Why Choose Optimum Mortgages
Most brokers charge you a fee and keep everything the lender pays them. We do the opposite: no broker fee, whole-of-market advice, and cashback shared with you on every mortgage.
Whole-of-Market Advice
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.
No Broker Fees — Ever
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.
Cashback on Every Mortgage
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.
A Team of Advisers
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.
Full Application Management
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.
FCA Authorised Firm
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.
How the Cashback Works
When your mortgage completes, the lender pays us a procuration fee for introducing your business. We share part of that fee with you as cashback — on every mortgage we arrange, including product switches (rate switches) with your existing lender, where the lender pays us for arranging the switch.
The exact amount depends on the lender and the size of your loan, and we confirm it in writing before you proceed. Cashback is paid after completion. It doesn't increase your rate, and you still pay us no broker fee.