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... Leggi di più
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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... Leggi di più
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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... Leggi di più
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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
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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... Leggi di più
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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.
15 Raven Court, DL4 2GX, Shildon, Regno Unito
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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

Risposta di Optimus Mortgages Ltd
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!

Risposta di Optimus Mortgages Ltd
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.

Risposta di Optimus Mortgages Ltd
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.

Risposta di Optimus Mortgages Ltd
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.

Risposta di Optimus Mortgages Ltd
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!!

Risposta di Optimus Mortgages Ltd
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.

Risposta di Optimus Mortgages Ltd
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.
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.

Risposta di Optimus Mortgages Ltd
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!

Risposta di Optimus Mortgages Ltd
Tim was very helpful with my situation and gave good advice,

Risposta di Optimus Mortgages Ltd
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...

Risposta di Optimus Mortgages Ltd
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.

Risposta di Optimus Mortgages Ltd
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.

Risposta di Optimus Mortgages Ltd
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.

Risposta di Optimus Mortgages Ltd
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.

Risposta di Optimus Mortgages Ltd
Tim is the ultimate professional and guided us through the various options in a clear and structured manner that was easy to understand. Faultless service provided throughout.

Risposta di Optimus Mortgages Ltd
We were really struggling with our lifetime mortgage release application, a short phone call to Tim of Optimus Mortgages gave us some much needed support. Within a few hours Tim had managed to find out more information which eased our minds. Tim went above and beyond over the following few weeks, in contact with regular updates and not just inside general working hours. We can't thank Tim enough for his guidance assistance and will not hesitate to use his services again.

Risposta di Optimus Mortgages Ltd
Just had a bit more equity release through Optimus Mortgages, and Tim ( spencer) makes the process so smooth and frankly an enjoyable experience.
Couldn't recommend him enough.

Risposta di Optimus Mortgages Ltd
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