Interest-Only Mortgages UK

Looking for interest only mortgages? Speak to a qualified interest only mortgage broker about the pros and cons

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

If you’re considering an interest only option, get a clear idea of the advantages and disadvantages of an interest only mortgage

If you’re looking for flexibility and affordability, an interest only mortgage – with its lower monthly repayments – may be a more attractive option than a repayment mortgage. But these types of mortgages come with a certain amount of risk and it’s important to know what they are before signing on the dotted line.

At Oportfolio, we walk you through all the interest only mortgage pros and cons to help you decide if this is the right option for you. Then we work hard to negotiate the best deal possible.

Interest-Only Mortgages
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Alice Jonathan
16 October 2026
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Oliver and the brilliant team at Oportfolio helped us with our mortgage for our first house purchase in London, and for the past five years they’ve looked after every remortgage since with the same excellent service and value for money. They know the market inside out - Oliver always seems to know which lenders are worth a look at any given moment, and the deals we’ve ended up with have been very competitive. Their advice has always been honest, insightful, practical and trustworthy too. They’ve also been really flexible, whether our timings shifted or our plans changed. Five years on, it still feels like dealing with a really friendly group of people who are on our side. We highly recommend Oliver and the team to anyone buying or remortgaging in London. Thank you Oportfolio!
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Kelvin McMillan
2 October 2026
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Very happy with the help and service I received getting our remortgage. Thank you!
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Stuart Matthews
9 September 2026
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Faultless from beginning to end. Oli and his team are absolutely on it. Pro-active, communicative and just downright nice to boot. I could not recommend them more highly. I’ll be using them for any mortgage and remortgage needs from now on and recommending them to all of my friends.
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Colin Galbraith
28 August 2026
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Third time I've been through the mortgage process and it gets easier every time. Remmea Moohan provides an excellent service - always on the ball, always into the details, and always lays out the info in plain English with the right level of detail and options laid out to enable solid decision to be made. Thanks Remmea and the team at Oportfolio for making what is a complicated process so much easier for making it all so slick from start to finish. If anyone is looking for a brand new mortgage, or options to renew, you can't really do better that Remmea! Thanks!
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Lynn Childs
4 August 2026
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We have used Oliver and his team for years when it comes to remortgaging. This time we worked with Pharell. He did a fantastic job at managing the process and ensuring everything ran smoothly.
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Naomi Cooper-Davis
15 July 2026
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Jade and her team Grace and Pharell did a great job helping me to secure a remortgage for my property. This is my second time working with Jade but I have recommended her to others who all found the service impeccable. I had a lot of delays from the solicitors end and the team were very diligent in chasing my case and getting everything finished. Thank you Oportfolio!
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Kowie & Salomé Van der Merwe
11 June 2026
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Oportfolio remortgaged two properties for us recently and proactively worked around the clock to secure the most favourable interest rates in an uncertain and volatile market. We highly recommend them.
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Alexander Knighton
16 April 2026
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A fantastic service recommended by a family member. Oliver and the team helped me secure a mortgage rate more competitive than that which high street lenders were offering. They then helped me re-mortgage when my 2-year fix came to an end. I would highly recommend them.
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James Wadkin
10 February 2026
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Oliver and the team were extremely helpful and supportive throughout our mortgage application process when we initially purchased our property and when remortgaging. They were thorough and maintained clear communication with us throughout to discuss our options and choose the right product for our circumstances. I would highly recommend their services.
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Marina Koh
5 January 2026
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Jade and her team helped me through each step as a first time buyer and now in my refinancing stage. Really recommend this team as their warm welcoming non judgemental communication really helps through stressful times of buying.
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DIVYESH SHAH
24 December 2025
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I’ve known Oliver for over 12 years, and once again he—and the whole team at Oportfilio—have been incredible throughout my remortgage process, from start to finish, they made the entire process smooth, stress-free, and incredibly straightforward.. They took the time to understand my situation, kept me informed at every stage , and made everything feel smooth and stress‑free. Their genuine care, patience, and professionalism really stand out. I’m truly grateful for their support and wouldn’t hesitate to recommend them to others.
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Samantha Hayes
19 September 2025
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We recently worked with Remmea O’Brien from Oportfolio on the renewal of our Group Life Insurance and the placement of a new Group Income Protection policy. Remmea was consistently astute, diligent and efficient. She took the time to understand our business, translated that into well-judged recommendations, and reacted quickly as our requirements evolved. The process felt effortless on our side—clear communication, well-structured comparisons, and confident navigation of the market to secure suitable terms. We’re very pleased with both the outcome and the experience, and would not hesitate to recommend Remmea and her firm or use their services again.
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Paolo Ferrarese
7 September 2025
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For the second time in a few years the Oportfolio team's support and expertise made our remortgage process smooth, clear and efficient. Their knowledge of all things mortgage is a guarantee that you will get the absolute best available rates. I cannot recommend them and thank them enough!
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Andy Goodwin
7 August 2025
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Another fantastic experience with Oportfolio to complete our remortgage. Molly was across everything, coordinating all parties and chasing anything outstanding. Amazing service.
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Fran Thompson
11 July 2025
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She-rel and Molly really helped us in the remortgaging process and always responded very quickly. Thank you both!
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Gordon Bone
7 July 2025
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Remmea and the Oportfolio team made the whole process of mortgage renewal stress free and was seamless from start to finish. Even after securing the original deal, her attention to detail ment she found an even better deal after the interest rate decrease.
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Kirsty D
1 July 2025
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excellent service with Oportfolio. Remmea is second to none. She always takes the time to go through things to make sure we are getting everything we need and always the best value for money. Kept up to date throughout the whole process of renewing out mortgage and full health/life insurance overhaul. Would absolutely recommend to anyone who is looking for assistance in the mortgage and insurance minefield.
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Gillian Wickers
2 May 2025
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Oportfolio they always offer excellent service. I have been using them for many years for several different properties. Oliver, the team are incredibly helpful - both proactive and responsive. I have just completed another re-mortgage and once again the process was clear, smooth and straightforward. Thank you.
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Jack Berends
17 April 2025
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Oportfolio were very quick to get me a good mortgage and when the first expired they were very quick on the second. Throughout the process they've kept close communication and always picked up the phone if I need anything. They have also been very useful in nudging things along and chasing people for me. I'll definitely use them again and recommend them to people.
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Shoaib Moughal
14 March 2025
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Absolutely amazing outcome with my multiple mortgages refinancing! Can not praise enough the level of service and professionalism!
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sobi ganges
4 March 2025
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The OPortfolio team have been so professional, efficient and competent with helping me update my mortgage deal. Remmea is excellent and so knowledgeable; I have recommended her in the past to family and friends and will continue to do so!

Working with Oportfolio to secure your interest only mortgage

As an experienced and knowledgeable interest only mortgage broker, we talk to you about your options and ask all the right questions to ensure your application has the best chance of success.

We have access to a full range of lenders and products and will find you a competitive interest only mortgage rate. We then work quickly and efficiently at every step of the process, to secure your mortgage and get your purchase completed.

DOWNLOAD OUR LATEST BROCHURE

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.

Oportfolio Brochure

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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