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If you are a homeowner aged 55 or over, you could benefit from releasing a lump sum of tax-free money from the value of your home with the help of an equity release plan.
Later life borrowing can seem like a challenging and complicated process, which is why you need regular access to expert guidance and support from people you know you can trust.
Optimus Mortgages are committed to helping you fully understand the broad range of options available, so that you can work with us to make an informed decision about the product that is most suited to your individual requirements. Be reassured that our style is to guarantee reliable retirement solutions appropriate to any individual that contacts us.
With Optimus Mortgages, financial solutions are made simple.
Equity release may involve a home reversion plan or lifetime mortgage which is secured against your property. To understand the features and risks ask for a personalised illustration.
Equity Release
Is Equity Release regulated? Is Equity Release safe?
What can Equity Release be used for?
How much could I release with Equity Release?
Will I still own my home with Equity Release?
Can I get Equity Release if I already have a mortgage?
Do I have to make monthly payments with Equity Release?
Could my family inherit my Equity Release debt?
How much does Equity Release cost? Is Equity Release expensive?
What should I expect from my Equity Release appointment?
Is Equity Release right for me?
Why choose Optimus Mortgages?
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Our initial consultation is completely free, and there is absolutely no obligation to proceed.
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We have decades of experience in financial services, and being completely independent and whole of market lifetime mortgage brokers means that we are not tied to any lender or third party, allowing us to make sure we get you the best deal.
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You will be designated your own dedicated specialist equity release adviser, with their own direct email and telephone number, so you can be confident that you will always be dealing with the same person.
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Our fully qualified equity release specialists will always deal with you in plain English, not jargon.
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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.
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We offer a competitive and transparent fee structure.
Our Fees
We believe in being competitive and transparent on fees. Your initial equity release consultation is free, and you will not be asked to pay a fee until we have submitted an application on your behalf. There is an Application Fee of £395.00 which is payable prior to application and our Broker Fee of £995.00 is payable on completion of your mortgage.
Optimus Mortgages work for you, not the lender, or anyone else. When you pay for equity release advice rather than using a ‘free’ service, or going direct, you can trust that everything we do is in your best interests. Your personal equity release adviser learns everything they need to know about your circumstances, so they can find you the best rates for your situation. We could potentially save you up to tens of thousands throughout the term of your mortgage.
Use our free calculator
See how much tax-free cash you could release from your home with our our free equity release calculator
Speak to an adviser
Book an appointment with a specialist adviser at a time that is good for you
Optimus Mortgages offer lifetime mortgages, which is a loan secured against your home. Equity release will reduce the value of your estate and may affect your entitlement to means-tested benefits.
See how much tax-free cash you could release from your home with our free equity release calculator
Fast, easy and secure - No obligation to proceed