To leave a review you need to be logged in
Hello. My name is Tim Spencer, The Later Life Lending Expert and the Managing Director of Optimus Mortgages. I help people live a better retirement through bespoke later-life lending, and I believe that financial solutions should be made simple for everyone. I started working in the financial services industry in the 1990s but soon fell out of love with the corporate world. I set up Optimus Mortgages Ltd in 2016 as I am passionate about helping people, just like you, understand what lending options are available, but without all of the high pressure sales techniques and targets. When I turn up to see clients, I won't be wearing a sharp suit, or using a flash laptop. I use a pen and paper, and look at having a relaxed chat. I like to build up long-term working relationships with my clients, and most of my clients have been referred to me by their friends, family or colleagues who I have previously helped.
At Optimus Mortgages, we have decades of experience in financial services, and as specialists in the later-life lending market, we have access to a panel of carefully selected leading providers. We can also access the whole market, allowing us to make sure we find a suitable solution for clients. We are based in County Durham, but serve the entire UK.
We deliver bespoke guidance and advice to our clients, and make use of the latest technology to deliver a premium level of service, whilst keeping things simple and straightforward.
You can be safe in the knowledge that you will always be dealt with by fully qualified specialists who make sure that everything is clear and free from jargon. At Optimus Mortgages, financial solutions are made simple.
Reviews 26
Joshua Peasley
Oct 25,2024I worked with Tim to secure a buy to let mortgage on my property in what was a multi faceted lending case and Tim's service was second to none. He was incredibly responsive and went the extra mile with the lender to ensure that I was able to secure the funding I required.
D & V Jackson
Oct 24,2024Tim was professional and friendly throughout the process. He was happy to spend time explaining the process and answering any questions. There was no pressure on us to accept his recommendations and he gave us plenty of time to consider our options. More than happy with his service and would recommend him to anyone thinking of equity release.
Jane Weston
Sep 19,2024Tim is amazing! He sorted my remortgage literally overnight when I’d left it so late that I was facing a huge hike in payment at the end of the month!! I can’t recommend Tim enough, supportive and patient, and I feel totally confident in his ability to get the best deal for me everytime! Thank you Tim, grateful to you as always.
Mrs Deidre Thain
Sep 06,2024We cannot speak highly enough of Tim Spencer’s efficiency and empathy.He was recommended to us at a particularly stressful time and immediately put our minds at rest.
Caura User
Jul 23,2024Tim is the ultimate professional and guided us through the various options in a clear and structured manner that was easy to understand. Faultless service provided throughout.
Mark
Feb 08,2024We were really struggling with our lifetime mortgage release application, a short phone call to Tim of Optimus Mortgages gave us some much needed support. Within a few hours Tim had managed to find out more information which eased our minds. Tim went above and beyond over the following few weeks, in contact with regular updates and not just inside general working hours. We can't thank Tim enough for his guidance assistance and will not hesitate to use his services again.
Brian Hodgkinson
May 26,2023Just had a bit more equity release through Optimus Mortgages, and Tim ( spencer) makes the process so smooth and frankly an enjoyable experience. Couldn't recommend him enough.
Tony
Apr 06,2023Tim provided a very professional and superb service and was able to advise with a swift response to a very short notice problem.
Customer
Mar 28,2023I can only add to the plethora of superb review's of Tim's service. Beyond his expertise and sheer tenacity in securing the best deal for his clients, Tim's wisdom and insight into the whole buying process proved invaluable in securing me a retirement mortgage that has led to to deliver this review from my own home. It was a tough journey getting here (working with Tim was the easy bit), but Tim's patience and persistence never wavered. Professional, huge integrity and an all-round decent chap.
David Ross
Sep 29,2022Tim has helped me on several occasions I have buy-to-lets but the latest help was with landing me a Lifetime Mortgage, forced upon me by my age, not lack of income! I'd be suck without Tim
Jason Screech
Sep 27,2022Optimus are a fantastic, genuine and professional company. Tim in particular was outstanding. He was so quick to organise everything, he took the stress out of the process and saved my family home. No review would do his efforts justice and if you read this mate, we are eternally grateful. Thank you so much!
Gdpvdp
Sep 23,2022Great level of service and insight when renewing our mortgage - will use again!
Guest
Sep 20,2022Tim was very helpful and provided an excellent service. Highly recommend
Linda Gillett
Aug 31,2022Tim provided a very professional service. Nothing was to much trouble, when we had any quires, they were delt with immediately, by phone or email. Everything happened when it should have done. Great service, would recommend OPTIMUS to anyone. Thanks Tim
Stuart Lawson
Aug 09,2022Just wanted to say how helpful Tim was with our remortgage this summer. From the outset and the first phone call, he gave us reassurance and put our minds at rest. The service Tim provided from this point was first class, efficient and we felt supported throughout the whole process. He always without fail answered our calls and emails immediately in a calm and professional manner. We would not hesitate to recommend Optimus mortgages to any friends and family and if needed would use his services without question again.
Mr James Gillett
Jul 30,2022Second time we have used OPTIMUS Tim was very helpful , couldn't recommend enough.
John
Apr 07,2022Hi not one to normally leave reviews but felt like i should to help guide other people in the right direction for finding the right mortgage advisor . Tim has now arranged a buy to let mortgage on three separate occasions for me now ,each time i have been guided through with kid gloves very professionally at each stage without exception , the deals he has sourced for me have on each occasion have been exceptional . In particular i am extremely grateful for the initial deal he arranged which enabled me to retain my property which at the time i was convinced i was going to lose due to my personal circumstances .Tim has always been on the end of the phone for any queries no matter how trivial plus i may add extremely patient with all matters . very highly recommended .
Keith Quirk
Apr 07,2022Tim has been a pleasure to deal with from start to finish and enabled us to obtain the equity release necessary to pay off our old interest only mortgage. We would highly recommend his services. Thank you very much Tim !
Anthony
Mar 14,2022Tim was very thorough and took his time finding a solution to our specific requirements as I’m Self Employed He dealt with everything from start to finish and even chased the Solicitors to make sure we completed on time A comprehensive professional service that I would recommend to anyone looking for sound accurate mortgage advice Karen and Anthony
Dale Holland
Jan 20,2025Prompt advice