Securing Loans since 2009
With 150 years of combined industry experience, Optimise Finance specialises in Homeowner Loans, Mortgages and Equity Release. We have built strong relationships with some of the UK’s best lenders, allowing us to offer competitive products and tailored terms with confidence.
We’re here for you whether you’re employed, self-employed, retired, or have adverse credit — and we can help with special circumstances too.
Contact UsHow and who we help
Optimise Finance provides straightforward, personalised solutions for a wide range of borrowers:
Homeowners seeking loans for Debt Consolidation, renovations or extensions
Later-life borrowers exploring Equity Release or Lifetime Mortgage options
Businesses needing commercial finance, bridging loans, or buy-to-let funding
Applicants with unique circumstances, including adverse credit, complex incomes, or self-employment
Our advisors guide you every step of the way, making the process simple, clear, and hassle-free.
View All Finance ProductsWhy choose us
With extensive industry experience, our team has the knowledge and expertise to guide you through our full range of financial products. We have built strong, long-standing relationships with a representative panel of lenders, providing you access to some of the most competitive products and terms available in the UK.
Our advisors personally review each application and negotiate with lenders to find the best solution for your circumstances. This ensures a tailored yet fast, transparent process with competitive rates, available for borrowers with good, average, or adverse credit.
Simple and quick online application
Decisions based on your full situation, not just credit
Loans available for good, average, and poor credit profiles
About us
Established in 2009, Optimise Finance is an independent finance broker with a representative whole-of-market panel covering secured loans and equity release/lifetime mortgages.
We value customer service and take pride in matching every client with a suitable loan. As a specialist broker, we work with our lenders to secure competitive terms quickly while providing clear guidance tailored to your individual circumstances.
We are regulated by the Financial Conduct Authority and the Equity Release Council, and are a board member of the Association of Finance Brokers.
05227617
Company number
724841
FCA reference number
Z1952834
ICO registration number
Think Optimise Finance can help you?
No matter what loan you are looking for, we endeavour to find the most appropriate loan for you.
Check My EligibilityThis will not affect your credit score
