Getting a mortgage can be a challenging and complicated process. That 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 mortgage advice appropriate to any individual that contacts us.
You’ve been onto all the property search websites, and have found the house of your dreams, but can you actually buy it?
Buying a home is a big step, and one of the key elements in making it a smooth process is ensuring that you’re in a strong, proceedable position. Estate agents and sellers are far more likely to accept an offer when they know you're fully prepared, and part of that preparation involves working with a mortgage broker. If you're not ready yet, don’t worry, this guide will help you gather everything you need to get there.
Our Fees
At Optimus Mortgages we believe in being competitive and transparent on fees.
For all cases, our initial consultation is free, and you will not be asked to pay a fee until we are ready to submit the application on your behalf.
For a standard mortgage, a broker fee of £490.00 is payable in total. £195.00 is payable when you apply for a mortgage product and the remaining fee amount of £295.00 is payable on completion of the mortgage application. We will also be paid a commission from the lender / company that places a charge against / buys your home.
All future advice is fee-free. Any future mortgage applications will attract a reduced broker fee amount of £295.00 which will be payable on completion of the mortgage application.
For a Buy to Let mortgage, a broker fee of £990.00 is payable in total. £495.00 is payable when you apply for a mortgage product and the remaining fee amount of £495.00 is payable on completion of the mortgage application. We will also be paid a commission from the lender / company that places a charge against / buys your home.
All future advice is fee-free. Any future mortgage applications will attract a reduced broker fee amount of £495.00 which will be payable on completion of the mortgage application.
For a specialist mortgage, a broker fee of £1,490.00 is payable in total. £495.00 is payable when you apply for a mortgage product and the remaining fee amount of £995.00 is payable on completion of the mortgage application. We will also be paid a commission from the lender / company that places a charge against / buys your home.
There are additional services and processes that you will need to pay for, such as solicitor’s fees, the lender’s application fee and surveyor’s valuation fee and these are additional expenses of which you need to be aware.
Optimus Mortgages work for you, not the lender, or anyone else. When you pay for later-life lending or mortgage advice rather than using a ‘free’ service, or going direct, you can trust that everything we do is in your best interests. Your personal mortgage 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 later-life lending plan or mortgage.
