Optima Legal Opiniões 

They have been handling my remortgage for months, yet with less than three weeks remaining before my current fixed-rate mortgage ends, I have only now been informed that an additional Help to Buy process and Deed of Postponement are required — a process they themselves say can take 6–8 weeks or potentially longer.

What makes this particularly frustrating is that the Help to Buy charge was not new information. It was visible on the property title from the beginning of the remortgage process. Despite this, the issue was not properly clarified and progressed until the last minute.

I was initially being asked for a RICS valuation and Help to Buy redemption information because their system had the case recorded as though I intended to repay the equity loan, when I actually intended to keep it in place. I now have to urgently contact Homes England myself, submit additional paperwork and pay additional fees while facing the possibility of my existing mortgage moving onto a much higher follow-on interest rate if the remortgage cannot complete in time.

Communication throughout the process has also been frustrating, with conflicting information about what was outstanding and documents being requested that had already been completed or received.

I understand that Homes England and the lender have their own processing times, which are outside Optima's control. My complaint is that a time-sensitive requirement that could potentially delay the remortgage by many weeks was not properly identified and dealt with much earlier in a case they had been handling for months.

At this stage I am having to actively manage and chase the process myself to try to prevent a potentially significant financial impact.

Based on my experience so far, I cannot recommend Optima Legal.

Absolute pleasure to deal with regarding my remortgage

Nice, easy and fast

A smooth process with minimum stress & good online systems

Brilliant service. I was kept well informed all the way through. Handled in a very professional manner

Tracker: excellent; responsiveness to queries: excellent; call centre/ telephone channel: needs improvement

Great service and very helpful

Efficient process

Speedy service, I completed in less than 1 month

Had two seamless transactions with this company. Highly recommend

I was recommended using Optima Legal for transfer of equity by Barclays four months ago.

Initially, the process looks clear and user friendly with their online tracker.

However, the process has been incredibly slow and it can take weeks for anyone to respond via their 'get in touch' page.

They also demanded I needed to pay a shortfall payment of £17000 by a deadline which had already passed. When I queried it I was told I had to pay before they would take my case any further. When I rang Barclays, they said I did not owe any money whatsoever.

When I eventually got through to someone they said 'oh yeah I can see now that might not be correct.' No apology or accountability.

I am hoping my case eventually comes to a conclusion. It seems I am no closer to a completion date.

Avoid at all costs.

Terrible service no communication, hour wait on the phone, never call back, no legal experience on call handlers. Would never use them again.

Flawless service

My husband and I found doing everything electronically was very challenging due to our age. The fact that ai and scamming is high. But once we get to human staff/s at optima legal they're very excellent, professional and experience in dealing with our mortgage. We would recommend them all.

very good service

If I could give them 0 stars I would! Completely incompetent law firm and I would never trust them to handle my mortgage again! We had a remortgage offer in place for months and on their online tracker I was made to believe everything was on track and I had provided all evidence that I needed. Then the week before the end of my current deal came along and this deal fell through. We found out because of my mortgage broker chasing things up, not Optima legal. This resulted in us
not having time to secure a new deal before our current deal ended and causing us further financial difficulties. Then, almost two weeks after it was all over, we received an email from Optima Legal giving us information that we had been given by our broker two weeks prior! The delay and lack of communication is shocking! Absolutely the worst experience which has caused me so much stress.

Generally very good, apart from wrong redemption statement request, leading to some confusion.

Contact i long and frustrating, online system is poor and prone to error. Quite frankly avoid like the plague. It's a shambles

I was frustrated twice when messaging, both times leading to delays which I believe lead to the late completion & unnecessary additional costs in added interest fees.
1. I messaged I had received the text to authenticate the signing of the deed & the response when in circles asking if I wanted to complete the deed.
2. I messaged asking if the lease I had already sent was sufficient, but got the same question I had already been asked.

In both questions, the responders had not bothered to read the previous context. Unsatisfactory.

The case number is: M922381

Superb from start to completion.
Would definitely use again.

Easy to contact, helpful, friendly and quick to respond.