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Meet our Managing Director

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Hello. My name is Tim Spencer, The Later Life Finance Expert. I help people live a better retirement through bespoke later-life lending. I am the Managing Director of Optimus Mortgages Ltd. and I believe that financial solutions should be made simple for everyone.
I started working in the Financial Services industry in the 1990s and I have a wealth of experience in helping clients work towards financial freedom. I set up Optimus Mortgages Ltd in 2016 as
I am passionate about helping people, just like you, understand the regulated financial products that are currently available. I specialise in later life financial solutions for clients who are looking to make use of the equity within their property, but I also help clients with their residential mortgage and buy to let mortgage needs.

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I like to sleep at night knowing our clients are happy, so here are my promises to you:

  • Optimus Mortgages Ltd are not tied to any lender - We work for you

  • We will explore all the alternatives to any finance with you

  • We won't charge you a penny for our time if you don't take any finance we recommend

  • We will only recommend you take finance where it is in your best interest to do so

To arrange your consultation, complete the online form, or call us on 0191 3719271.

Tim in the spotlight

My proudest moment as an adviser

"Starting and growing Optimus Mortgages. It had been my ambition to run my own company for a number of years, so taking the leap of faith is something I will always be proud of."

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Discover why millions of home owners aged 55+ are releasing equity for their retirement

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