Process

How It Works

A clear, transparent five-step process — from your first call to your keys. No fees, no jargon, no surprises.

01

Tell Us About Your Plans

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.

02

We Search the Whole Market

Your adviser searches our entire lender panel for products matching your circumstances — income type, deposit, credit history and the property you have in mind.

03

We Recommend the Best Option

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.

04

We Handle Everything

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.

05

You Complete

Your solicitor handles the legal work. We stay available to resolve any queries until keys are in hand — and your cashback follows after 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.

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