Tim is fantastic at what he does. Communication was brilliant throughout, he kept me updated at every single stage and answered all my questions simply enough for me to understand. He made everything... See more
Company replied
While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more
To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more
Tim is fantastic at what he does. Communication was brilliant throughout, he kept me updated at every single stage and answered all my questions simply enough for me to understand. He made everything... See more
Company replied
Great service from start to finish. Tim helped me with my remortgage and transfer of equity, kept me updated throughout, and made the whole process really straightforward. Friendly, professional, and... See more
Company replied
Tim is very thorough and efficient. His communications were all very clear and concise. I am very satisfied and happy with the service he provided. Edmund
Company replied
Tim is always available to answer queries even out of normal hours and weekends. His instructions are clear and easy to follow. The lender he recommended was quick with decisions and Tim relaye... See more
Company replied
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.
15 Raven Court, DL4 2GX, Shildon, United Kingdom
No recent history of asking for reviews
This company hasn't invited customers recently, so reviews may not be representative
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
Tim provided a very professional and superb service and was able to advise with a swift response to a very short notice problem.
I 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.

Reply from Optimus Mortgages Ltd
Tim 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

Reply from Optimus Mortgages Ltd
Optimus 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!

Reply from Optimus Mortgages Ltd
Great level of service and insight when renewing our mortgage - will use again!

Reply from Optimus Mortgages Ltd
Tim was very helpful and provided an excellent service. Highly recommend

Reply from Optimus Mortgages Ltd
Tim 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

Reply from Optimus Mortgages Ltd
Just 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.

Reply from Optimus Mortgages Ltd
Second time we have used OPTIMUS Tim was very helpful , couldn't recommend enough.

Reply from Optimus Mortgages Ltd
Hi 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 .

Reply from Optimus Mortgages Ltd
Tim 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 !

Reply from Optimus Mortgages Ltd
Tim 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

Reply from Optimus Mortgages Ltd
Tim provided a very professional service. He clearly explained all available options, helped us find the most suitable facility, free of any pressure, and processed the application to a seamless conclusion.

Reply from Optimus Mortgages Ltd
Tim did a great job helping us with our lifetime mortgage. Honest and helpful, we would highly recommend him.

Reply from Optimus Mortgages Ltd
Tim at Optimus was 100% helpfull in guiding me though an application for a lifetime mortgage. His advice was honest and spot on every time required to progress to completion.

Reply from Optimus Mortgages Ltd
Having used Tim when we bought our house he offered to help us remortgage at the end of our fixed term. I had already compared various mortgages but Tim was able to find us a better deal within 30 minutes and at a better rate than we could get ourselves! He sorted the whole process and kept us informed at all times. I have recommended Tim and Optimus to other friends and wouldn't hesitate to do so again.

Reply from Optimus Mortgages Ltd
Excellent to deal with.Informative,efficient,trustworthy,direct and delivered.
A smooth crossing on a bumpy sea

Reply from Optimus Mortgages Ltd
Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.
We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.
Learn about Trustpilot’s review process.
Here are 8 tips for writing great reviews.
Verification can help ensure real people are writing the reviews you read on Trustpilot.
Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.