Later Life

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.