In life, unforeseen challenges can certainly cast a shadow over our carefully laid plans. When it comes to health, the unpredictability of critical illnesses poses a significant threat to our well-being and financial stability. In the face of such uncertainties, a...
Questions to ask for first-time home buyers answered by Oportfolio Getting on the property ladder can feel like an impossible task. Although still a challenge for many, there is a lot of help available for first-time buyers to get a mortgage and their first home. Here...
Going to the gym helps you build your fitness and improve your endurance. Aside from the obvious physical benefits, the gym can also help your mental well being, by improving your mood, sleep, and brain function. When you’re living and working in London, life can be...
As we enter the sixth week of lockdown, it’s not surprising that many people have spent much of the time in isolation from the rest of the world thinking about their health, financial security and the ways in which they can best protect themselves in the future. From...
As we approach the end of our fifth week of enforced social distancing, the impact on how we live life and – crucially – how we manage our personal finances has been radically altered. The government’s fiscal response to the current crisis has been focused...
The Government has promised that homeowners whose income is affected by the coronavirus/Covid-19 outbreak will be eligible for mortgage payment relief in the form, initially, of a suspension of repayments for three months. Is everyone eligible? No. Although the...
Any veteran property owner who’s been through the process of applying for a mortgage in the last few years will tell you that there are a lot more hoops to jump through these days than there used to be before 2008. Although lenders have become more competitive in the...
Moving home – or buying a new home – can be a really exciting time, but it can also seem a bit overwhelming, even if it’s not your first rodeo in the property market. According to the lifestyle magazine House Beautiful, studies published last year suggest the average...
If you’re about to start a new job or you’re switching from a salaried role to self-employment, you may be worried that your change of circumstances will negatively impact your chances of securing a mortgage. But while some lenders can be reluctant to lend to you if...
Many people find the prospect of a mortgage application to be a source of stress, and although that’s understandable because a dream move is often riding on a successful outcome, it doesn’t necessarily need to be the anxious time that people expect. There are two key...
The ongoing coronavirus crisis continues to put pressure on family income as the true impact of the Government’s social distancing strategy is felt around the UK. There are a number of schemes that have been launched to help businesses, those in full-time employment...
One of the key things we need to do when we take on a big financial commitment like a mortgage is to make plans for a time when you or your family might not be able to meet the repayments. Usually, that means taking out one or more of three different insurance...
As we wave farewell to a year that has, by all sorts of measures, been pretty momentous, and usher in the third decade of the millennia, it’s time to start thinking about that house move in 2020 you’ve been planning. One of the mistakes people can make when it comes...
There has been a lot of change in the mortgage market over the last decade, with tighter controls over lending criteria, more scrutiny around affordability and interest rates tumbling to record lows. But one question we get asked a lot is:Â can I force my mortgage...
If you’re one of the 8.5 million British adults with a family who should have a life insurance policy but don’t, then now is the right time to be looking at your options. Life insurance should be a vital part of your financial planning. Chosen well, it gives you and...
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