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Residential Mortgages Made Simple
Looking for a mortgage that works for you, not the other way around?
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. Whether you’re buying your first home, moving house, or remortgaging, getting the right mortgage deal matters. But with hundreds of lenders and products out there, where do you even begin?
Simple, Straightforward Mortgage Advice
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.
We make it easy to find the right residential mortgage for your needs. Whether you’re employed, self-employed, or have a complex income, we take the time to understand your goals and match you with lenders who suit your situation.
We can help you:
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Compare mortgage rates and understand your options.
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Work out how much you can borrow (and afford).
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Avoid common mistakes that could delay your application.
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Secure a competitive deal with the right lender.
Home buyers and homeowners want friendly, no-pressure advice from someone who genuinely cares about helping them make the right decisions, not just getting the deal done.
Whether you are a first-time buyer trying to make sense of it all, a home-mover looking to secure your next step, or a homeowner wanting to switch to a better deal, click below to get your free guide which will help you understand what you need to get mortgage-ready, avoid delays, and secure the most suitable finance for your circumstances.
Your Mortgage, Your Way
There’s no one-size-fits-all. That’s why we focus on giving you tailored advice, real clarity, and the confidence to make smart mortgage decisions.
Take the First Step Today
You don’t have to navigate this alone. Speak to one of our expert mortgage advisers for a free, no-obligation consultation, and let’s explore your options together.
📅 Book a free consultation
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER LOANS SECURED ON IT.
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.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.