Optimum Credit Ltd. is a specialist second charge mortgage lender based in Cardiff, Wales. Founded in 2013, the company focuses on providing flexible lending solutions to homeowners in England, Wales, and Scotland. They operate on an intermediary-only basis, meaning their products are accessed via professional financial advisers and mortgage brokers rather than directly by the public. In 2018, Optimum Credit was acquired by Pepper Money, a part of the global financial services business Pepper Group, which enhanced its market position. The company prides itself on a common-sense, manual underwriting approach to assess individual customer circumstances.

Founded in

United Kingdom