Complex Mortgages

Sometimes life isn’t black and white, and neither are mortgages. Daily, we at Oportfolio help our clients with different complex or challenging mortgages that need the help and guidance of an expert advisor rather than an amateur.

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389 reviews

Your home or property may be repossessed if you do not keep up with your mortgage repayments.

What if my mortgage is complex?

As experienced mortgage brokers, we understand that some people have mortgage needs that are not always as straight forward as you might like. But that’s ok, you are in the best hands when speaking to our advisors. While other mortgage brokers and lenders may see complexity and complication, we see an opportunity to help. At Oportfolio we pride ourselves on being able to support and guide our clients and help them to develop solutions to the more intricate of mortgage applications.

Complex Mortgages
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Matthew Gordon
26 October 2026
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They found me a great deal at a time where I was worried I might not be able to find any deal at all. There were a few complications along the way with conveyancing solicitors and Oportfolio were there to support and help keep things moving. Excellent all round service.
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Sophie Breakwell
25 September 2026
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Oliver, She-rel, Steve and the team are truly excellent. They have turned around my application, which was not straightforward due to being self-employed, quickly and efficiently. I could not be happier.
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Kerry-Leigh Maritz
6 May 2026
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Absolutely incredible assistance getting a great mortgage deal on a property others struggled with! I recommend them to everyone I know!
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Leo Hadden
2 October 2025
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In a world of professional servicepeople who promise the moon on a stick and rarely deliver, Jade's straight-talking blend of pragmatism and perseverance was very refreshing. We always felt we were in good hands - she left no stone unturned -communication was professional, and the entire experience perfectly pitched. We wouldn’t hesitate to recommend, and return. Thank you
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Sam Webb
25 February 2025
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Excellent service and support from start to current (mortgage now accepted). I was referred to Jade Pinkerton, but her entire team (including herself) have been immenseley helpful at all stages of the process. I came to them with a very weak and complicated case and their handling of it was exceptional. I will certainly be working with them again regarding remortgaging in the future. Highly recommend. Updating to say that throughout they were extremely responsive and helpful, I wish I could give more than 5 stars
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Paul Taylor
2 September 2024
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Jade & the team at Oportfolio have been excellent throughout the entire process. Our case was not simple and straightforward. We needed to get the finances in place very quickly in order to confidently make an offer on a property we had spontaneously viewed and fallen in love with no real prior plans to move house! Jade successfully navigated our complex scenario, negotiated at length with the lender and kept us informed and aware of every step in order to secure the mortgage we needed. We offered, exchanged and completed within 4 months and our now settling into our dream home. I cannot recommend Jade and the Oportfolio team enough, they went above and beyond for us, and were a pleasure to work with.
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Emily Worthington
24 May 2024
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The service that Oliver Whitehead and his team provide is first class and I would unreservedly recommend Oportfolio to anyone seeking mortgage advice. The initial consultation is thorough and the follow up and description of the available options follows quickly and, crucially, makes the complexities of buying mortgage products much more accessible and easy to understand. The Oportfolio team are supportive in every step of the process. Their customer service is stellar; they are always friendly, positive and efficient. Any obstacles that are encountered are dealt with swiftly; the team are superb at communicating how things are progressing and act frequently in liaison with solicitors and estate agents. I cannot recommend Oportfolio highly enough.
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Brian Robertson
10 February 2024
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Oliver and his team delivered a solution to a complex mortgage and a short deadline meaning we won the property we had been searching for in a competitive situation. A great result. The selling agent even said it was done in record timing!
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Chris Benn
22 November 2023
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Having hit a number of brick walls with my initial mortgage situation, Oliver's 'can-do' attitude and approach was extremely refreshing. Wouldn't hesitate to recommend Oliver and Oportfolio to others.
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Pina Roos
9 November 2023
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Oportfolio team you have done it again!! To get three mortgages pushed through against a lot of odds is just mind-blowing! Both my children is sorted and so are we, perseverance and not leaving a stone unturned is the key! Thank you for a service second to none, you get and understand your client's needs and this is exactly what Oliver and the Oportfolio team stands for! Thank you She-rel and Jade for an outstanding service!!! From all the Roses!
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Gaetano Alboreto
8 October 2023
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Jade, Molly, She-rel and the entire Oportfolio team helped us with our mortgage and life insurance, explaining us all the details and obtaining a good deal, despite our delicate situation (first time buyers with 2 job changes). They were also wonderful during the remortgage, going above and beyond the simple broker services, and helping with document verifications and guiding us on every step of the process.
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Johnny Hansom
12 September 2023
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You often don’t know how good a company is until something goes wrong and see how they handle it. Cannot recommend these guys enough - Oliver, Molly, She-rel and Jade were all brilliant. There were a lot of things that went wrong with my mortgage application due to failings at the bank (not Oportfolio) and it took significantly longer than inspected which created a very stressful situation and nearly caused the house purchase not to go through. Oportfolio worked relentlessly to help me resolve this with the bank, they escalated multiple times daily to make sure it remained a priority and get it over the finish line. Their level of calm, professionalism, patience and friendliness remained consistent throughout even when I had some very highly stressed phone calls with them - it is a real testament to how good they are and I’m very grateful for their support throughout the process.
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Caroline Mortimer
10 August 2023
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We have just received our mortgage offer, thanks to a HUGE amount of hard work and persistence that Oliver and Molly put in to get it over the line for us.. I can't tell you how much we appreciate all they have done! I'm not going to lie, I had some pretty down moments along the way, worrying that we wouldn't get it in such tough times.. but all the effort put in by the team at Oportfolio made it possible and Oliver was able to secure us a better rate than anticipated. Huge relief all round.. enormous thanks again and we wouldn't hesitate to recommend Oportfolio!
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Rosie Watterson
30 July 2023
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Amazing service provided by Oliver and Molly - not the easiest time to get a mortgage but so pleased to have you both on side, and you made the process painless. Thanks again
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Nicholas L
1 June 2022
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My experience with Oportfolio in helping me secure my first mortgagee under the guidance of Jade Pinkerton was nothing less than exceptional, especially given the fact that my circumstances were quite complicated, with several other brokers viewing my case as highly unfeasible in securing a mortgage. However, after speaking with Jade and explaining my tricky circumstances, she was resolute in her belief that she could still help me and true to her word she surely did, as Jade, along with her team, guided me step by step on the journey to securing a competitive mortgage deal through to completion! I truly couldn’t endorse Jade and her team at Oportfolio more! Superb communication with me throughout the entire process, ensuring that I fully understood all the intricate details of my deal, so I was able to always make informed decisions easily! I’m honestly very grateful. Thank you all once again!!
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Handan Guler
27 February 2022
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Received a fantastic service from Oliver and the team at OPortfolio. Everyone was very competent in their jobs and also very nice and happy to take the time to explain things that may not always be straight forward for a non-expert. They went above and beyond with helping me with unforeseen complications and I felt like I had a trustworthy advisor by my side. I highly recommend their services if you want a stress free and professional service. Thank you Oliver and the team at OPortfolio!
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Leslie Edwards
29 June 2021
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Oportfolio has now helped us with two mortgages. I have been very impressed by their ability to find the right mortgage for us, their perseverance, their constant updating to make sure the mortgage offer and conveyancing is on track. I would highly recommend using their services.
Google
Joanna Parker
30 October 2019
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Jade was amazing, every step of the way. Easily the best person we’ve dealt with in our house-buying experience. Always helpful, proactive and understanding of any obstacles that may arise. We wholeheartedly recommend this broker.
Complex Mortgages

Specialists in Complex Mortgages

If you’re looking for a high net worth mortgage or something a bit more complicated than your standard mortgage and if you have a complicated financial situation – such as receiving multiple income streams, large bonuses, or working as a self-employed person – it becomes even harder to access the best mortgage deals. Whether you want to compare mortgages, find the best mortgage rates, work out ‘how much can I borrow?’ or simply establish ‘Can I do this?’, Oportfolio is here to help.

Our advisors use our wealth of knowledge and experience with complex and high net worth mortgages and clients to make sure that we offer a service that can’t be beaten. No matter the circumstances, we will work with you to make your mortgage dreams become reality.

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At Oportfolio, we love inspiring people and helping you to achieve your dreams - buying your own home, making the most of your existing finances, or investing in other properties.

We can help you find the right mortgage because our standing in the London market allows us to get access to the most competitive rates from a multitude of lenders.

To find out more, we invite you to download our latest brochure.

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We strive for the highest standards of client care and are committed to offering tailored mortgage, insurance and personal protection policies that match the unique aspirations of every single client.

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