Real life stories about how Oportfolio has helped clients with their mortgage and protection needs.
Discover how Oportfolio Mortgages helped a buyer secure a mortgage and complete on time when purchasing a chain-free property, keeping the transaction moving smoothly from offer to completion.
Many people ask, “Why is insurance important?” In this guide, we share two real-life stories that highlight the importance of life insurance, critical illness cover and income protection, and why arranging protection early can safeguard your family’s financial future.
Learn how Oportfolio Mortgages helped first-time buyers purchase their dream home using a gifted deposit from family. Learn how the right lender, expert guidance and proactive communication helped make the mortgage process simple, stress-free and successful.
Key facts: Client lived in a house and rented it from the local council As part of the right to buy scheme, he wanted to purchase the property from the council at a discounted price. He approached his bank because he thought this would be the easiest option for him....
Key facts: Client owned his own property that he lived in He wanted to rent it out and move in with his partner in her property His current mortgage lender would not let him switch his mortgage to a buy-to-let mortgage Most lenders would not allow him to remortgage...
Key facts: Couple purchased their first property in the UK a few years ago but never had the standard variable rate explained to them. Their mortgage was on an interest only basis but when their product term ended, they reverted automatically to the SVR. They were...
Key facts: Client found his dream property and needed a large £1 Million+ mortgage loan. As a mortgage over £1 Million is larger than your average mortgage, there were several factors that needed to be taken into account and specific criteria needed to be met. Our...
Key facts: Clients were looking to purchase their first home together as a couple and had found the perfect starter home. With a decent sized deposit that they had worked hard to save, our clients were looking forward to starting their new life together as homeowners....
Key facts: Clients had already purchased a property in Putney and were looking for a Putney Mortgage Advisor who knew the area well and had an in-depth understanding of the area to help. The property that the clients had purchased needed a lot of structural and...
Our client found his dream property after an extensive search. He already owned a residential property and wanted to keep this as a 2nd home however this was unaffordable to do due to the expense of having two properties.
A regular client of Oportfolio and experienced landlord came back to us to look at remortgaging some of her rental properties to avoid going on to the standard variable rate and also to release some needed equity. We carried out a decision in principle which should have passed no problem however this unexpectedly declined. We then approached another lender but this decision in principle also declined unexpectedly.
Our client’s mother had breast cancer in the past and she wanted to make sure that she was covered in case she too developed cancer. A straight forward life insurance application turned out to be quite difficult as the majority of insurance companies excluded cancer meaning that they would not cover a potential future cancer diagnosis for the clients.
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.
