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Can you get a mortgage with bad credit in the UK in 2026? A Real Story from a Declined Borrower
Can you get a mortgage with bad credit in the UK in 2026? This real client story explains how a borrower who had previously been declined secured a mortgage after receiving tailored advice from Optimus Mortgages and finding the right specialist lender.

Tim Spencer - Managing Director of Optimus Mortgages Ltd
Mar 74 min read


Can you get a mortgage after age 60? A Real Story from a Struggling Borrower
Can you get a mortgage after age 60 in the UK? This real client story explains how a homeowner in their sixties believed their options were limited before receiving tailored mortgage advice from Optimus Mortgages. Discover how the right lender and later life lending expertise helped secure a successful remortgage.

Tim Spencer - Managing Director of Optimus Mortgages Ltd
Mar 74 min read


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

Tim Spencer - Managing Director of Optimus Mortgages Ltd
May 3, 20254 min read
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