Mortgages and Remortgages
From £50,000–£1,500,000
Tailored mortgage solutions to reduce your current rate, consolidate debt, carry out home improvements, or help your children onto the property ladder.
- Best rates for niche and prime mortgages
- Comprehensive panel of specialist lenders
- Products sourced to your personal circumstances
- Options available for less-than-perfect credit histories
This will not affect your credit score
First Charge Mortgage
A First Charge Mortgage is the primary loan secured against your property. When you buy a home, this is the main mortgage you take out with a lender. The term “first charge” means the lender has the first legal claim on the property if repayments are not met.
Benefits
- Get on the Property Ladder: Especially helpful for first-time buyers who can’t afford to buy outright.
- Build Equity: As you repay and your property value potentially grows, your ownership increases.
- Fixed or Flexible Repayment options: Choose between stable fixed rates or variable rates that may reduce your costs.
- Long-Term Security: Owning a home offers stability and can be a strong long-term investment.
- Access to Government Support: Many buyers can benefit from schemes such as Shared Ownership.
Remortgages
A Remortgage involves switching your existing mortgage to a new deal, either with your current lender or a new provider. It typically means paying off your current mortgage with a new mortgage agreement.
Potential benefits
- Lower Interest Rates: Reduce monthly repayments by switching to a better deal.
- Access Equity: Release funds for home improvements, debt consolidation, or other major expenses.
- Avoid Standard Variable Rates: Avoid being moved to a potentially higher variable rate when your deal ends.
- More Suitable Terms: Adjust the mortgage term, change between fixed or variable rates, or add/remove borrowers.
- Debt Consolidation: Combine multiple debts into one manageable repayment, often at a lower interest rate.
If you’re looking for an affordable Any Purpose Remortgage, Optimise Finance can provide highly competitive quotes.
How it works
Quick online application
Tell us about yourself and what you’re looking to achievePersonalised review
We’ll assess your application, compare suitable products, and negotiate with lenders on your behalfReceive your finance
If approved, funds are typically released within two weeksThis will not affect your credit score
Customer Review
Why choose Optimise Finance?
Extensive experience
Our advisors hold specialist qualifications to source products tailored to your circumstances
Broad access
Our wide lender panel includes specialist providers offering competitive options, even with less-than-perfect credit
Approved and authorised
We are directly authorised by the Financial Conduct Authority
Besides, we handle the paperwork and manage the process to keep everything as smooth and stress-free as possible.
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