About Optimum Mortgages: Fee-Free Residential Mortgage Specialists
We exist to help UK home buyers and homeowners secure the right mortgage. No broker fees, whole-of-market advice, and cashback on every mortgage we arrange.
Optimum Mortgages was founded in 2003 by specialist brokers who saw a simple problem: home buyers were being underserved by generalist advisers who didn't search beyond a handful of high-street lenders — and who charged fees for the privilege.
Since then we have helped thousands of clients across the full spectrum of residential lending — from first-time buyers with a 5% deposit to complex self-employed, bad credit and high-value cases that high-street banks decline. Our multi-adviser team deals with every residential mortgage type, every applicant profile, and every lender in the UK market.
We are authorised and regulated by the Financial Conduct Authority as The Mortgage Shop Barnsley LTD (FCA No. 450713) and are paid exclusively by lenders through a procuration fee on completion — never by you. Better still, we share part of that fee with you as cashback on every mortgage we arrange, including product switches with your existing lender.