Learn how high net worth individuals structure mortgages using bonus income, assets, private banking, and bespoke lending solutions.
Getting a Mortgage as a High Net Worth Individual
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Articles by
Louis Mason
Louis Mason
In Conversation with TaxAssist Putney: Mortgage & Tax Advice for Buyers, Landlords & the Self-Employed
Oportfolio Mortgages speaks with Beyant Khosti from TaxAssist Putney about self-employed mortgages, landlord taxation, financial preparation, and what buyers need to know before purchasing property in London.
How Long Does a Mortgage Offer Last in the UK?
Learn how long mortgage offers last in the UK, what happens if your mortgage offer expires, and whether lenders allow extensions.
Unlocking Exclusive Mortgage Rates With Oportfolio Mortgages
When it comes to securing the best mortgage rates, timing is everything. At Oportfolio Mortgages, our commitment to providing you with the most competitive rates goes beyond what traditional brokers or price comparison sites can offer. As proud members of the PRIMIS...
Mortgage Application Rejected Because of Cladding
Our clients, a couple looking to sell their existing property and purchase a new dream home, initially opted to approach their bank directly for a mortgage. Believing it would be a straightforward process, they found themselves in a complex situation due to issues...
Almost Half of First-Time Buyers Get Help From a Government Scheme
In the world of rising living costs, the journey to homeownership is a bit of a financial puzzle for many first-time buyers. A recent survey by Uswitch Mortgages sheds light on the strategies employed by these buyers to step onto the property ladder and the...
Overcoming Mortgage Challenges for an International Client
International Client Mortgage - Background: Our client, a recent immigrant to the UK, sought to navigate the complex landscape of securing a mortgage for his new home. Having moved to the country just six months ago, possessing a 5-10% deposit, and holding a 5-year...
Birmingham Midshires Revamps Buy-to-Let Stress Rate Tests
In a move welcomed by the property investment community, Birmingham Midshires (BM Solutions) has announced significant changes to its buy-to-let stress rate tests at the application stage, effective from today, Tuesday the 16th of January 2024. These modifications are...
Exclusive Coutts Mortgage Products for High Net Worth Clients
In as diverse a market as the London mortgage scene, it is so important for brokers to be able to cater to a wide range of borrowers. At Oportfolio Mortgages, we collaborate with private banks such as Coutts to provide tailored mortgage solutions for high net worth...
Co-operative Bank Temporarily Withdraws Majority of Products
In a perhaps unsurprising turn of events, Co-operative Bank has announced the temporary withdrawal of the majority of its fixed-rate mortgage products for new business. This move comes after the bank experienced an overwhelming surge in demand, prompting concerns over...
Breaking News: Santander Unveils Game-Changing Sub 4% Mortgages
Today Santander has announced a ground breaking reduction in interest rates, with selected residential new business and product transfer 60% Loan-to-Value (LTV) 5-year fixed rates dropping below the 4% mark. A sub 4% mortgage offering has not been seen for many months...
Barclays Announces Significant Reductions in Mortgage Interest Rates
In a positive development for potential homebuyers, Barclays has just announced substantial reductions in mortgage interest rates across its Residential Purchase range. The news, delivered in a communication to brokers at Oportfolio Mortgages this morning, reveals...
Accord and Bank of Ireland Make Changes to Mortgage Products
Accord Mortgages and Bank of Ireland have today announced some significant changes to their mortgage product ranges, impacting both Buy to Let and Residential offerings. The alterations are set to take effect on Tuesday the 9th of January 2024, with each lender...
HSBC Announces Cuts to Mortgage Rates in the New Year
In another move that is sure to delight homeowners and potential buyers alike, HSBC has unveiled a series of reductions to its mortgage product rates, effective from Thursday the 4th of January 2024. The adjustments span across various residential and buy-to-let (BTL)...
Do I Need Critical Illness Cover?
Life is a journey fraught with unexpected twists and turns, and not all of them bring joy unfortunately. While it's human nature to avoid dwelling on the negative aspects of our health, the reality is that many of us will face a serious illness at some point in our...
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