In the market for Personal Finance?
Helping you secure loans and mortgages for any purpose
- Options for all financial situations
- Loans from £10,000 – £500,000
- All credit scores considered
- No upfront fees
This will not affect your credit score
Rates from 6.59% – 26.3%
12.6% APRC (Variable)
Terms from 3 to 30 years
Bring plans forward with our exclusive homeowner loans. Use them for home improvements, debt consolidation, and more.
More about Homeowner Loans
Access cash from your home while staying in it, with equity release and later-life mortgages for homeowners aged 55 and over.
More about Equity Release
Reduce your current rate, consolidate debt, carry out home improvements, or help your children onto the property ladder.
More about Mortgages and Remortgages
Funding solutions for landlords expanding their portfolio, buying their first property, or renting out a home they’ve moved from.
More about Buy to Let
Secure short-term bridging finance quickly. Our lender panel allows us to find competitive solutions, often producing terms within the hour.
More about Bridging Finance
Flexible business loans with clear repayments and competitive terms. Ideal for growth, new premises, equipment, or cash flow.
More about Business LoansA straightforward process
How it works
Quick online application
Tell us about yourself and what you’re looking forPersonalised review
We manually assess your application, compare suitable options, negotiate with lenders, and provide a free personalised quoteReceive your loan
If approved, funds are typically released within two weeks.Reviews
I was amazed at how swiftly the whole process was from start to finish. I thought it was so reassuring to have a member of staff take me through the process.
Service from beginning to end to excellent. Very professional and excellent customer service. Steve made the whole process positive.
We couldn’t have wished for a better service. Excellent.
Why choose Optimise Finance?
We manually underwrite every application, rather than relying on automated systems, allowing us to tailor loans to your individual circumstances. With over 150 years of combined industry experience, our team can guide you through the full range of financial products and match you with options that suit your situation. Every quotation is free and confidential, giving you clear information to make informed decisions with confidence.
We are directly authorised by the Financial Conduct Authority and can help whether you’re employed, self-employed, retired, have adverse credit, or require support with more complex circumstances.
More About Us
Lending Partners
We’ve built strong relationships with some of the UK’s best (and niche) lenders, allowing us to offer competitive products and tailored terms with confidence.
With access to multiple lender panels, we can act quickly and without delay, and we’re often able to source products where other brokers say no.
Find out if you qualify for Personal Finance now
This will not affect your credit score
