Our aim is always to give you a 2nd charge mortgage that meets your own and personal circumstances.

A variety of adjustable, fixed and reduced price charge that is second available either by making use of straight via our completely qualified home loan advisors or through certainly one of our very carefully chosen broker intermediaries.

    Borrow from ?5,000 to ?1,000,000

    Payment periods from 3 to three decades

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    Borrow as much as 100percent of the property’s value (less your existing mortgage)

Susceptible to your circumstances that are individual

That are we?

Optimum Credit is just a leading provider of 2nd cost mortgages for property owners in England, Wales and Scotland. Optimum’s approach to fulfilling the wants of our clients has seen us advance funds totalling over ?1bn since launching in 2014 june.

Situated in Cardiff and Uxbridge, you can expect a variety of adjustable, fixed and reduced 2nd cost mortgages and that can be sent applications for by speaking right to certainly one of our completely qualified home loan advisors or approaching certainly one of our very very very carefully chosen Broker Intermediaries (both in situations charges may use).

Our aim is always to offer you a 2nd charge mortgage that meets your own personal and private circumstances.

Optimum Credit could possibly offer you a charge that is second of any quantity from ?5,000 to ?1,000,000. You can expect competitive fixed, reduced and adjustable rate services and products. The actual rate we provide depends on your own and individual circumstances.

We are able to provide a payment term of 3 to three decades susceptible to your specific circumstances and credit checks.

Optimum Credit can offer that you 2nd fee home loan of every quantity from ?5,000 to ?1,000,000.

We could give you a payment term of 3 to 30 years at the mercy of your specific circumstances and credit checks.

Borrow as much as 100percent of one’s property’s value, less the prevailing mortgage balance at the mercy of a satisfactory valuation. Minimum home values and conditions use.

2nd cost mortgages

2nd fee mortgages can be found to home owners whom actually have a preexisting charge mortgage that is first. Within the same manner as your current home loan these are generally guaranteed against your home.

2nd fee mortgages tend to be applied for to re-organise individual funds, and may enable clients to combine current financial obligation into simple to handle monthly premiums. All applications are believed and evaluated separately however you probably know that whenever consolidating current credit this could result you repay in you extending the repayment term of your debt and could increase the total amount.

With a 2nd cost home loan from Optimum Credit, you are able to borrow as much as ?1,000,000 susceptible to your own personal circumstances and credit checks. This usually could be much more than you might borrow by having an unsecured loan that is personal the primary distinction being that the borrowing is guaranteed from the value of your property.

You can expect competitive fixed, reduced and rate that is variable. Optimum items are available by application either straight via our completely qualified home loan advisors or through certainly one of our very very carefully selected Broker intermediaries (both in instances charges may apply).

Perhaps you are in a position to borrow as much as 100per cent of the property’s value, less the prevailing mortgage balance, susceptible to a reasonable valuation and a minimal home value.

One of our qualified home loan advisers will talk about your particular needs with you before recommending a suitable home loan from Optimum’s item range based on your own personal circumstances and requirements.

We provide a simple, client approach that is friendly both through your application procedure and after conclusion of one’s 2nd fee home loan. We provide you the flexibleness in order to make overpayments, at any right time, without applying any style of monetary penalty.

You are able to repay your next fee home loan in complete whenever you want, nevertheless very very early payment costs may use. Complete details are found in your home loan Offer document sent ahead of conclusion or perhaps into the ‘Early Repayment Section’ on the opposite of your Loan contract.

Please usually do not think twice to call us if you’re uncertain concerning the repayment that is early in your 2nd cost home loan account.

When you yourself have gotten mortgage advice straight from us, we have been accountable for making sure the valuation is performed and we’ll spend the price of it. In restricted circumstances you may want to spend some, or all this expense so we shall inform you should this be the scenario.

It, will fall to either your mortgage adviser or Optimum Credit if you have received mortgage advice from your personal mortgage adviser, the responsibility for ensuring the valuation is carried out, and for paying the cost of. No cost that is additional ordinarily arise due to a home valuation, however your home loan adviser or Optimum Credit will alert you if you want to spend some, or all this expense. A percentage of every cost which you spend your home loan adviser might add a component to the price of home valuation.