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 our customers has seen us advance funds totalling over £300m since launching in June 2014.

Based in Cardiff, we offer a range of variable, fixed and discounted second charge mortgages which can be applied for by speaking directly to one of our fully qualified mortgage advisors or approaching one of our carefully selected Broker Intermediaries.

Our aim is to provide you with a second charge mortgage that meets your individual and personal circumstances