Our team of experienced mortgage advisers know the mortgage market inside out and are well placed to help secure the best mortgage solution for you. We always begin with a thorough fact find to establish your personal circumstances, current financial position and financial aspirations.
This information enables us to accurately search the whole of market to find the appropriate mortgage product for you. Our in-depth knowledge of the mortgage industry and the quirks and requirements of each lender, enables us to advise and manage the whole process for you, so your mortgage is approved as quickly and seamlessly as possible.
We fully understand that purchasing or re-financing your place of residence can be stressful, which is why we work to help you simplify the process. Whether you are a first-time buyer, home-mover or just looking to re-mortgage your existing property, we will provide you with expert advice and the mortgage best suited to your requirements.
Working closely with your solicitor and selling agent we ensure that you’re in prime position to complete your purchase. We will help you achieve your goal to buy your new home.
keeping it simple…
Property remains a popular investment as it provides an excellent source of additional income and long term capital growth. Over the years there have been a number of tax changes that have impacted buy to let landlords. These changes coupled with changes in bank lending criteria for buy to let mortgages have made it even more essential that you are getting the right advice.
The Opes team are proven in helping property investors, from first timers to experienced landlords looking to expand their portfolio. We are committed to helping our clients get the most from their property portfolio, navigating them through significant regulation and market competition.
a helping hand…
Programmes such as Grand Designs have inspired many to build their own property or renovate an existing one. Self-build mortgages are helping more and more people to build their dream home; with a reported 65% of UK self-builders taking out a self-build mortgage to finance their construction.
Self-build mortgages differ from traditional mortgages and need to be specially tailored as the money is released from the lender in tranches rather than as a single advance. We can help you to secure funding for the purchase of land, enabling you to get your project off the ground.
British expatriates living or working abroad can find it difficult to secure a mortgage. The market can be confusing and many incorrectly believe that there are a lack of lenders with products matching their requirements. The team at Opes are fluent in providing ex-pat mortgages.
We will simplify the process of raising finance from lenders who understand your requirements and circumstances. We access products from both UK and overseas banks ensuring you are given the best possible solution. Our team regularly meet clients abroad, to establish a thorough understanding of their requirements.
Stable political and economic climates coupled with a liquid and established property market make the UK an attractive opportunity for international property investors.
British property laws that protects the interests of investors increases the attractiveness of the UK to foreign investors. Our advisers are market leaders in assisting overseas clients to finance UK property, whether that be as a new home in UK, rental investment or for a child studying in the UK.
a sound investment…
Whether you’re dreaming of a Caribbean hideaway, a NYC pied-à-terre or ski chalet in the Alps, the Opes team will be able to find the lending solution to make your dream a reality. Low rates and higher loan to value products mean that owning your own overseas holiday home is more achievable than ever. We fully understand the unique processes of different countries so are expertly placed to guide you through every stage of the purchase. If you’re ready to purchase your dream overseas property, then get in touch with one of our specialist advisers.