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Provide advice and service that makes the whole process of arranging a mortgage as simple and straightforward as possible.

I DON'T CHARGE ADVICE FEES - I am paid by lenders and insurers, not by you. Whole of market advice, to find the most appropriate solution for your individual circumstances. I run a private practice in association with The Right Mortgage national network

We take the confusion away and work for YOU not the Lenders!

We are here to help throughout the entire process; from viewing properties at the very beginning, right through until the day your mortgage completes.

Introducing Our Award-Winning Team: Specialists in Mortgages, Equity Release, and Second Charges. Join thousands of satisfied clients who have trusted us with their financial futures. With over 2,500 glowing Trustpilot reviews.

We are here to help throughout the entire process; from viewing properties at the very beginning, right through until the day your mortgage completes.

Hi! My name is Tim Spencer, The Later Life Lending Expert and the Managing Director of Optimus Mortgages. I help people live a better retirement through bespoke later-life lending, and I believe that financial solutions should be made simple for everyone.

We are passionate about the customer journey and putting your needs first. We are widely recognised for specialising in complex and intricate mortgages using our in-depth market knowledge.

We are a family run business offering a mortgage review service that is representative of the whole of the market as well as insurance products from an established panel of providers. Both Directors have over 25 years’ experience in Financial Services.

We are passionate about the customer journey and putting your needs first. We are widely recognised for specialising in complex and intricate mortgages using our in-depth market knowledge.