Updated September 28, 2026 · BorrowCue Editorial Team
Optimise vs Super Finance Markets
Optimise vs Super Finance Markets: the differences
| Compare |  Optimise |  Super Finance Markets |
|---|---|---|
| APR | 9.49% to 12.6% | 0.6% to 0.85%Lower |
| Loan amount | £10,000 to £500,000 | A$100,000 to A$3,000,000 |
| Term | 36 to 360 monthsHigher | 3 to 24 months |
| Arrangement fee | No upfront fees; broker fee added on completion (up to 12.5% of secured loan) | 0 AUD (no application fee) |
| Credit check | Soft prequal | None |
| Funding time | Funds typically released within two weeks | Approval in 48 hours, funds disbursed in 10 business days |
| Rate type | Variable | Fixed |
| Lender type | Broker | Direct lender |
| Loan types | Secured, Personal, Debt consolidation, Business, BridgingCovers more | Business, Secured |
| Representative example | Borrow 30,000 over 180 months at 9.25% fixed for 5 years then 9.75% variable; 12.6% APRC, total payable 64,878.60 incl. broker fee 3,750 and lender fee 600 | Not confirmed |
| Eligibility | Homeowners (mortgaged or own outright); employed, self-employed, retired or benefits-based incomes; all credit scores considered | Not confirmed |
| Origination fee (%) | 0% to 12.5% | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit needed (Poor).
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Key differences
- Founded is lower at Optimise: 2009 vs 2018.
- APR is lower at Super Finance Markets: 0.6% to 0.85% vs 9.49% to 12.6%.
- Term is higher at Optimise: 36 to 360 months vs 3 to 24 months.
- Support channels: only Super Finance Markets offers Chat.
- Loan types: only Optimise offers Personal, Debt consolidation, Bridging.
Our verdict on each
Optimise
Optimise is a UK broker for property-backed lending, built for homeowners whether mortgaged or owning outright, and for borrowers with a poorer credit history. Borrowing of £10,000 to £500,000 is available at 9.49% to 12.6% APR, with terms of 36 to 360, though a broker fee of 0% to 12.5% can be added on completion.
Super Finance Markets
Super Finance Markets suits Australian borrowers who need secured or business lending and can manage a short term at a high stated cost of borrowing. It charges no application fee, but the rate of 0.6% to 0.85% means the repayment must be planned carefully, and any surplus on the deal is the borrower's own risk.
Score breakdown
| Area | Optimise | Super Finance Markets |
|---|---|---|
| Cost | 9.2 | 9.7HigherAnnual cost of borrowing runs 0.6% to 0.85% with an application fee of 0 AUD (no application fee). |
| Offer | 9.3HigherOffer strength comes from a secured loan with soft prequalification at soft prequal, so property carries the risk instead of a hard credit check. | 8.5Purpose covers purchase, remortgage and equity release on fixed rates, with a term of 3 to 24 and no credit check. |
| Trust | 8.6 | 8.6 |
From lowest to highest
| Fact | Optimise | Super Finance Markets |
|---|---|---|
| APR | 9.49% to 12.6% | 0.6% to 0.85% |
| Term | 36 to 360 months | 3 to 24 months |
Licences and countries
| Country | Optimise | Super Finance Markets |
|---|---|---|
| Australia | Not confirmed | |
| United Kingdom | Financial Conduct Authority 724841 Information Commissioner's Office Z1952834 | Not confirmed |
Additional countries for Optimise: 1. Additional countries for Super Finance Markets: 1.
Pick Optimise if, pick Super Finance Markets if
Pick Optimise if offer, term, and loan types matter most.
Pick Super Finance Markets if cost and apr matter most.
What each covers
| Loan types | Optimise | Super Finance Markets |
|---|---|---|
| Personal | Yes | No |
| Debt consolidation | Yes | No |
| Secured | Yes | Yes |
| Business | Yes | Yes |
| Bridging | Yes | No |
How they place
| Ranking | Optimise | Super Finance Markets |
|---|---|---|
| Loans for bad credit | 145 of 275 | 157 of 275 |
| Secured loans | 204 of 472 | 223 of 472 |
| Mortgages | 248 of 719 | 268 of 719 |
| Remortgage deals | 177 of 351 | 194 of 351 |
| Business loans | 164 of 435 | 182 of 435 |
| Equity release | 13 of 32 | 15 of 32 |
Every fact side by side
| Fact | Optimise | Super Finance Markets |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Legal entity | Optimise Finance | Super Finance Markets Pty Ltd |
| Headquarters | United Kingdom | Australia |
| Founded | 2009Lower | 2018 |
| Support channels | Email, Phone | Email, Chat, PhoneCovers more |
Mortgages
| Fact | Optimise | Super Finance Markets |
|---|---|---|
| Initial rate | 6.59% to 26.3% | 0.6%Lower |
| APRC | 12.6% | Not confirmed |
| Fixed period | 5 yearsHigher | 0.25 to 2 years |
| Maximum loan to value | Not confirmed | 75% |
| Product fee | £3,750 | A$0 |
| Purpose | Purchase, Remortgage, First time buyer, Buy to let, Equity release | Purchase, Remortgage, Equity release, Home equity |
Where each stands against the rest
| Fact | Optimise | Super Finance Markets | Median |
|---|---|---|---|
| APR | 9.49% to 12.6%above the median | 0.6% to 0.85%lowest quarter | 8.99 |
| Term | 36 to 360 monthshighest quarter | 3 to 24 monthslowest quarter | 60 |
| Origination fee (%) | 0% to 12.5%below the median | Not confirmed | 0.25 |
Median across 1005 listed lenders.
Pros and cons
Optimise
Pros
- Loans of £10,000 to £500,000 at 9.49% to 12.6% APR, with terms running 36 to 360.
- A fixed rate for 5 before the pricing changes, which suits planned work.
- Every credit score is considered, and the credit profile that fits is poor, so a thinner file is still workable.
Cons
- A broker fee of 0% to 12.5% is added on completion, so the total cost sits above the quoted rate alone.
- The eligibility criteria cover property owners, mortgaged or outright, which narrows the pool of applicants considerably.
- Money moves slowly: Funds typically released within two weeks, so this is no route to funds in the same week.
Super Finance Markets
Pros
- No application fee at all, recorded as 0 AUD (no application fee)
- No credit check, and the lender caters to applicants with poor credit
- Fixed rates held for 0.25 to 2 keep the repayment predictable
Cons
- A cost of borrowing of 0.6% to 0.85% is high, so the monthly repayment needs checking against budget
- The term of 3 to 24 is short for a home loan
- The maximum loan to value of 75% sits below the 90% typical of the wider mortgage market
Who each suits
Optimise
Who it suits
- Homeowners with a mortgage or a home owned outright, funding home improvement work.
- Borrowers whose credit profile is poor, since all credit scores are considered.
- Employed, self-employed, retired and benefits-based earners in the UK.
Who should look elsewhere
- Renters and first-time buyers with nothing to pledge: eligibility is limited to homeowners who are mortgaged or own outright.
- Borrowers chasing a quick fix, because Funds typically released within two weeks sets the wait.
- Readers who want a lender's own rate table: Monzo Flex publishes 10% to 23% directly, an easy side by side check.
Super Finance Markets
Who it suits
- Borrowers in Australia whose credit file is in poor shape
- Businesses needing a short fixed term loan
- Anyone covering 75% with equity who wants no application fee
Who should look elsewhere
- First time buyers, since the term runs 3 to 24
- Long term borrowers put off by the rate of 0.6% to 0.85%
Country by country
| Country | Optimise | Super Finance Markets |
|---|---|---|
| Australia | No | Yes |
| United Kingdom | Yes | No |
Questions about each
Optimise
What rate will I pay, and what does the APR include?+
Advertised rates run 9.49% to 12.6% APR, and the worked example is shown at 12.6% APRC. The APRC is the figure that folds in the broker and lender fees, so it is the better number to compare, while the rate itself is what drives the monthly payment.
Is there an arrangement fee or upfront charge?+
There are no upfront fees. What you pay is a broker fee added on completion of 0% to 12.5%, plus lender fees, and the homeowner loans page quotes a product fee of £3,750. The cost does not appear in your first payment, so the completion stage is where it lands.
Super Finance Markets
What rate does Super Finance Markets charge?+
The cost of borrowing is 0.6% to 0.85%, and the initial rate is 0.6%. The 0.6% to 0.85% figure is the one to plan around, since it reflects the full cost of the credit rather than a headline offer. Payments sit on a fixed rate for 0.25 to 2.
Are there any fees to open the loan?+
The application fee is 0 AUD (no application fee), so nothing is charged for taking an application forward. There is also a product fee recorded on the same terms, which keeps the upfront cost minimal. The ongoing cost of borrowing of 0.6% to 0.85% is the part that shapes the repayment.