Mortgage News, Insights & Advice
All the latest UK mortgage news, insights and advice from the world of mortgage lending and Oportfolio
UK Mortgage Market Update: Rates Near 6%, House Price Growth Slows and New First-Time Buyer Scheme – 2nd of November 2026
UK mortgage rates remain near 6%, house price growth slows to 0.5%, and a new first-time buyer scheme is confirmed. Here’s what borrowers need to know.
Mortgages for Dentists: How Much Can You Borrow and How Do Lenders Assess Your Income?
Can dentists get bigger mortgages? Discover how lenders assess NHS, private and self-employed dental income, including mortgages for associates, newly qualified dentists and practice owners.
Can You Get a Mortgage on Maternity Leave in the UK?
Can you get a mortgage while on maternity leave? Discover how UK lenders assess your return-to-work salary, maternity pay, childcare costs and affordability.
UK Mortgage Market Update: Inflation Rises and Mortgage Deals Change Faster – 26th of October 2026
UK inflation has risen to 3.5%, while mortgage deals are now changing after just 13 days on average. Discover the latest UK mortgage rate developments, lender changes and house price trends, and what they mean for buyers and homeowners approaching remortgage in our weekly update for the 26th of October 2026.
UK Mortgage Market Update: Rates, House Prices and Outlook – 19th of October 2026
Mortgage rates stabilised in mid-October as lenders introduced selective reductions and house price growth slowed. Discover what the latest UK mortgage market developments mean for you.
UK Mortgage Market Update – 12th of October 2026
Mortgage rates have finally shown signs of easing after weeks of increases. Santander, Halifax and Yorkshire Building Society have introduced selected reductions, with some fixed deals dropping below 5%. Here’s what changed between 5th and 12th of October 2026.
What Happens If Your Mortgage Valuation Is Lower Than Your Offer?
What happens if your mortgage lender values a property below your offer? Learn how a mortgage down valuation can affect your LTV, deposit and borrowing, and the options available to keep your purchase on track.
UK Mortgage Market Update – 5th of October 2026
UK mortgage rates increased again this week as mortgage approvals fell to their lowest level since 2023 and the housing market slowed. We look at the latest rates, lender changes and what they mean for buyers and homeowners.
Do I Need Income Protection Insurance?
Do you need income protection insurance? Discover how income protection works in the UK, what it covers, how much it costs and how to decide how much cover you may need.
Joint Borrower Sole Proprietor Mortgages
A joint borrower sole proprietor mortgage can allow another person’s income to support your mortgage without them necessarily owning the property. Find out how JBSP mortgages work, which lenders offer them, the stamp duty implications and what supporting borrowers need to know.
Can You Get a Mortgage on a Flat With a Short Lease?
Buying a flat with a short lease? Discover how remaining lease length affects mortgage eligibility, lender criteria, property valuations and your options.
UK Mortgage Market Update: 28th of September 2026
UK mortgage rates continued rising between the 21st and 28th of September, but not every lender followed the same direction. We examine the latest fixed rates, lender changes and what they mean for buyers and homeowners.
Could UK Interest Rates Rise Again? What HSBC’s Latest Economic Outlook Means for Mortgage Borrowers
Could UK interest rates rise again? We look at HSBC’s latest economic outlook, what could happen to Bank Rate and inflation, and what it could mean for mortgage borrowers in 2026 and 2027.
Can I Change My Mortgage After Receiving an Offer?
Already received your mortgage offer but found a better rate? We explain whether you can change mortgage product or lender before completion and when switching could be worthwhile.
UK Mortgage Market Update – 21st of September 2026
UK mortgage rates rose sharply between the 14th and 21st of September despite the Bank of England holding Bank Rate at 3.75%. We look at the latest fixed rates, lender changes, house prices and what borrowers should watch next.
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