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

As the end of your current mortgage deal gets nearer, it’s time to do some searching, digging and looking around corners for an interest rate that’s the right fit. 

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 – however despite life cover being the most popular type of protection, in the UK we are largely underprepared for the worst-case scenario. 

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! 

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.

Friendly, expert mortgage advice from a team committed to helping you every step of the way

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.

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. 

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. 

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.

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. 

According to the latest State of the protection Nation report from Royal London, Britain is incredibly underprepared in the event of long-term sickness, accident or ill health.

For just one pound extra per month, our client has cleared their debts, protected their family and obtained a better interest rate.

Whether single or married, young or old, it could be worth investing in an insurance policy.

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?

What is Income Protection, how much is it and should you take it out?

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?

When should you contact a financial adviser? Our team outline seven situations in which you may need assistance.

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.

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!

Did you know you could potentially own your own home with as little as a 5% deposit?

Are you looking to save money on your current mortgage? Our financial experts explain why now could be the right time to re-mortgage.

Looking to take out a mortgage? Let us help.

A Will is a legally binding document, therefore there are various legal formalities you must follow to ensure it is valid.