We're giving away
in prizes towards a new home!

Afford up to £150,000 more with Proportunity

An extra bedroom? A garden? Whatever it is that matters to you, we can increase your home buying budget by up to £150k.

Authorised and regulated by the FCA

Bank only
£
295
K
Min 10% deposit
With Proportunity
£
393
K
Min 5% deposit
VS
Household income
£
60
k
£
20
k
Savings
£
25
k
£
20
k
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approx £
5
k
 Stamp-duty
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Two side by side circles of concentric dots depicting properties available without and with Proportunity. The left-hand side circle shows 13 available properties, while the right-hand side shows a significantly larger number of available properties.

More choice, less compromise

Our equity loan gives you a bigger budget by up to £150k meaning a lot more choice and a lot less compromising.

Find out what you could afford

A home you love, sooner

Our loan lets you buy with a 5% deposit so you can stop worrying about saving and start getting excited about owning a new home.

Start owning
A green keychain with four keys on the chain.
Three lined-up photos of three lively coloured doors for three London-looking victorian homes. The first door has a 25% under valued tag and a check mark below it on a green background. The second door has a 10% under valued tag and a check mark below it on a blue background. The third door has a 20% over valued tag and a cross mark on a red background below it.

Buy with confidence

Our property market technology means we can tell you where the best places to buy are and what a property is really worth.

Find fair-value homes

What can you afford?

Household income
£
60
K
£
20
k
Savings
£
25
K
£
20
k
Deposit
6
%
£
25
K
Proportunity Loan
25
%
£
98
K
Mortgage
69
%
£
270
K

£

393

K

Your budget
vs £
295
K without Proportunity

Estimated per month

Mortgage
£
818
Proportunity
£
695
Total
£
1513

Affordable

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homes in London within your budget

10
Without Proportunity
113
With Proportunity
Browse homes
Green left arrow

How it works

1.
Calculate your budget

Use our calculator above to figure out how much you can afford.

A stylised depiction of a pocket calculator in green lines.
2.
Find a home you love

Find a home your way, or let us help make the most of your budget.

A tag showing a green checkbox and a "25% under valued" text below it.
3.
Apply for home finance

We lend up to £150k alongside your 5% deposit. A mortgage provider lends you the rest.

A visual breakdown of the funding structure for a home purchase with the Proportunity Loan. Most of the property is funded by a high-street bank (depicted in red), with a 20% or so funded through the Proportunity Loan (in green), and 5% customer deposit (in yellow).
4.
Repay the Proportunity Loan

You cover the interest and, when you’re ready, you pay back the shared equity loan.

A green tag showing a British Pound £ character with two arrows on either side of the tag denoting motion.

How we compare

Proportunity
White check mark.
We're here to stay
White check mark.
New-builds and pre-owned homes*
*Subject to our property eligibility criteria
White check mark.
Live where you want
White check mark.
Fair value homes
We help you find the best home
Help-to-buy
White cross mark.
Due to end in 2023
White cross mark.
New-builds only
White cross mark.
Limited to developer sites
White cross mark.
Overpriced homes
Typical 10-40% above market value
Share ownership
There is no real comparison.

With the Proportunity Loan the home is 100% yours and you don't pay rent.

IF YOU STOP PAYING YOUR MORTGAGE, YOU COULD LOSE YOUR HOME.

What some of our 35,000 customers say

Authorised and regulated by the FCA

Best people and company ever!

"COVID-19 was a stressful time. Our sellers were chasing us again and again — big nightmare. Thankfully Stef was there to help us. He kept his cool and help us to kept ours too. Despite having all the pressure from every side, one call to him and we felt relaxed. Proportunity gave us the opportunity to realise our dream. Our children are going to have their own bedroom. Never thought it will happen..."

Toco & Tatiana
A star-based rating system comprising of five stars, each in a square. The stars are on a green background, showing that the rating is 5 stars.
1st time buyer. Couldn't have done it without them

"When my initial mortgage in principle fell through, Proportunity's products and services helped me close the deal on my 1st property. [...] My monthly repayments are more than manageable and I am now comfortable in my own space. As a single 30 year old living in London, I am grateful to be in this position and I couldn't have done it without them..."

Mo
A star-based rating system comprising of five stars, each in a square. The stars are on a green background, showing that the rating is 5 stars.
Proportunity helped us afford our first home

"We went to a Proportunity expo at Acorn Properties in September 2018. By the time that COVID19 hit, we were quite a way off our deposit target. In January 2020, we found our home. We were still off our target. We made an offer and Proportunity helped us manage the time until we were able to close the deal. It took 8 months. A lot of cool heads and everyone is smiling now. Thanks guys. Top marks."

James & Vicki
A star-based rating system comprising of five stars, each in a square. The stars are on a green background, showing that the rating is 5 stars.

Seize your Proportunity.

Start owning
SSM One Limited (trading as Proportunity Loans) is an intermediary only lender authorised and regulated by the Financial Conduct Authority (with firm reference number 716565). SSM One Limited is registered in the UK at Companies House with reference number 09273700, with its registered office at GG 315, Metal Box Factory, 30 Great Guildford St, London SE1 0HS, United Kingdom.
May
26
upcoming event
You made an offer on your dream home! What happens next? | Part 4/4
Online event
18:30 - 19:30, 26 May 2022
Find out more
A black cross mark.