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Tim Spencer - Managing Director of Optimus Mortgages Ltd
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Join date: Aug 30, 2021
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Hi, My name is Tim Spencer, the Managing Director of Optimus Mortgages Ltd. I help people achieve their financial freedom through
equity release and later life lending.
Posts (39)
Mar 14, 2026 ∙ 4 min
How Long After a Default Can I Get a Mortgage?
How long after a default can you get a mortgage in the UK? A real client story showing how specialist lenders and tailored advice helped secure a mortgage after poor credit.
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Mar 13, 2026 ∙ 4 min
Can First-Time Buyers Get a Mortgage with Bad Credit? A Confused Buyer’s Real Story
Can first-time buyers get a mortgage with bad credit? Read a real UK case study showing how a rejected first-time buyer secured a mortgage through specialist lenders with help from Optimus Mortgages.
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Mar 13, 2026 ∙ 5 min
Confused About Moving in Retirement? Can You Use Equity Release to Buy a New Home in the UK in 2026?
Can you use equity release to buy a new home in the UK in 2026? This real client story shows how a retired couple used a lifetime mortgage to move closer to family. Learn how later life lending works, which UK lenders offer it, and how specialist advice from Optimus Mortgages helped them successfully move home.
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