Optimum Credit

Based in Cardiff, Optimum Credit is a leading provider of second charge mortgages for homeowners in England, Wales and Scotland. Optimum’s approach to meeting the needs of their customers has seen them advance funds totalling over £300m since launching in June 2014. They offer a range of variable, fixed and discounted second charge mortgages.

Depending on your personal circumstances, Optimum Credit could offer you a second charge mortgage of any amount from £7,500 to £500,000 with repayment terms of 3 to 25 years.