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Loans and mortgages for any purpose

Straightforward, personalised solutions for a wide range of borrowers:

  • Homeowners needing renovations, extensions, or debt consolidation
  • 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
Check My Eligibility Response within minutes

This will not affect your credit score

More about Homeowner Loans Young woman sitting on a couch with her phone.

Homeowner Loans

Bring plans forward with our exclusive homeowner loans. Use them for home improvements, debt consolidation, and more.

More about Homeowner Loans
More about Equity Release An elderly couple looking at their devices.

Equity Release

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
More about Mortgages and Remortgages Two women carrying moving boxes into a home.

Mortgages and Remortgages

Reduce your current rate, consolidate debt, carry out home improvements, or help your children onto the property ladder.

More about Mortgages and Remortgages
More about Buy to Let An excited young man looking at his tablet outside.

Buy to Let

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
More about Bridging Finance Apartment complex.

Bridging Finance

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
More about Business Loans A team having a meeting around a table.

Business Loans

Flexible business loans with clear repayments and competitive terms. Ideal for growth, new premises, equipment, or cash flow.

More about Business Loans

How it works

Step 1

Quick online application

Tell us about yourself and what you’re looking for
Step 2

Personalised review

We manually assess your application, compare suitable options, negotiate with lenders, and provide a free personalised quote
Step 3

Receive your loan

If approved, funds are typically released within two weeks.
Making an application will not affect your credit score. Our soft credit check is only visible to other lenders if you decide to go ahead and complete your application.

Get Started

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.