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.