Optimum Credit specialises in secured lending and since launching in June 2014, has quickly grown to become the leading provider of second charge mortgages for homeowners in England, Wales and Scotland.

Since 2018, Optimum has been part of the Pepper Money group and continues to specialise in second charge mortgages, offering the same great service to brokers partners and customers. Optimum’s unique approach to underwriting gives an unrivalled proposition to meet the individual and personal needs of customers through bespoke pricing. Loans are available to homeowners for almost any purpose, including home improvement and debt consolidation.

  • Lending up to 95% LTV less existing mortgage
  • Loans up to £1m
  • Repayment periods from 3 to 25 years
  • No valuations required on the majority of cases
  • Competitive fixed, discounted and variable rate products

Contact TFC Homeloans to submit an application or find out more about their unique approach.