Mortgages over £500k

Buying a new home? Talk to our large loan specialists about securing a £500k+ mortgage

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

If you’re taking on a £500,000 mortgage, speak to an experienced mortgage broker to secure the best terms possible

With average house prices on the rise, applying for £500,000 mortgage is more and more common, and that’s especially true if you’re looking to buy a home in London where the average house price is over £600k.

As a London mortgage broker, our large loan specialists at Oportfolio are in a good position to help you secure a half a million pound mortgage, whether you’re a first-time buyer stepping on to the property ladder or you’re looking for your next move.

Mortgages Over £500k
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Chanelle Creasey
October 27, 2026
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Always a fantastic experience from Oliver and the team at Oportfolio. Great customer service, very quick to respond and a wealth of experience. Thanks again all
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Tom Frost
October 26, 2026
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I had a fantastic experience working with Oliver at Oportfolio as a first-time buyer. He was incredibly efficient, supportive and knowledgeable throughout the whole process, making the experience feel very straightforward. Oliver took the time to explain everything clearly, answer all my questions and make sure I felt comfortable and confident with each step. I never felt rushed, and I really appreciated how approachable and patient he was throughout. As a first-time buyer, having someone who genuinely takes the time to guide you through the process makes such a difference. I’m really grateful for all his help and would highly recommend Oliver and Oportfolio to anyone looking for a mortgage broker, especially if you’re buying your first home!
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Matthew Gordon
October 26, 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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Liv Mck
October 20, 2026
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Oportfolio Mortgage Brokers have been exceptional at guiding us through the process of home ownership. From the initial call they provided us with valuable information and over the course of the process secured the best rates. The team here were great for contacting and happy to answer any questions. Would highly recommend to friends and family going fourth.
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Tom Price
October 20, 2026
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Oportfolio were incredibly helpful with our mortgage - thanks to the help of Grace, Steve and Oliver we were able to get an mortgage offer in record time. They were incredibly supportive throughout and even found a better offer mid-way through the process. Would highly recommend to any searching.
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Alice Jonathan
October 16, 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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Ale Luzzi
October 8, 2026
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We had a really good experience with Oportfolio throughout our house purchase. It was a very long process, but the team was always helpful, responsive and happy to answer our questions along the way. What we particularly appreciated was how proactive they were in regularly reviewing mortgage rates throughout the process. Thanks to their efforts, we ended up securing a better rate than those available on the market at the time of completion! A special thank you to Jade and Grace for their patience, professionalism and support throughout the whole process.
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Max
October 3, 2026
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We’ve used Oportfolio multiple times now and wouldn’t go anywhere else. They always provide excellent advice and are very proactive.
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Kelvin McMillan
October 2, 2026
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Very happy with the help and service I received getting our remortgage. Thank you!
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Sophie Breakwell
September 25, 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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Dimitrios Xenopoulos
September 17, 2026
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I had a very positive experience with Oportfolio throughout my first home purchase. From the beginning, the team was extremely responsive and supportive, and they took the time to explain the different options clearly, helping me identify the services and providers that were most appropriate at each stage. What particularly stood out was how quickly they managed to secure my mortgage. The speed at which this was arranged played a really important role in allowing my purchase to progress smoothly, particularly when timing became important towards the end of the process. I would especially like to thank Jade, who was fantastic throughout. She was always available when I needed guidance, responded promptly to my questions and made what could otherwise have been a complicated process feel much more straightforward. Overall, I felt very well supported from start to finish and would have no hesitation recommending Oportfolio to other first-time buyers.
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JA U
September 15, 2026
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Oliver and the team can’t do enough to help. They are on hand and responsive at all hours of the day and nothing is too much trouble. A 5 star service from a 5 star team!
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Irene Zanni
September 15, 2026
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Jade and the whole team at Oportfolio have been the easiest and most supportive part of buying our first property. It was incredibly reassuring to find people we could trust while navigating such a new and complicated process. They took the time to understand our circumstances, advised us at every stage and patiently answered all our questions. They were also incredibly quick in securing our mortgage offer and found us the best product for our needs. We’re so excited to complete and move into our forever home next week.. we couldn’t recommend them more!
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Stuart Matthews
September 9, 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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Sarah Meyer
September 3, 2026
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Great experience working with Oliver, Pharell and the team at Oportfolio! As a first time buyer they were both helpful in explianing their part of the process and quick to answer my questions or concerns
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Roger Andrews
September 1, 2026
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I was very impressed with the thoroughness of the service I received from Oportfolio. They examined all the various options open to me at my age and recommended a solution which was a perfect fit. I would recommend them to anyone who has a requirement for a non standard mortgage . Roger Andrews
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Colin Galbraith
August 28, 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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Lotte Jackson
August 28, 2026
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Everyone at O’Portfolio was making! Remi and Pharrell were especially wonderful - they explained everything so well to us and really took the time! We felt incredibly looked after and our dealings with them were the only stress free part of the house buying! Thank you guys!
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sarah Thomson
August 26, 2026
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We had a great experience with Oportfolio. Pharell and Remmea were wonderful and really helped us in the process of buying our first home. Their communication was excellent throughout and secured us a great mortgage and life insurance. Highly recommend!
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Nikki Cairns
August 25, 2026
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Amazing customer service as always by Remmea O’Brien, nothing is ever a problem for her, she goes above and beyond to help out every time I contact her and she always makes sure we have the best products and prices available to us. We have been in contact with Remmea for several years now and wouldn’t go anywhere else. Highly recommended 💯
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Christina laird
August 25, 2026
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Reamma was very efficient getting a new mortgage for us. She prompted us when required and made the process run very smoothly. I hope to use her again when we require our next mortgage
Mortgages Over £500k

Securing a £500k+ mortgage

Like any mortgage applied for, a £500k mortgage application will need to meet certain criteria.

Affordability, of course, is key. You need to show you can meet the monthly payments for a £500,000 mortgage, once your usual outgoings, such as utility bills, council tax and service charges, are taken into consideration.

And the size of your deposit will make a difference to the mortgage products available to you. Ideally, your deposit needs to be at least 10% or £50,000. The lower the loan to value ratio (LTV) the better, because any lender will see you as less risk.

Other criteria will be looked at too, such as your age, if you’re employed or self-employed, or whether you’re applying on your own or with a partner.

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
Mortgages Over £500k

Working with large mortgage loan specialists

If you want your £500k mortgage application to go through smoothly, talk to the large mortgage specialists at Oportfolio. We regularly secure competitive mortgages for homeowners in this price bracket whether you’re a first-time buyer looking for a London apartment, or you’re a home mover selling up and moving to a bigger property.

We can talk you through the different types of mortgages available to you such as repayment or interest only. And also advise you on the type of mortgage to suit your lifestyle and long term goals.

Then we research the market to find you the best possible deal available. With access to smaller building societies and boutique lenders, as well as high street names, we have a high success rate when it comes to arranging £500k+ mortgages.

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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