In setting up Oportfolio our goal was always to create a company that would go above and beyond, producing the highest standards of support and service for our clients looking to buy a home.
We’re extraordinarily proud to say we’ve been doing that now for over 12 years and have a great many extremely happy clients who show their appreciation through return business, remortgages and new homes.
Applying for a mortgage can be daunting, especially if you choose to go it alone and do it yourself. Without being an expert you may not really understand the criteria the mortgage provider is lending against and so it’s difficult to present your financial information in a way that gives you the best chance of securing the loan.
The whole application process can be incredibly stressful, not to mention time consuming. Pulling together your pay slips, multiple bank statements, ISAs, proof of deposit – and more besides – to meet the lender’s requirements can be fiddly and generate a lot of back and forth, not to mention the possibility of a rejection if you don’t get it right the first time.
And on top of that, you’ll also have the added burden of having to follow up on your application and check on its progress.
The loan application process is complex; It can be challenging to make sense of the different products, rates, fees, terms available (repayment vs interest only, pros and cons of 10 year fixed term vs 2 year or 5 year, ability to pay off chunks or pay off early without penalty, etc.)
With our superior client service, we ensure that, together, we select exactly the right product for your current and future situation. And we’ll also make a point of helping you to understand the small print and what your rights and options are in managing your mortgage going forward.
We’ve said it before, but recent times have truly shown us that no one can predict the future and as much as we’d love to show you a crystal ball, we don’t have one. What we do have though is years of experience in getting our clients the best possible mortgage – one that is future proofed against their personal circumstances.
We help all our clients analyse what the future may hold, what kind of personal protection products you need (critical illness, life cover, income protection) and how your mortgage product can support you if your situation changes.
We give every single client an end to end service to make this stage of your life as hassle free as possible, striving to make house buying a smooth process, and not a period of time that you look back on with a heavy heart.
So, why take on the stress of doing it yourself when you can let us lighten that load.
We’re always there to support and help – once a client, you’re always client, long after your immediate needs have been met. Knowing that we’re here and on your side means you can always call us for help and advice, and we’ll do our best to help you make lemonade when life gives you lemons.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Oportfolio Ltd fees are payable on application. We charge a broker fee for property purchases of £495 and a remortgage/further advance fee of £395. Our product transfer fee is £295.