• video
    Independent Mortgage Advice
    Get the Right Mortgage for Your Circumstances
    We are an independent mortgage broker so will search multiple deals from leading lenders to find the suitable solution for you based on your needs, circumstances and preferences.

    A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

  • Plan for the Future
    Secure Your Family's Future with Life Insurance
    You never know what's around the corner. With the right life insurance cover, your family will be provided for whatever happens.
  • video
    Protect Your Home
    Independent Advice on the most suitable Home Insurance Deals
    We'll help you put the right buildings and/or contents insurance policy in place for your home to protect your assets and your family.


Independent advice you can trust

Mortgages, Life Insurance, and Home Insurance

When you are buying financial products, you need advice you can trust. After all, these are big decisions and can have major implications.

At Optimal Financial Services Ltd, you will get expert, independent advice from our experienced team of mortgage and insurance advisors. As we are not tied to any specific lender or insurance provider, you will have more choice plus access to most suitable deals.

Save money, plan for the future, and protect your family and assets with our help. Book an appointment today.


We make choosing the right financial product easy


Get advice on all types of mortgages and get the most suitable deal.

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Life Insurance

Protect your family's future with help from our life insurance experts.

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Home Insurance

We'll arrange a home insurance policy tailored to your requirements.

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Get the most suitable deals on your mortgage, based on your needs, circumstances and preferences.

A Mortgage That's Right for You

Whatever type of mortgage you need and whatever stage you are at in life, we can help. We have access to multiple deals from a wide range of lenders. This ensures you get a mortgage that suits your requirements, is on favourable terms, and has the lowest possible interest rate.

Arrange an appointment today to speak to one of our mortgage advisers. Call us now.

A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

The Financial Conduct Authority does not regulate commercial mortgages and most forms of buy to let mortgage.

We can deal with

  • First-time buyer mortgages
  • Home mover mortgages
  • Remortgaging
  • Buy-to-let mortgages
  • Commercial mortgages
  • Specialist mortgages
  • Fixed rate mortgages
  • Tracker mortgages
  • And more



Peace of mind and the best possible advice

Having the right life insurance policy in place is essential to provide for your family if there comes a time when you are not able to. Our life insurance advisers will give you tailored advice and will find you right deals based on your requirements.

Book an appointment with one of our life insurance advisers now.

Life insurance plans usually have no cash in value at anytime and will cease at the end of the term. If premiums are not maintained then cover will lapse.


Independent advice and the most suitable home insurance deals

With Optimal Financial Services, you will get personal advice on the most suitable home insurance options for your needs. We also search a wide range of insurance providers to find the most suitable deals – deals you won’t find on comparison websites. Buildings and/or contents insurance is available.

Find out more and book a consultation now.

Our Approach is to Focus on You

Optimal Financial Services is the team you can depend on

You are our priority so we maintain our independence from lenders and insurance providers at all times.
This lets us search the market to ensure you get a deal that most suits your circumstances.

Here's how it works?

  • Getting to know you

    We spend time finding out about you, your current financial position, and your requirements
  • Researching the options

    We conduct a thorough search of the financial products available before presenting to you and explaining the options that most closely match your requirements.
  • Presentation of mortgage and insurance plans

    We'll give you advice on the products and plans that will help you achieve your goals

    The advice we give will be completely transparent, including in relation to fees. We'll also take time to ensure you understand everything fully

    Once you select an option, we will process the paperwork with the lender or insurance provider.


Ask a question or book an appointment

By submitting this form, you accept that you have read our Privacy Policy and agree to the collection of the data provided in order to fulfil your request.

We will use your name, email address and contact number to contact you about the services you have requested or respond to an enquiry you have submitted, which will require us to share your personal information with our advisers and our group of companies.

For further information on how your information is used, including disclosure to third parties, how we maintain security of your information and your rights in relation to the information we hold about you, please view our Privacy Policy.

Visit Us

Appointments take place in our modern and comfortable offices in Colchester. Depending on your location, we may also be able to visit you. Contact us to find out more.

Optimal Financial Services Ltd.
Office 6
North Colchester Business Centre
340 The Crescent
Colchester CO4 9AD
Phone: 0333 370 1777 Email: info@optimalima.com Email: krish@optimalima.com

Email communication are not secure and for this reason Optimal Financial Services Ltd cannot guarantee the security of the email, its contents or that it remains virus free once sent.

Business Hours

Monday to Saturday 9am to 5 pm