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Enjoy 3 months mortgage free, on us

A much needed break from rising costs of living to get you owning a home this year.

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Data story

AI for estimating house prices - Podcast

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Proportunity in 2 minutes

Find out how Proportunity can help you buy better and buy smarter in just 120 seconds.

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First-Time Buyers Guide

Broker Breakdown: How to get a mortgage when you’re self-employed

Our monthly Broker Breakdown guest series keeps first-time buyers and home buyers informed about the latest updates in the housing market. If you're self-employed, how is getting a mortgage any different from everyone else? Our guest contributor, Romit provides insider tips to make sure you can secure a mortgage like the boss that you are.

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First-Time Buyers Guide

How to know if your home will go up in value

Buying a home is a big investment and an important one for your future. With so many properties to choose from, how do you know if the home you’re buying will give you returns over time? 

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Broker Breakdown: Bank’s affordability changes mean bigger mortgages for first-time buyers

Our monthly Broker Breakdown guest series keeps first-time buyers and home buyers informed about the latest updates in the housing market. Banks may be removing their mortgage affordability test. What does this mean?

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Best Places to buy in Cardiff for Home Buyers

Top 10 areas in Cardiff with best property value potential according to the Proportunity Home Index.

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New Partners

Tembo latest addition to Proportunity brokers

Tembo Joins Proportunity Broker Panel

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Data story

Best places to buy in Manchester for First Time Home Buyers

Proportunity, a London-based neolender, has unveiled the hidden gems in Greater Manchester that first-time buyers (FTBs) might be missing out on purchasing, with properties in Old Trafford having the highest potential value.

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New Partners

The Mortgage Brain Partners With Proportunity

Mortgage broker The Mortgage Brain (TMB) has announced a partnership with shared equity loan provider Proportunity to help borrowers with small deposits become home owners.

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Data story

Best areas in Birmingham for home buyers

We've run the data and these are the areas with the most potential for home buyers in Birmingham

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New Partners

Exclusive Offer - save £290 with Just Move In and Proportunity

Just Move In At Proportunity it’s our mission to unlock the future of home financing to meaningfully improve our customers lives.

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Essentials
Data story

Best places to buy in Liverpool

We ran the data and these are the results. Find out the top undervalued areas in Liverpool.

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New Partners

Affinity Mortgages added to broker panel at Proportunity

Independent mortgage and protection adviser Affinity Mortgages has been added to the panel of brokers at Proportunity, the shared equity loan provider.

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First-Time Buyers Guide
Data story

10 hidden gems in London that are real investments for first-time buyers

Proportunity reveals that South London is best for areas with the most growth potential

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First-Time Buyers Guide

10 hidden gems in the Birmingham area that are real investments for first-time buyers

Proportunity reveals that Longbridge & Rubery is the area with the most growth potential in Birmingham

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Essentials

Why buying in your 20s is totally worth it

If you're thinking about buying a home in your 20s, you're not the only one. Here are all the benefits to buying earlier and getting on the property ladder sooner rather than later.

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Irvin & Christine's Proportunity – A home beyond four walls

Meet Irvin and Christine. As nurses working long shifts, Irvin and Christine needed a short commute from work to ensure they were able to rest and recharge for the next day. For them, this meant searching for a home in central London.

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Homebuyer Stories

Sree & Elena's Proportunity – A home for a family

Meet Sree and Elena. They had their first child and were ready to settle down into a space they could call their own. A place where they could build memories as they started their new chapter with their little girl. 👨‍👩‍👧

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Essentials

How to stay on track of your deposit saving goals this holiday season

‍Saving for a deposit is already hard enough and it’s especially difficult going into the holiday season. With gifts, parties, and other entertainment commitments packed in a short month, it’s easy to overspend or get into debt during this time of year. In fact, the average adult in the UK buys 32 gifts and spends well over £420 on gifts each year! Before you throw your saving goals out the window and write off December completely, read on to find out how you can still enjoy all the holiday festivities and not rack up a hefty bill. 

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10 ways to improve your credit score

There is still hope! Your credit score is one of the key pieces of information that a mortgage lender will review before they approve your application. Don’t let a poor credit score hold you back from affording your dream home! Plan ahead and read these tips to help you reach a shiny credit score in no time.

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Credit score: What is it and how to check it

The credit score, one of the key pieces of the mortgage application puzzle that you need to maintain. So what exactly is it, who is scoring it and what can you do to keep this score high?

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The only A-Z glossary of property jargon you need

The home buying journey is already confusing enough. It doesn’t help that there seems to be an entire language to learn to make sure you understand all the documents you are reviewing and the conversations you are having along the way. Here is a beginner-friendly glossary to help guide you and clear up some of the question marks hanging over your head! We suggest bookmarking this page and keeping it handy the next time you speak with the seller, broker or estate agent so you can become your own expert. 

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Homebuyer Stories

James & Vicki's Proportunity - Finding a forever home

“We came into it with a lot of maybes. But together with Proportunity and the whole deal, it just came through, just right. It was perfect.”

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Homebuyer Stories

Richard's Proportunity – Putting an end to renting

"You're going to be spending the majority of your life in this place, so it has to be really special, you have to really love it." 14 years. That’s how long Richard had been renting in London and he had enough of it. 

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Homebuyer Stories

Bettina’s Proportunity – A space of her own

“We’re all in this machine, and you can either choose to pay rent to someone else, or pay rent to yourself, and that feels better.” Bettina, age 32, had been renting a flat with several of her friends throughout her 20s, but she knew in her heart that it wasn’t something she wanted to keep on doing forever.

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Essentials

Stamp duty is on holiday - but we’re not!

If you’re saving up for a deposit to buy a home, you might have already considered the additional expenses it involves, such as stamp duty tax. In July the government announced a Stamp Duty holiday that ends March 31, 2021. Find out what this means for you.

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Team

We make home ownership possible

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Essentials

Getting ready to buy a home after COVID-19

The lockdown imposed to restrict the spread of the Covid-19 virus has impacted all industries and all individuals. Home-buying is certainly not an exception - read on to find out how you might be affected, and what you can do to make the most of the “pause” in usual routine that can put you in the best possible position for when restrictions are lifted.

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Essentials

How does COVID-19 affect me when buying a home?

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Essentials
First-Time Buyers Guide

Myths about home buying

Buying a home is one of the biggest decisions anyone can make in their lifetime. The minute you tell anyone about your decision, no doubt you’ll receive endless amounts of tips and “advice”. Although well-intentioned, many of these tips turn out to be myths and we’ve heard our fair share of them! In fact, if we had £1 for each myth we’ve heard from first-time buyers, we’d probably have a deposit for a home or two 😊 

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First-Time Buyers Guide
Essentials

Mortgage interest rates explained

Understanding interest rates can help us understand how to pick the right mortgage product. Read on to gain some insights into why we pay interest, when we pay it, and what it means for your personal finances.

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First-Time Buyers Guide
Essentials

Freehold & leasehold. What’s the difference?

There is more than one way to own a home… freehold and leasehold are two different types of ownership. Read on to find out what makes them different, and which suits your circumstances better.

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First-Time Buyers Guide
Essentials

How much deposit do you need to buy your first home?

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Essentials
First-Time Buyers Guide

Boosting your mortgage deposit with another loan - how does it work?

Saving up a deposit for your first property is tough and it takes time. Read this article to find out whether loan products can help you get there, which mortgage lenders will accept them, and how they could affect your credit rating.

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First-Time Buyers Guide

Loan to value (LTV) explained

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First-Time Buyers Guide
Essentials

Home equity loans: A simple guide

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Home buying timeline from start to finish

How long does it take to buy a house? From property search, all the way to completing the sale, here's an indicative timeline for each stage of the process.

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Essentials
First-Time Buyers Guide

Tips on saving for a mortgage deposit

To get out of the rent trap and buy your own home, you'll need to raise a deposit. Saving a mortgage deposit is never easy. Expect to spend a few years coming up with one. But how to save for a mortgage deposit? Here are a few things you can do to get started.

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Essentials
First-Time Buyers Guide

Finalising the mortgage, exchange of contracts & completion

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Applying for a mortgage

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The legal process in buying a home - why does it take so long?

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Property searches and surveys

You've found your dream home, what's next? Once your formal offer is accepted, you’ll need to contact a legal professional (conveyancer or solicitor) and a surveyor. They will perform what's known as property searches and surveys respectively. Here's what you need to know.

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Essentials
First-Time Buyers Guide

Negotiating house prices: best practices for making an offer

When making an offer, many first-time buyers don’t know where to begin. Successfully negotiating the house price could save you thousands, or even tens of thousands on your property purchase! Read our tips and tricks to find out how to structure an offer, add credibility, and pave the way for a successful negotiation.

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Essentials
First-Time Buyers Guide

Making an offer on a house

How exactly do you do it?

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Essentials
First-Time Buyers Guide

The basics of a mortgage loan

When buying a home, the majority of buyers are unable to afford it straight up. This is where a mortgage comes in. A mortgage is a special type of loan, as it is specifically tied to the home you are buying. There are many different types of mortgage lenders. This article will take a look at the most common type of mortgage that could help you buy a home.

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Essentials
First-Time Buyers Guide

What to look for when buying a home

Finding a property can prove a never-ending task. If you haven't narrowed down which areas you want to live in, you'd best get that out of the way first. Settled on an area already? Time to start house-hunting.

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First-Time Buyers Guide
Essentials

Choosing an area to live in

Once you understand your affordability, the exciting part of owning a home can begin 😊 Finding your dream home should be a fun journey - and knowing what you are looking for will make it much easier!

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First-Time Buyers Guide
Essentials

Understanding the costs of buying a house

The most important step to owning a home is understanding what you can afford to buy. The actual cost of buying a house or a flat goes well beyond the asking price. You'll need to consider a range of additional expenses, from solicitor to removal fees. This article will help you create a realistic plan for saving and budgeting... after all, buying a home is one of the most important financial decisions you could make!

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First-Time Buyers Guide
Essentials

Who's who in the home buying process?

What does a solicitor do? Is a solicitor the same as a conveyancer? What's the role of a mortgage broker? We're here to break it all all down.

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First time buyers guide

Stressful? Confusing? Time-sapping? We understand how tough buying a home can be, especially for first time buyers! That’s why we’ve compiled a step by step first time buyers guide to help you understand what is involved from start to finish. Using our guide you’ll be informed, ready and willing to get started on your journey to buying your first home!

Start here
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.
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You made an offer on your dream home! What happens next? | Part 4/4
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