Earning £50,000 a year and wondering how much mortgage you could get? See example borrowing amounts, income multiples and the factors UK mortgage lenders consider when assessing affordability.
Read our latest UK Mortgage Market Update covering 3rd–10th August 2026, including the latest mortgage rates, Lloyds house-price figures, London property prices and what borrowers should watch next.
Read how Oportfolio Mortgages helped a returning UK resident secure a £600,000 mortgage after working overseas by choosing a lender whose criteria suited their circumstances.
Barclays has made a significant change to its mortgage affordability criteria, expanding the amount of bonus, overtime, and commission income that can be used in lending assessments. Under the new approach, Barclays will now include variable income up to four times a...
TSB has announced that its popular Early Repayment Charge (ERC)-free tracker mortgages are still available across both its residential and buy-to-let ranges, a rare and flexible option for UK borrowers in an uncertain interest-rate market. These tracker mortgage...
London may be the UK's capital, but it's officially the 5th wealthiest city in the world. It has over 350,000 millionaires living within it, hundreds of international headquarters, and some of the world's most desirable property, so it's no mystery that high value...
If you’ve ever wondered how to build a property portfolio in the UK, then this is the right blog for you. More and more people are looking at property investment as a way to generate long-term wealth, diversify income streams, and build financial security for the...
HSBC has announced a major policy change that’s set to help landlords across the country the introduction of top slicing for buy-to-let (BTL) mortgage applications. This new approach gives investors the ability to use personal income alongside rental income when...
Property auctions provide a fast-paced and exciting way of acquiring your next property or home, but the majority of potential buyers believe you have to be a cash buyer to take part. To the dismay of many, you can bid on an auctioned residential property using a...
Buying or remortgaging a property in Barnes? From large mortgages and complex income to deposits and refinancing, discover the key mortgage considerations for buying or owning a home in SW13.
Looking for ways to cut your monthly mortgage bill? This real-life case study shows how our team at Oportfolio Mortgages in Putney helped one local family reduce their repayments by £300 every month, without moving home or changing their lifestyle. Just with the help...
Barclays has announced a big update to its lending criteria, increasing the maximum Loan-to-Value (LTV) to 90% for applicants who already own another residential property with an existing mortgage. Previously capped at 80% LTV, the new policy applies to both...
Suffolk Building Society has implemented a series of important reforms to its lending criteria, welcoming more and more UK borrowers to its products. This comes after enhancements to Joint Borrower Sole Proprietor (JBSP) mortgages, improved lending conditions for new...
TSB has released some refreshed rate changes across its range of mortgages today, including reductions in residential further borrowing mortgages, as part of the lender's strategy to improve affordability and meet customers' evolving needs. Here is what you need to...
HSBC has made notable changes to its policy for residential mortgage lending, with the most considerable reforms designed to make it simpler for first-time buyers (FTBs) to climb the ladder. From Monday the 1st of September 2025, the lender has increased FTB...
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.