Michael Bradley
Senior Mortgage Adviser
CeMAP qualified with more than 25 years' mortgage experience. Leads our team of advisers across first-time buyer, home mover, remortgage and complex residential cases.
Optimum Mortgages is a residential mortgage broker led by Michael Bradley, a CeMAP qualified adviser with more than 25 years' mortgage experience. Our team searches the whole market for first-time buyers, home movers, remortgages and more complex cases. You pay no broker fee — we're paid by the lender when your mortgage completes, and we share part of that fee with you as cashback on every mortgage, including product switches.
From your first home to your forever home — and every remortgage in between. Whatever your circumstances, we search the whole market for the deal that fits.
When your mortgage completes, the lender pays us a procuration fee. Most brokers keep all of it. We don't: we share part of it with you as cashback — on every mortgage we arrange, including product switches (rate switches) with your existing lender, not just new purchases and remortgages.
The exact amount depends on the lender and the size of your loan, and we confirm it in writing before you proceed, so there are no surprises. Cashback is paid after completion. It doesn't increase your rate, and you still pay us no broker fee.
We search mortgages from across the whole UK market — high-street banks, building societies and specialist lenders you can't approach directly — to find the deal that genuinely fits your circumstances.
You never pay us a penny. The lender pays us a procuration fee when your mortgage completes, which does not increase your rate. Whole-of-market advice and full application management at zero cost to you.
We share part of the fee the lender pays us with you as cashback on every mortgage we arrange — including product switches with your existing lender. The exact amount depends on the lender and loan size and is confirmed in writing before you proceed, paid after completion.
You're not relying on one person's diary. Our multi-adviser team means someone who knows your case is always available — from your first call to the day you complete.
We don't just find you a rate and disappear. We package your case, liaise with the lender, manage the valuation, progress to offer and work with your solicitors to completion.
The Mortgage Shop Barnsley LTD is authorised and regulated by the Financial Conduct Authority (FCA No. 450713). Residential mortgages are regulated by the FCA, so you're protected throughout the advice process.
Complete our short online form or call us. Tell us what you're looking to do — buy your first home, move, remortgage or something more complex. No obligation.
Your adviser searches our entire lender panel for products matching your circumstances — income type, deposit, credit history and the property you have in mind.
We present the most suitable mortgage options, fully explained — rate, term, lender criteria, fees, monthly cost and your cashback — and recommend one in plain English.
Once you're happy, we submit the application, liaise with the lender, manage the valuation and push the case to mortgage offer — keeping you updated throughout.
Your solicitor handles the legal work. We stay available to resolve any queries until keys are in hand — and your cashback follows after completion.
Get an illustration of how much you could borrow and what your monthly repayments might look like.
These calculators provide an illustration only and do not constitute a mortgage offer or advice. How much you can borrow depends on a full affordability assessment, your credit history and the lender's criteria. Speak to one of our advisers for an accurate figure.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Our multi-adviser team means someone who knows your case is always available. The team is led by Michael Bradley.
CeMAP qualified with more than 25 years' mortgage experience. Leads our team of advisers across first-time buyer, home mover, remortgage and complex residential cases.
Plain-English mortgage guides and market commentary written by specialist mortgage advisers.
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Talk to an adviser today. No fee. No obligation. Just whole-of-market advice — with cashback on completion.
Optimum Mortgages is a trading name of The Mortgage Shop Barnsley LTD, authorised and regulated by the Financial Conduct Authority (FCA No. 450713).
Your home may be repossessed if you do not keep up repayments on your mortgage.
We are fee-free to you: we receive a procuration fee from the lender on completion, and we share part of it with you as cashback on every mortgage we arrange, including product switches. The cashback amount depends on the lender and loan size and is confirmed in writing before you proceed.
Think carefully before securing debts against your home. Tax treatment depends on individual circumstances and may be subject to change. We recommend seeking independent tax advice.