimus Mortgages Ltd

Nov 7, 20242 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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