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.

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.

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

Oviso has helped a family save thousands of pounds in repayments by remortgaging their Derbyshire home.

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.

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’.

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 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.

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.

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. 

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.