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.
Returning to the UK Mortgage Case Study
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Articles by
Louis Mason
Louis Mason
HSBC Eases Mortgage Rules for Fixed-Term Contract Workers
HSBC has relaxed its mortgage lending criteria for certain borrowers on fixed-term contracts. Discover what the changes mean for doctors, teachers, UAE residents and anyone applying for a mortgage.
Can I Get a Mortgage If I’m Paid in US Dollars or Foreign Currency?
Are you paid in US dollars, euros or another foreign currency? Learn how UK mortgage lenders assess overseas income and how it could affect your mortgage application.
Private Bank Mortgages in the UK – Coutts Announces New Lending Criteria
If you’re exploring a private bank mortgage in the UK, you may already be aware of Coutts, one of the most recognised private banks in Britain. Known for working with high-net-worth individuals, entrepreneurs, and those with complex income, Coutts has recently updated...
Credit Score Mortgage Myth: Real Client Story
At Oportfolio Mortgages, we hear many common mortgage myths that hold potential homebuyers back. One of the biggest misconceptions? Thinking that a low credit score automatically means you can’t get a mortgage. Myth: “Their Credit Score Was Too Low to Get Approved”...
Precise Launches 6x Income Mortgage and 95% LTV Lending
Precise Mortgages has unveiled a new mortgage range offering up to six times your income, alongside loan-to-value (LTV) ratios of up to 95%. This move could transform the borrowing potential for first-time buyers, home movers, and remortgagers who have struggled to...
Metro Bank HMO Mortgages Launched
Metro Bank has officially launched into the HMO mortgage and Multi Unit Freehold Block (MUFB) markets, bringing a fresh wave of opportunity for UK landlords and property investors. This strategic move comes at a crucial time, as demand for HMO properties continues to...
Reflections on Today’s Mortgage Market: A Perspective from Oportfolio Mortgages
The mortgage market and property markets in the UK have experienced significant changes in recent years, influenced by a multitude of economic factors. Terms like "interest rate fluctuations," "gilt yields," and "cost of living pressures" are now being used in...
BM Solutions’ New Limited Company Buy-to-Let Offering
Birmingham Midshires (BM Solutions), a leading UK buy-to-let (BTL) mortgage lender, today launched its new limited company buy-to-let mortgage product, specifically geared towards landlords trading through special purpose vehicles (SPVs). This new move places BM...
Real Client Story: “I Thought I Couldn’t Buy a Home Because I’m Self-Employed”
There are actually quite a number of myths out there in the mortgage world, and especially with self-employed borrowers. Plenty of people think they're at a disadvantage when applying for a mortgage just because they don't have a standard 9-to-5 income. Today, we're...
Can You Get a Mortgage on a Flat Above a Shop?
Thinking of buying a flat above a shop? You're not alone. Such properties are traditionally lower in price and central to town, making them a good choice for first-time buyers, young professionals, and property investors. But there is one nagging query: Can you obtain...
Do You Need Life Insurance for a Mortgage?
Most people applying for a mortgage are only interested in deposits, interest charges, and lender conditions. But one of the more common questions is: Do you need life insurance to get a mortgage? The response is no, life insurance is not a legal requirement, but...
How to Choose a Mortgage Broker in the UK
Why Choosing the Right Mortgage Broker in the UK Matters Finding the right mortgage deal for you will cost you thousands of pounds throughout your term. And yet, among them all, it can become staggering. That is where a UK specialist mortgage broker can help. 1. Know...
New Virgin Money Rules for Foreign National Mortgages
Virgin Money has unveiled a major overhaul of its foreign national mortgage lending policy, bringing more flexibility and higher loan-to-value (LTV) ratios to those who are not ILR or settled/pre-settled status holders. The move will help more foreign national clients...
Is It Really a Bad Time to Buy a Home? Here’s the Real Picture.
Should You Wait to Buy a Home in 2025? Let's Break It Down. We get it. Between headlines about rising interest rates, inflation, and housing market uncertainty, it’s easy to feel like buying a home right now might be a mistake. But is it really a bad time to buy? At...
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