Optimus Mortgages Ltd Opiniões 

42
•
TrustScore: 4.5 em 5

4,7

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Classificada 5 em 5 estrelas

We have had a fantastic experience with Tim. He has always been incredibly quick to respond to any questions we’ve had and has taken the time to explain everything clearly, making sure we fully u... Ver mais

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Classificada 5 em 5 estrelas

Tim is fantastic at what he does. Communication was brilliant throughout, he kept me updated at every single stage and answered all my questions simply enough for me to understand. He made everything... Ver mais

A empresa respondeu

Classificada 5 em 5 estrelas

Great service from start to finish. Tim helped me with my remortgage and transfer of equity, kept me updated throughout, and made the whole process really straightforward. Friendly, professional, and... Ver mais

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Classificada 5 em 5 estrelas

Tim is always available to answer queries even out of normal hours and weekends. His instructions are clear and easy to follow. The lender he recommended was quick with decisions and Tim relaye... Ver mais

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Informações sobre a empresa

  1. Corrector hipotecário

Escrito pela empresa

Hello. My name is Tim Spencer, The Later Life Lending Expert and the Managing Director of Optimus Mortgages. I help people live a better retirement through bespoke later-life lending, and I believe that financial solutions should be made simple for everyone. I started working in the financial services industry in the 1990s but soon fell out of love with the corporate world. I set up Optimus Mortgages Ltd in 2016 as I am passionate about helping people, just like you, understand what lending options are available, but without all of the high pressure sales techniques and targets. When I turn up to see clients, I won't be wearing a sharp suit, or using a flash laptop. I use a pen and paper, and look at having a relaxed chat. I like to build up long-term working relationships with my clients, and most of my clients have been referred to me by their friends, family or colleagues who I have previously helped. At Optimus Mortgages, we have decades of experience in financial services, and as specialists in the later-life lending market, we have access to a panel of carefully selected leading providers. We can also access the whole market, allowing us to make sure we find a suitable solution for clients. We are based in County Durham, but serve the entire UK. We deliver bespoke guidance and advice to our clients, and make use of the latest technology to deliver a premium level of service, whilst keeping things simple and straightforward. You can be safe in the knowledge that you will always be dealt with by fully qualified specialists who make sure that everything is clear and free from jargon. At Optimus Mortgages, financial solutions are made simple.


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4,7

Excelente

TrustScore: 4.5 em 5

42 opiniões

5 estrelas
4 estrelas
3 estrelas
2 estrelas
1 estrela

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4,7

Todas as opiniões

(42)

14 opiniões nos últimos 12 meses

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Classificada 5 em 5 estrelas

I'm really happy with the service

I'm really happy with the service. Straight forward and Tim was always on hand to sort out ant queries

24 de setembro de 2026
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Resposta da Optimus Mortgages Ltd

Hi Ian. Thank you for your kind words, and for taking the time to leave me a review. It is very much appreciated. I am glad that I was able to secure the finance you needed, and I very much look forward to working with you again at some point in the future.

Classificada 5 em 5 estrelas

We have had a fantastic experience with…

We have had a fantastic experience with Tim. He has always been incredibly quick to respond to any questions we’ve had and has taken the time to explain everything clearly, making sure we fully understand the process.

Buying a home can be quite stressful, but his help, guidance and availability have made the whole process feel so much easier and more manageable. It’s been reassuring knowing we can contact him whenever we need to and get a prompt and helpful response.

We really appreciate all his hard work and would happily recommend him to anyone looking for a mortgage broker.

21 de setembro de 2026
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Resposta da Optimus Mortgages Ltd

Wow, what a lovely review, and thank you so much for your kind words Melissa. I am so pleased that things have gone so smoothly and quickly.

Classificada 5 em 5 estrelas

Tim helped me with my remortgage and…

Tim helped me with my remortgage and transfer that included lower interest rate.

29 de agosto de 2026
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Resposta da Optimus Mortgages Ltd

Hi Stephen. Thank you so much for taking the time to leave me a five star review. It is very much appreciated, and I am so happy that I was able to help you secure that lower interest rate.

Classificada 5 em 5 estrelas

Tim is very thorough and efficient

Tim is very thorough and efficient. His communications were all very clear and concise. I am very satisfied and happy with the service he provided.
Edmund

5 de agosto de 2026
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Resposta da Optimus Mortgages Ltd

Thank you for your kind words Edmund, it is very much appreciated. It was a pleasure working with you.

Classificada 5 em 5 estrelas

5 star trusted mortgage broker!

Tim is fantastic at what he does. Communication was brilliant throughout, he kept me updated at every single stage and answered all my questions simply enough for me to understand. He made everything feel easy and handled it all with great efficiency. Highly recommended!

28 de julho de 2026
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Resposta da Optimus Mortgages Ltd

Thank you so much for your kind words Abi. I am glad that I was able to play a small part in helping you move on with the next part of your life. I hope that your new home brings you happiness.

Classificada 5 em 5 estrelas

Great Service

Great service from start to finish. Tim helped me with my remortgage and transfer of equity, kept me updated throughout, and made the whole process really straightforward. Friendly, professional, and always happy to answer any questions. I'd definitely recommend.

30 de julho de 2026
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Resposta da Optimus Mortgages Ltd

Thank you for your kind words Sam. It was a pleasure to be able to help you, and I look forward to doing so again in the future.

Classificada 5 em 5 estrelas

Tim is always available to answer…

Tim is always available to answer queries even out of normal hours and weekends.
His instructions are clear and easy to follow.
The lender he recommended was quick with decisions and Tim relayed them instantly.
The conveyance solicitor was equally efficient and whilst at first I was concerned about doing 90% of the work on an app it turned out to be easy, time saving and most importantly money saving.
I would have no hesitation in recommending Tim at Optimus.

6 de julho de 2026
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Resposta da Optimus Mortgages Ltd

Thank you so much for your kind words and for taking the time to leave a review. It was a pleasure working with you and I look forward to doing so again in the future.

Classificada 5 em 5 estrelas

I was very happy with the mortgage deal…

I was very happy with the mortgage deal that tim found for us, he is trustworthy, reliable and offers a very efficient service, we wouldn't seek advice from anyone else. Thanks tim.

22 de junho de 2026
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Resposta da Optimus Mortgages Ltd

It is an absolute pleasure Becky! I am delighted that you are happy with what I did for you, and really appreciate you taking the time to write such a lovely review for me.

Classificada 5 em 5 estrelas

Tim was pure class through the whole…

Tim was pure class through the whole remortgage process. I've dealt with Tim for over 15 years and I would not go anywhere else for mortgage and financial advice. The man is a genius!!

23 de junho de 2026
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Resposta da Optimus Mortgages Ltd

Hi Steven. Thank you so much for the kind words and taking the time to leave me a review. It is much appreciated. I am glad as always to have been able to help you and Becky.

Classificada 5 em 5 estrelas

First Time Buyer

As a first time buyer, I felt Tim’s knowledge really helped me. Although I didn’t not occur any complications, I feel as though my application ran really smoothly. Tim was recommended to me by a friend.

13 de junho de 2025
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Resposta da Optimus Mortgages Ltd

Thank you so much for your kind words Holly. It was a pleasure to help you buy your first home, and I hope that you have settled in well!

Classificada 5 em 5 estrelas

Tim helped us with taking out an additional mortgage

Tim helped us with taking out an additional mortgage to run alongside our existing one and the whole process from start to finish was seamless.
Despite being on holiday when we initially contacted him, he sorted us a great deal with our current lender and took care of everything, the whole process was straightforward and done in a timely manner.
We would thoroughly recommend Tim and Optimus mortgages and we'll definitely be using them again.

20 de março de 2026
Opinião espontânea
Classificada 5 em 5 estrelas

Tim worked wonders dealing with a…

Tim worked wonders dealing with a tricky lender. Tim was clear in his communication. always responded to questions and worked with me to secure extra funding. A joy to work with and would definitely recommend.

27 de janeiro de 2026
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Resposta da Optimus Mortgages Ltd

Thank you so much for your kind words Pete. I am so pleased that we finally managed to get this over the line for Jill. I look forward to helping you both again in the future.

Classificada 5 em 5 estrelas

Highly Recommended!

Tim was really great in helping me secure a new mortgage. Comms were great on his side and he even followed up. He answered all my questions and went above and beyond to move me onto a lower rate when it changed. Very highly recommended!

17 de dezembro de 2025
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Resposta da Optimus Mortgages Ltd

Thank you for your kind words Tony. I am glad that I was able to reduce your interest rate not once, but twice prior to completion! A great result!

Classificada 5 em 5 estrelas

Tim was very helpful with my situation…

Tim was very helpful with my situation and gave good advice,

26 de novembro de 2025
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Resposta da Optimus Mortgages Ltd

Hi Karen. Thank you so much for taking the time to post a review for me. I am glad that, even though I wasn't able to directly assist you, you found my advice to be helpful. Please let me know if I can be of assistance again in the future.

Classificada 1 em 5 estrelas

Brokers beware

Brokers beware! As a fellow broker, of 30 years standing, I referred an equity release case to Tim Spencer last year ( He had approached me earlier, touting for business, at an Industry event ) I understand referrals from fellow brokers is a large part of his income stream. In these scenarios Brokers share the fees/commission, usually 50/50. As I was very busy I never got around to confirming the terms of referral, I trusted Tim that a fair fee split would be on offer. Some time after completion of the case I contacted Tim to see what my fee would be and when to expect it. He earned circa £ 1500 for this. I was told that the max fee was £ 250. However, as I was busy with another mortgage for MY client, his terms were that he would not pay anything for the referral. I assume he deemed that he was effectively doing me a favor and in those circumstances he was paying me nothing!! ZERO v £ 1500. At no stage was any of this divulged to me. He has point blank refused to pay me any introduction fee at all. I could have clearly have used one of the many reputable equity release brokers in the field ( Like Age Partnership ) who split the fee. Its not even about the money anymore , it's about the principle. Never know anything like it, fellow professionals you have been warned...

1 de julho de 2025
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Resposta da Optimus Mortgages Ltd

Whilst Optimus Mortgages appreciates all feedback, it’s important to clarify the facts.

The above review is not from a customer, but another mortgage adviser. His name is Steve Jackson, and he is from a company called Jackson Potter in Sunderland.

For absolute clarity, under the Financial Conduct Authority (FCA) Consumer Duty that was introduced in 2023, if an adviser is not qualified, or doesn’t have the authority, to advise on any area of financial advice, they are expected to refer the client to an alternative adviser who is able to help. Mr Jackson approached me with a case as he had already tried an alternative adviser who was not able to help, and the client was about to lose the property. Not only was I able to help the client, I also assisted with instructing the necessary conveyancing to prevent the case collapsing as Mr Jackson was unable to do that either.

At no point in the process, which due to circumstances took nearly a year, from Mr Jackson’s initial plea to me to help, until completion, did Mr Jackson ask for or even mention referral fees.

As a business, Optimus Mortgages has never asked for a referral fee from another adviser or stakeholder if a client has had to be referred elsewhere. Inevitably if a firm is asked to pay a referral fee, it is the client who shoulders the cost, and I do not want any of my clients to have additional costs that are born out of greed from an adviser.

Optimus Mortgages is proud of its service standards, its treatment of customers and other stakeholders in a client’s mortgage journey, all of whom support us honestly. Constructive, and honest reviews are always welcome, but childish and spiteful reviews from a competitor, who has messed up by not asking about referral fees, and has then subsequently sent threatening emails, and has posted negative reviews on customer review sites, says more about the reviewer than Optimus Mortgages.

Classificada 5 em 5 estrelas

Prompt advice

20 de janeiro de 2025
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Resposta da Optimus Mortgages Ltd

Thank you for leaving a review for Optimus Mortgages. As always it was lovely to catch up with you and I am delighted that I was able to help you again arranging your mortgage.

Classificada 5 em 5 estrelas

Top quality, trustworthy service!

I worked with Tim to secure a buy to let mortgage on my property in what was a multi faceted lending case and Tim's service was second to none. He was incredibly responsive and went the extra mile with the lender to ensure that I was able to secure the funding I required.

1 de setembro de 2024
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Resposta da Optimus Mortgages Ltd

Thank you for your kind words Josh. It is very much appreciated, and I look forward to working with you again soon.

Classificada 5 em 5 estrelas

Highly recommended

Tim was professional and friendly throughout the process. He was happy to spend time explaining the process and answering any questions. There was no pressure on us to accept his recommendations and he gave us plenty of time to consider our options. More than happy with his service and would recommend him to anyone thinking of equity release.

23 de outubro de 2024
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Resposta da Optimus Mortgages Ltd

Thank you for your kind words David. It was a pleasure to be able to help you and Valerie.

Classificada 5 em 5 estrelas

Awesome Service!

Tim is amazing! He sorted my remortgage literally overnight when I’d left it so late that I was facing a huge hike in payment at the end of the month!! I can’t recommend Tim enough, supportive and patient, and I feel totally confident in his ability to get the best deal for me everytime! Thank you Tim, grateful to you as always.

16 de setembro de 2024
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Resposta da Optimus Mortgages Ltd

Thank you for your kind words Jane, it is very much appreciated. I am glad I managed to get things sorted for you so smoothly.

Classificada 5 em 5 estrelas

We cannot speak highly enough of Tim…

We cannot speak highly enough of Tim Spencer’s efficiency and empathy.He was recommended to us at a particularly stressful time and immediately put our minds at rest.

1 de agosto de 2024
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Resposta da Optimus Mortgages Ltd

Thank you so much for your kind words Dee. I am glad that you and Andy have got the conclusion you were looking for, even if it did take a while. I will be delighted to help you both again in the future.

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