When buying a home or remortgaging, you will be told to "speak with a mortgage broker", but what do they do and how can they help? At Oportfolio, our work as mortgage brokers is to take a complex process and make it simple and give you the best chance of mortgage...

Buying your first home in London can be an exhilarating but daunting process. With house prices varying so wildly across the capital, it's important to find a location that balances affordability, transport links, facilities, and growth potential just right. Day in,...

Quick Answer Most UK mortgage lenders require at least a 5% deposit, but putting down 10% to 20% can unlock better rates. For a £250,000 home, that’s a minimum of £12,500. The more you put down, the more affordable your mortgage is long-term. What Is a Mortgage...

Buying a home in London is daunting, especially if you have a small deposit. With housing prices significantly higher than other areas of the UK, it can be overwhelming for many potential buyers. Even so, a small deposit doesn't have to be a setback. This is how you...

Buying property in London is a massive financial commitment, and the mortgage process can feel like a maze. Over the years at Oportfolio, we've seen many clients come to us after running into avoidable mistakes. Here's what we believe are the five biggest mortgage...

Yesterday, I had the absolute pleasure of attending a truly memorable evening hosted by Guardian Financial Services to celebrate the release of the Guardian Financial Services 2024 Claims Report. Held at the stunning Wagtail rooftop bar in King William Street, central...

If you're looking to purchase a home, one of the initial and most important things you'll be wanting to know is: how much can I borrow (mortgage)? Having an understanding of your borrowing capacity is the secret to a realistic budget and getting the correct property....

The UK mortgage market is truly alive right now, and I’m not just saying that. Over the past week alone, I’ve had a flood of enquiries from a wide variety of clients, all looking to explore their mortgage and property finance options. With mortgage rates continuing to...

With over a decade of experience across retail and commercial banking, Isaac Kikabi made a strategic move into the mortgage sector three years ago, a transition driven by a deep personal interest in housing and its role in social and economic mobility. Now serving as...

Since the housing market is still difficult for most, an additional avenue of opportunity has opened up for purchasers who require added assistance: using up to four incomes on a single mortgage application. Due to Family Building Society's revised Joint Borrower Sole...

Getting a mortgage when you are self employed can feel harder than it has to be. Getting a mortgage as an employer with a normal guaranteed annual income might seem to be the easiest and trouble-free way to get a property, but it is not necessarily so, and self...