Mortgage News, Insights & Advice
All the latest UK mortgage news, insights and advice from the world of mortgage lending and Oportfolio
Precise Mortgages Criteria: New Interest-Only, LTV & Property Rules
Precise Mortgages has expanded its residential mortgage criteria, including interest-only lending up to 75% LTV, consideration of flats above 20 storeys and wider age and income eligibility. We explain what’s changed and who could benefit.
Can I Make an Offer on a House Without a Mortgage in Principle?
You don’t legally need a Mortgage in Principle to make an offer on a house, but having one can strengthen your position as a buyer. Here’s when to get an AIP, what it proves and what happens after your offer is accepted.
UK Mortgage Market Update – 14th of September 2026
UK mortgage rates continued to rise between the 7th and 14th of September 2026, but new data suggests buyer demand may be starting to improve. Here’s what changed this week and what borrowers should watch next.
Life Insurance For Cancer Patients
If you’ve been diagnosed with cancer or are a cancer survivor, you may still be able to get life insurance. Learn how UK insurers assess applications, what affects your eligibility and how to improve your chances of finding suitable cover.
What Is Contents Insurance & What Does It Cover?
What is contents insurance? Find out what home contents insurance covers, how much protection you may need and why it matters when buying a property or arranging a mortgage.
Does a Bigger Deposit Get You a Better Mortgage Rate?
A bigger deposit can help you access lower mortgage rates, but more isn’t always better. Learn how LTV bands affect mortgage pricing and when increasing your deposit could make a difference.
UK Mortgage Market Update – 7th of September 2026
UK mortgage rates have started rising again as swap rates increase, while new data shows house prices falling annually for the first time since 2023. Here’s what changed between 31 August and 7 September 2026.
Can You Get a Mortgage on a Flat Above a Shop?
Can you get a mortgage on a flat above a shop? Find out what lenders consider, including the business below, your deposit, access, lease, mortgage valuation and future resaleability.
Do You Need Life Insurance for a Mortgage?
Do you need life insurance for a mortgage in the UK? Discover whether it’s compulsory, if you can get a mortgage without it, and which type of life insurance could help protect your home and family.
UK Mortgage Market Update – 1st of September 2026
UK house prices rose 1.6% annually in August while mortgage approvals fell to their lowest level since January 2024. We look at the latest mortgage rates, lender changes and what they mean for borrowers.
Virgin Money Highlights Interest-Only Mortgage Options for Borrowers
Virgin Money has highlighted its interest-only mortgage options, including borrowing up to 75% LTV and £1 million, alongside a range of accepted repayment strategies.
How A Higher Property Valuation Saved Our Clients £75 A Month On Their Mortgage
A higher property valuation moved our clients from a 95% to an 85% LTV mortgage product, reducing their monthly mortgage payments by around £75. Here’s how it happened.
Life Assurance vs Life Insurance
Confused by life assurance vs life insurance? Discover the key differences, how each type of cover works, and which option could be right for your family, mortgage and long-term financial plans.
Does a Single Person Need Life Insurance?
Do you need life insurance if you’re single? We explain when single people may need life cover, when they may not, and the other protection options worth considering.
Can I Get A Mortgage Before Selling My Current Home?
Found your next home before selling your current property? Find out how buying before selling can work, including mortgages, equity, deposits, porting and Stamp Duty.
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