Leading UK second fee cost mortgage company

Be cautious before securing other debts against your house. Your property might be repossessed if you fail to continue repayments on home financing or just about any other financial obligation guaranteed onto it.

That are we?

Optimum Credit is a leading provider of 2nd fee mortgages for home owners in England, Wales and Scotland. Optimum’s method of fulfilling the wants of our clients has seen us advance funds totalling over £1bn since launching in 2014 june.

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

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

Optimum Credit can offer that you 2nd charge home loan of every quantity from ВЈ5,000 to ВЈ1,000,000. We provide competitive fixed, reduced and adjustable price items. The real rate we offer is determined by your own and individual circumstances.

We are able to give you a repayment term of 3 to 30 years at the mercy of your circumstances that are individual credit checks.

Optimum Credit could possibly offer that you 2nd fee home loan of any quantity from ВЈ5,000 to ВЈ1,000,000.

We could provide a repayment term of 3 to three decades susceptible to your circumstances that are individual credit checks.

Borrow up to 100per cent of one’s property’s value, less the current mortgage balance susceptible to a valuation that is satisfactory. Minimal home values and conditions use.

2nd fee mortgages

2nd cost mortgages can be obtained to property owners whom now have a current very first fee home loan. When you look at the way that is same your current home loan they have been secured against your home.

2nd cost mortgages in many cases are applied for to re-organise personal funds, and will enable clients to combine current financial obligation into simple to manage monthly premiums. All applications are thought 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 charge that is second from Optimum Credit, you are able to borrow as much as ВЈ1,000,000 at the mercy of your own personal circumstances and credit checks. This frequently could be much more than you can borrow by having an unsecured loan that is personal the key distinction being that the borrowing is guaranteed up against the worth of your house.

We provide competitive fixed, reduced and adjustable price products. Optimum items are available by application either straight via our completely qualified home loan advisors or through certainly one of our very very very carefully selected Broker intermediaries (both in full situations costs may use).

You may well be in a position to borrow as much as 100per cent of your property’s value, less the present mortgage balance, at the mercy of an effective valuation and a property value that is minimum.

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

We provide a simple, customer approach that is friendly both through your application procedure and after completion of one’s 2nd cost home loan. We provide you the flexibleness to help make overpayments, at any right time, without using any style of economic penalty.

It is possible to repay the second cost home loan in complete whenever you want, nevertheless very early repayment costs may use. Complete details are found in your home loan Offer document sent ahead of conclusion or into the Repayment that is‘Early section on the opposite of your Loan contract.

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Please try not to think twice to e mail us if you’re uncertain in regards to the very early payment fees on your own 2nd fee home loan account.

When you yourself have gotten home loan 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 and we shall inform you should this be the truth.

When you have gotten home loan advice from your own individual mortgage adviser, the duty for ensuring the valuation is performed, as well as having to pay the expense of it, will fall to either your home loan adviser or Optimum Credit. No cost that is additional generally arise because of a home valuation, however your home loan adviser or Optimum Credit will alert you if you need to spend some, or all this expense. A percentage of every charge which you spend your home loan adviser might consist of a feature towards the price of a residential property valuation.