The latest UK mortgage market update covering 10th–17th August 2026, including falling asking prices, higher mortgage rates, London property trends and the latest interest-rate outlook.
Earning £60,000 a year and wondering how much mortgage you could get? See potential borrowing amounts, income multiples, deposit examples and the factors UK mortgage lenders consider when assessing affordability.
Discover how Oportfolio Mortgages helped an experienced portfolio landlord with six properties refinance selected buy-to-let mortgages and release £150,000 towards another investment.
In most cases, you’ll need a salary of around £100,000–£125,000 to secure a £500k mortgage in the UK, depending on your deposit, income structure, and lender affordability rules. Below, we break down realistic salary scenarios, deposit examples and lender calculations...
Is it better to fix for 2 years or 5 years in 2026? This week’s mortgage FAQ answers one of the most common questions we’re hearing from buyers and homeowners right now, should you choose a 2-year fixed rate or a 5-year fixed rate? This is one of the most common UK...
UK Mortgage Market Update – 2 March 2026 The UK mortgage market continues to shift as expectations around interest rates change, mortgage pricing stabilises, and house price data shows renewed momentum. Here’s what happened this week, and what it means if you’re...
How We Helped a London Buyer Borrow £80,000 More Than Their Bank Offered The Situation Our clients were a London-based professional couple looking to buy their next home with a required mortgage of £700,000. They had strong incomes and a solid deposit in place, but...
In most cases, you’ll need a salary of around £80,000–£100,000 to get a £400k mortgage in the UK, depending on your deposit, income type, and lender affordability rules. Below, we break down realistic salary scenarios, deposit examples and lender calculations so you...
Should I wait for mortgage rates to fall? This week’s mortgage FAQ answers one of the most common questions we’re hearing from buyers and homeowners right now. Many people are wondering whether they should wait for rates to fall, or act sooner. Here’s what you need to...
UK Mortgage Market Update – 23 February 2026 The UK mortgage market continues to shift as inflation eases, interest rate expectations change, and house prices show signs of renewed momentum. Here’s what happened this week, and what it means if you’re buying,...
In most cases, you’ll need a salary of around £60,000–£75,000 to get a £300k mortgage in the UK, depending on your deposit, income type, and lender affordability rules. Below, we break down real salary scenarios, deposit examples, and affordability tables so you can...
We helped a client to secure a £1 Million+ mortgage with bonus income within 7 working days. But, it wasn't as simple as it might seem. The Challenge A client with strong earnings needed a large mortgage quickly, but their income structure included variable bonus...
If you’re looking to borrow a significant amount, you may be wondering: “How do I get a large mortgage in the UK?” Large mortgages, typically £500k and above, often require a more specialist approach than standard lending. In this guide, we’ll cover: How to get a...
Recently, Oportfolio Mortgages spoke to chartered surveyor James Brook FRICS, co-founder of Novello Surveyors. Novello is a RICS chartered surveying firm covering locations across London, the home counties, and Yorkshire. In a sometimes difficult to navigate property...
If you earn £100,000 a year, a mortgage of around £400,000 to £450,000 may be a useful starting estimate based on income multiples of 4 to 4.5 times salary. However, eligible higher earners can potentially access 5, 5.5 or even 6 times income with some UK mortgage...
If you have any questions about UK mortgage news or anything you’ve read then please get in touch. We’d love to hear from you.