Mortgages for first-time buyers, homemovers and landlords

Buying a home is one of life’s biggest milestones, but it can also feel overwhelming. Finding the right mortgage shouldn’t add to that stress.

At Oviso, we’re here to make the process simple, clear and tailored to you.

A personalised approach

We start by getting to know you.

Our expert advisers will assess your current financial situation, taking into account your income, outgoings and future plans. From there, we’ll search the marketplace – including major banks and building societies – to find a mortgage that fits your needs.

We handle the whole process for you

Our support doesn’t stop once we’ve found the right deal.

We’ll manage the entire application process on your behalf – handling paperwork, liaising with lenders and keeping everything on track. That means less stress for you and more time to focus on your move.

Why choose Oviso?

Whole-of-market access – we provide a comprehensive view of the best options available to you
Proactive communication – we keep in touch, so you’re never left chasing updates
Clear, upfront advice – We offer free initial advice, and when you’re ready to proceed, our typical fee for processing a mortgage application is £395 – which is only payable on offer or completion.

First Time Buyer →

Taking your first step onto the property ladder? We’ll search the market for the best rates and take care of all the admin so that you can focus on your first home.

Home Mover Mortgages →

Moving house? We’ll help set up your mortgage and keep everything on track, right through to the day you’re settled in your new home.

Remortgaging →

When your current deal is coming to an end, we’ll help you secure a new mortgage that’s better suited to your circumstances.

Contractor Mortgages →

As a contractor, your income structure can be different—but that doesn’t mean your options are limited. We’ll guide you through what’s available.

Buy-to-let Mortgages →

Whether you’re starting out or expanding your portfolio, our expertise can help you find the right deal while saving time and money.

Further Borrowing →

Need additional funds? Whether it’s for home improvements or a major purchase, we can help you explore further borrowing options secured against your property.

Let’s talk about your options

If you’d like to understand what’s possible, our team is here to help.

Get in touch for a no-obligation conversation.

Making it personal with our Google reviews

    
 
 
       Dan Roberts 
 26/08/2026
 
 
  The team at Oviso, particularly Arran, were absolutely fantastic and made the whole process of applying for a mortgage really simple and straight-forward. As first time buyers, Arran made any and all time available to help answer questions and guide us through the process, it really felt that he had our best interest at heart through the entire process and no "sales" style pressure. A huge thanks and we will be recommending them to others looking for this service.
  
 
      mark burgess 
 26/08/2026
 
 
  I recently enlisted the Help of Arran at Oviso for the purchase of my house. My job is unusual in that my wages can vary and some lenders are wary of that. Arran was brilliant in sourcing a lender that understood the nature of my job and were happy to lend. Throughout the process both he and Nicola were both pro-active with communication as well as being on hand to answer our shot questions and allay any worries we had. Arran really knows his stuff, and was able to explain everything to us simply, and in a way that wasn’t confusing with all the financial jargon that can get thrown around. With thanks to Arran, Nicola and the wider team at Oviso, we now have our wonderful home.
  
 
      Nick Smith 
 12/08/2026
 
 
  Excellent service as always from Matt and the team.  Definitely recommend their services to anyone. Thanks guys
  
 
      Kerry Toolan 
 10/08/2026
 
 
  We have just used Oviso for the sixth time in 15 years Every time we've moved or re mortgaged we have used them to get the best mortgage deal and life insurance policy. Each time the experience has been efficient, professional and friendly and all the advice we have received we feel has been delivered by expert's. Their customer service is faultless and we would not hesitate to recommend them to anyone. Thank you to Matt, Helen and all the team.
  
 
      Anne Simpson 
 05/08/2026
 
 
  Always a pleasure dealing with Amelia, Matt and the team at OVISO
  
 
      Chewis Mahogany 
 23/07/2026
 
 
  Great service by Arran and the team, have had his help a few times now in the past 5 years, he and the team are always on hand to support and guide you through the journey with their knowledge and expertise.
  
 
      Anthony Lomas 
 22/07/2026
 
 
  This wasn’t the first time I’ve used Oviso and it certainly won’t be the last. Brilliant advice from Arran and efficient support throughout from Nicola.
  
 
      sean holland 
 22/07/2026
 
 
  We have recently re mortgaged and whilst staying with our existing lender should have been the easiest option it proved to be very difficult. I was then advised to try Oviso and we didn't look back. From an initial meeting with Matt at his office in Derby the whole process has been trouble and stress free. We can't thank the team enough
  
 
      Corey O'Hara 
 22/07/2026
 
 
  10/10 service from start to finish thank-you so much!
  
 
      John-Daniel Marshall 
 01/07/2026
 
 
  Great people to work with, sat in my new house now thanks to Arran, who widened what we thought was possible.
  
 
 
  
 
 
   Google rating score: 5.0 of 5, based on 150 reviews

Dan Roberts

26/08/2026

The team at Oviso, particularly Arran, were absolutely fantastic and made the whole process of applying for a mortgage really simple and straight-forward. As first time buyers, Arran made any and all time available to help answer questions and guide us through the process, it really felt that he had our best interest at heart through the entire process and no "sales" style pressure. A huge thanks and we will be recommending them to others looking for this service.

mark burgess

I recently enlisted the Help of Arran at Oviso for the purchase of my house. My job is unusual in that my wages can vary and some lenders are wary of that. Arran was brilliant in sourcing a lender that understood the nature of my job and were happy to lend. Throughout the process both he and Nicola were both pro-active with communication as well as being on hand to answer our shot questions and allay any worries we had. Arran really knows his stuff, and was able to explain everything to us simply, and in a way that wasn’t confusing with all the financial jargon that can get thrown around. With thanks to Arran, Nicola and the wider team at Oviso, we now have our wonderful home.

Nick Smith

12/08/2026

Excellent service as always from Matt and the team. Definitely recommend their services to anyone. Thanks guys

Kerry Toolan

10/08/2026

We have just used Oviso for the sixth time in 15 years Every time we've moved or re mortgaged we have used them to get the best mortgage deal and life insurance policy. Each time the experience has been efficient, professional and friendly and all the advice we have received we feel has been delivered by expert's. Their customer service is faultless and we would not hesitate to recommend them to anyone. Thank you to Matt, Helen and all the team.

Anne Simpson

05/08/2026

Always a pleasure dealing with Amelia, Matt and the team at OVISO

Chewis Mahogany

23/07/2026

Great service by Arran and the team, have had his help a few times now in the past 5 years, he and the team are always on hand to support and guide you through the journey with their knowledge and expertise.

Anthony Lomas

22/07/2026

This wasn’t the first time I’ve used Oviso and it certainly won’t be the last. Brilliant advice from Arran and efficient support throughout from Nicola.

sean holland

We have recently re mortgaged and whilst staying with our existing lender should have been the easiest option it proved to be very difficult. I was then advised to try Oviso and we didn't look back. From an initial meeting with Matt at his office in Derby the whole process has been trouble and stress free. We can't thank the team enough

Corey O'Hara

10/10 service from start to finish thank-you so much!

John-Daniel Marshall

01/07/2026

Great people to work with, sat in my new house now thanks to Arran, who widened what we thought was possible.

Mortgages for first-time buyers, homemovers and landlords

A personalised approach

We handle the whole process for you

Why choose Oviso?

First Time Buyer →

Home Mover Mortgages →

Remortgaging →

Contractor Mortgages →

Buy-to-let Mortgages →

Further Borrowing →

Let’s talk about your options

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Making it personal with our Google reviews

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