One of the most important things that people forget to consider when obtaining a mortgage is what’s on their credit profile. Take a look at how you can improve your credit rating.
Following an extended period of growth, we are looking to recruit a full-time Mortgage & Protection Advisor to join our award-winning team
We are open until 12.00 noon on Christmas Eve and reopening on the 4th January.
Are you looking to save money on your current mortgage? Our financial experts explain why now could be the right time to re-mortgage.
It’s great being your own boss, isn’t it? But if you were ill and couldn’t work, what would happen to your income?
What is Income Protection, how much is it and should you take it out?
If you have a condition like diabetes, it can be difficult to find life insurance that matches your needs and budget.
Whether single or married, young or old, it could be worth investing in an insurance policy.
Home-buyers may need to act now and start the house purchase process by the beginning of November to make sure they have sufficient time to complete and benefit from the stamp duty holiday.
If you've got a scary interest rate on your mortgage, why not apply to remortgage now and take advantage of the lowest interest rates ever.
How would you keep a roof over your head if you couldn’t work because of illness or injury?
Friendly, expert mortgage advice from a team committed to helping you every step of the way
For just one pound extra per month, our client has cleared their debts, protected their family and obtained a better interest rate.
Following the recent announcement of a stamp duty holiday, by the Chancellor of the Exchequer Rishi Sunak, Rightmove has reported ‘a rush of people looking at properties on their website’.
Oviso has helped a family save thousands of pounds in repayments by remortgaging their Derbyshire home.
Life insurance is quite often viewed as an unnecessary expense. It is however there for good reason - namely to provide security for you and your family in life’s most difficult and emotional situations by delivering a financial cushion to ease pain and suffering.
Your employer might give you sick pay, but how long would that last? And while there are state benefits, they don’t amount to much
Losing a business partner would be bad enough. But without the funds to buy their shares, you could find someone else in the driving seat.
Buy that car, get married, have a baby, buy a home with a patio for BBQs...
We remain open for business as our advisors are offering support and advice remotely.
New research from Moneysupermarket has found that many of us may have misconceptions about remortgaging.
Earlier this month a married couple with two young children contacted Oviso to review the options available for a re-mortgage on their existing home.
Did you know that new mortgage offers are valid for up to six months, therefore once your current mortgage deal ends, you simply switch to the new deal.
Interest rates have never been this low! If you're coming to the end of your mortgage deal, now could be a good time to remortgage and save you money.
Oviso-sponsored Darley Sports Ajax Football Club have been crowned champions of the Nottingham-based Under 10 YEFL winter league.
The start of the new year brings some fresh opportunities for the mortgage market, which is good news for those looking to purchase their first property or move home.
Oviso Financial Services are proud to be supporting our community grassroots team Darley Sports Dortmund U10's.
Here at OVISO we recognise that buying a house can seem a rather daunting process. With so many mortgage options to choose from along with so many things to consider, it can seem very confusing! So, to help you out we’ve prepared a handy guide.
Oviso helped a day-rate contractor who, along with his partner, owned two properties – a family home in which they both lived in and a buy-to-let property.
When should you contact a financial adviser? Our team outline seven situations in which you may need assistance.
Looking to take out a mortgage? Let us help.
The British Property Awards have recently announced that bondholder Oviso Financial Services Limited is the 2019-2020 winner of the Mortgage Broker Award for Derby.
Since the financial crisis in 2008, lenders have been reluctant to offer high loan-to-value mortgages, which has resulted in many of us being unable to afford our dream home or take our first step onto the property ladder
For the third year running, Oviso played their part in supporting the Derbyshire Children’s Holiday Centre by fielding a team in the DCHC golf day at Morley Hayes.
Oviso co-directors Lee Mortimer (left) and Matt Simpson are pictured at the Association of Mortgage Intermediaries annual dinner at the Sheraton Park Lane, London.
A well-known Derby businesswomen has gone back to her roots in joining Oviso Financial Services.
Amelia Horne may be known as a business entrepreneur but the foundations of her career were as an estate agent and financial advisor.
Wow! What a night! Oviso Financial Services are recognised for our Customer Service Excellence in winning the Derby Telegraph Business Award 2019.
If the worst were to happen to you, without suitable protection, it could leave your family under a lot of financial pressure
The Bank of Mum and Dad is basically a term for those parents who are in a position to be able to afford to lend their children money. For some first time buyers, this has become the easiest and fastest way to raise a deposit for their home and, since 2016, the Bank of Mum and Dad has become one of the UK’s top ten lenders!
Derbyshire development open day to offer expert advice to potential buyers in East Midlands – as well as paying the legal fees
EXPERTS from Derbyshire-based financial advisors Oviso and the Government’s Help To Buy scheme will be offering advice to First Time Buyers at an open event near Ripley.
Landlord tax rules have seen some significant changes over the last few years – from stamp duty to capital gains tax. There are a number of different rules and reliefs that apply at every stage of the property life cycle.
A decade ago, according to the Nationwide, it took the average first-time buyers in the UK less than five years to save a 10% deposit of £14,080. Compare that with today, it now takes on average six and a half years to save a 10% deposit of £18,480.
In recent times it appears to be harder than ever to get that first step onto the property ladder. In the last 30 years house prices have increased a staggering 554%, so it may come as a surprise that first-time buyer mortgage figures have hit their highest level in a decade, according to data by Yorkshire Building Society.
At some point in our lives we have all suffered ill health that has meant we were not able to go to work. According to figures from the Department for Work and Pensions, on average 960,000 employees take sick leave for a month or more every year.
Mortgage and insurance advisor, Oviso Financial Services, has topped off a stellar year by buying its headquarters in Queen Street, Derby.
Oviso understand that grassroots football clubs play a vital role within every local community. Playing football encourages people of all ages to keep fit and healthy, assists in developing sporting talents as well as encouraging people from local communities to meet up.
There has been a rapid rise in self-employment over recent years, in fact the number of self-employed workers has increased from 3.3 million in 2001 to 4.8 million in 2017, according to the Office for National Statistics. This sector now account for a substantial 15% of the British workforce.
Bondholder Oviso Financial Services the mortgage and insurance advisors, have helped clients with deals worth a staggering £52m in 2018 so far, thanks to Derby’s buoyant property market.
A recent survey by lender Aldermore discovered there is a growing ambition in the UK to become self-employed, with some 9.3 million workers planning to become their own boss.
Income protection cover can be much more than simply protecting your income. For example, it can even help prevent long-term sickness or injury as well as get you back to work quicker should you have had time off.
We often encourage clients to invest in policies such as Life Insurance and Critical Illness Cover to protect against worst case scenarios, but what about more common scenarios such as mental health absences?
Landlords should be aware of changes concerning HMOs and EPC ratings that are due to come into force this month.
From the economic uncertainty of brexit to rising interest rates, what are the key factors that will affect housing this year?
Think you know everything about personal insurance? Think again!
Richard and Michelle Cockayne decided to set up a joint life and critical illness policy. It turned out to be a more important decision than they ever expected.
The PRA are introducing a rule change from 30th September. If you are a landlord, find out how this could affect you.
You don't have to worry about your financial position, should the worst happen.
Couple approached OVISO with their two year fixed-rate mortgage nearing its end.
Did you know you could potentially own your own home with as little as a 5% deposit?
A Will is a legally binding document, therefore there are various legal formalities you must follow to ensure it is valid.