Optimum Credit is a leading provider of second charge mortgages for homeowners in England, Wales and Scotland. Based in Cardi ... ff, we offer a range of variable, fixed and discounted second charge mortgages which can be applied for by speaking directly to one of our fully qualified mortgage advisors or approaching one of our carefully selected Broker Intermediaries. Our aim is to provide you with a second charge mortgage that meets your individual and personal circumstances. read more