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Think Carefully

Optimise Finance are a broker, not a lender.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.

Warning: Late repayment can cause you serious money problems. For help go to moneyhelper.org.uk.

Low Rate Loan

If you borrow £30,000 over 240 months with a Fixed rate of 7.00%. Paying 240 monthly instalments of £271.81. Total amount payable of £65234.40 comprised of loan amount (£30,000); interest (£30189); broker fee (£3,750); lender fee (£1295). This would result in an overall cost of 9.49% APRC.

Representative Example

If you borrow £30,000 over 180 months within Interest rate: 9.25 %. Fixed for 5 years from completion of the loan, & then a variable rate, currently 9.75% for the rest of the term.. £353.53 during the initial fixed-rate period of 60 months & thereafter £363.89 when the rate will be variable. The variable payment shown will differ should the rate change. Total amount payable of £64,878.60 comprised of the loan amount (£30,000); interest (£30528.60); broker fee (£3,750); lender fee (£600). This would result in an overall cost of 12.6% APRC.

Optimise Finance is authorised and regulated by the Financial Conduct Authority as a loan and credit broker. Only upon completion a broker fee of up to 12.5% will be added to secured loans. Secured loans are secured on your property.

All quotations are provided for free and there are no upfront fees.