Our clients were looking to buy a property together and had put in an offer which had been accepted. Thinking it would probably be the easiest option, they went direct to their own bank to seek a new mortgage however our clients had some financial difficulty in the past and as a result they had defaults and missed payments on their credit files. When their bank ran a credit check on the clients it failed due to the adverse credit in the background and their bank was unable to offer them a mortgage.

Our client and her partner found an ideal property through a large house builder on a shared ownership basis and was looking forward to the prospect of owning her first real home. However, despite the excitement they both felt, they were also extremely nervous as she had been told plenty of conflicting information about the best way of getting a mortgage by the builder, her friends, and her own internet research.

Our clients owned a residential property that they would be selling to try and purchase their dream home. Unfortunately, the new property needed a major upheaval to make it liveable for the clients and their family.

Our client and his partner both owned separate flats and their intention was to sell both and use the joint equity to purchase one single property for them both to live in. Our client’s partner sold her property very easily however he was unable to sell his property due to it having cladding.

Our clients wanted to help their daughter in any way they could to purchase her first property. Our clients owned their own residential property which meant they would be liable to a large stamp duty tax if they went on a standard mortgage with their daughter.

Our clients had been living in London for several years and had toyed with the idea of moving away from the big smoke and raising their children in the countryside. However, a change in employment circumstances caused a big issue.

Our client was splitting up with his partner and wanted to do a buy to let remortgage on their shared property to release equity and buy his ex-partner out. The fairly straight forward remortgages plans were thrown in to disarray when an unexpected credit issue appeared on the clients file.

Our clients were brother who were both looking to purchase their first residential properties. After doing some of their own research they realised that unfortunately they would both struggle to purchase a property on their own so decided that they would look at buying together.

Our client approached Oportfolio for help them to secure a mortgage after struggling to find one on their own.

Originally from a country outside of the UK, they were very nervous and cautious after receiving conflicting information from friends, family, and the internet about how to secure a UK mortgage.

Our client was looking to buy his dream home. The estate agents advised that he would need to put forward a good offer to stand a chance of being considered by the seller. When the valuation came back the property was valued at £10,000 less than the agreed sale price meaning that the client would have to make up the difference himself. That’s where Oportfolio jumped in to help.

Our client made the initial climb on to the housing ladder by securing a shared ownership mortgage on his first home. After a few years of living in the property he wanted to explore his options with purchasing 100% of the shares in his home, something known as staircasing. That’s where we come in.

After several years of living the city lifestyle, our client wanted to buy his dream second family home in the idyllic historical coastal county of Cornwall in the Southwest of England. His main concern was that he wanted to keep his current property and didn’t have access to enough personal funds to put down a deposit on the new second property.