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Welcome to Optimus Mortgages
At Optimus Mortgages, we have decades of experience in financial services, and as specialists in the later life lending market, we have access to a panel of carefully selected leading providers. We can also access the whole market, allowing us to make sure we find a suitable solution for you.
We deliver bespoke guidance and advice to our clients, and make use of the latest technology to deliver a premium level of service, whilst keeping things simple and straightforward.
You can be safe in the knowledge that you will always be dealt with by fully qualified specialists who make sure that everything is clear and free from jargon. At Optimus Mortgages, it's all about giving people confidence and clarity, whatever their circumstances. Basically, if you want honest, expert mortgage guidance, I’m your guy.
Hello. My name is Tim Spencer, The Lending into Later Life Expert and the Managing Director and owner of Optimus Mortgages. I help people of all ages, especially those over 55, find the right mortgage or later life lending solution to fit their unique situation. Whether you’re buying your first home, remortgaging, self-employed, or looking to unlock property wealth in retirement, I offer clear, friendly, whole-of-market advice. No jargon, no pressure, just smart, personalised guidance from someone who genuinely cares about getting you the best outcome.
Who we deal with
At Optimus Mortgages we work with three particular groups of clients. By specialising in this way we are able to deliver a premium bespoke service to our clients. Whatever you come to us for, you can be safe in the knowledge that you will always be dealt with by fully qualified specialists who make sure that everything is clear and free from jargon. At Optimus Mortgages, financial solutions are made simple.
Click on the section below that is most relevant to you for more information.
Our approach
Finding out about you and your needs
Our aim is to find out about you, your current situation, the type, and cost of the property you would like to buy or remortgage. This will help assess your circumstances and show the best way to proceed.
Searching for the best product
Once we fully understand your personal situation, our experts will search through a comprehensive range of mortgages in the marketplace to find the right one to suit your needs.
Presenting you with the solution
Once we are happy that we have the right solution for your needs, we will present this to you in an easy-to-understand document, and you can ask any questions that you may have.