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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.


£495.00 of the Advice Fee is paid at the point of application for the Later Life Lending plan or Mortgage. £995.00 is payable on completion of your Later Life Lending plan or mortgage. The total Advice Fee payable to Optimus Mortgages Ltd is £1,490.00.

Payment of the full Advice Fee entitles you to free annual reviews, and any future transactions are also free.

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.

Equity Release may not be suitable for everyone.

Releasing capital from your property, will reduce the amount of inheritance that can be left and may impact the receipt of any means-tested benefits.

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

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