Credit profile dos and don'ts

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.

Three reasons why life insurance is vital

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. 

Team Oviso on par for the course

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.

Amelia goes back to her roots with Oviso

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.

The Bank of Mum and Dad continue lending

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! 

Buy-to-let Taxes

Five tax rules all landlords need to know

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. 

Boost your savings for your first home by up to £3,000

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. 

First-time buyers reach 10 year high

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. 

Oviso goes back to its roots

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.

HELP! I’m self-employed

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.

Moving on up

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. 

Are you covered for your mental health?

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?

Wills explained

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