Michael Bradley: Senior Mortgage Adviser
Senior mortgage adviser with more than 25 years' experience. Fee-free, whole-of-market, FCA authorised firm.
Michael Bradley has more than 25 years' mortgage experience, arranging residential mortgages — from a first-time buyer's first home through to complex self-employed, bad credit and high-value cases.
He is qualified to CeMAP (Certificate in Mortgage Advice and Practice), and leads the Optimum Mortgages adviser team — covering first-time buyers, home movers, remortgages, product transfers, self-employed and contractor income, shared ownership, Right to Buy, family-assisted and later life lending.
No broker fee. Ever. Michael is paid a procuration fee by the lender on completion, so his whole-of-market advice costs you nothing — and you receive cashback on every mortgage he arranges.
Areas of specialism
- First-time buyers & family-assisted mortgages
- Remortgages & product transfers
- Self-employed, contractor & complex income
- Adverse credit cases
- Shared ownership & Right to Buy
- Later life & retirement interest-only mortgages
Editorial role
Michael is the default author and editorial reviewer for articles on Optimum Mortgages. Every published guide is checked against current lender criteria and FCA financial-promotion rules before going live.
Michael Bradley is a CeMAP qualified mortgage adviser with more than 25 years' experience helping UK home buyers and homeowners. He never charges broker fees — he is paid by the lender on completion.