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.
Read our latest UK Mortgage Market Update covering 27th July–3rd August 2026, including the Bank of England’s Base Rate decision, mortgage rate trends, house prices and what borrowers should watch next.
Discover how Oportfolio Mortgages helped a buyer secure a mortgage and complete on time when purchasing a chain-free property, keeping the transaction moving smoothly from offer to completion.
With increasing interest rates, homeowners and buyers in London are experiencing increased mortgage costs and less stringent affordability checks. It is essential to understand how these impacts will have on your planning for finances in the current economic climate....
London buy-to-let property is a smart long-term investment. But buy-to-let property loans are treated differently than regular residential mortgages. First-time landlord or portfolio extension, an understanding of the way they work and how to secure the best deal is...
Stamp Duty Land Tax (SDLT) is a key cost that London homebuyers must include in their budget. Whether you're a first-time buyer or looking to expand your portfolio of properties, understanding how the tax is charged will avoid unexpected fees and enable you to better...
The UK remortgage market showed renewed momentum in May 2025, with fresh data revealing a 12% surge in instructions compared to April 2025, according to the latest LMS Monthly Remortgage Snapshot. This sharp increase points to growing consumer interest in remortgaging...
Nationwide Building Society has just announced a significant update that could open the door to homeownership for thousands of prospective buyers. From today, the lender is increasing the Loan-to-Value (LTV) limits on new build properties, providing a much-needed...
Loan-to-value (LTV) is one of the most important concepts in mortgages, but many buyers don’t fully understand what it is or why it matters. At Oportfolio, we ensure our clients know how their deposit affects their options. There are lots of loan-to-value ratio...
TSB has announced a series of rate reductions across its residential mortgage range, happening immediately and offering more competitive deals for first-time buyers, home movers, and those using shared ownership or shared equity schemes. In this article we will...
When looking for a mortgage, one of the first decisions you’ll face is: should you go directly to a bank, or work with a mortgage broker? Both have their benefits, but depending on your situation, one path may be better. Bank vs mortgage broker. Which ultimately comes...
If you do have an existing property in London, remortgaging could potentially save you thousands, or allow you to tap into cash for home improvements or other big plans. But at what time is best, and what do you expect? At Oportfolio, we remortgage London homeowners...
This summer we have seen UK house prices slashed, taking a significant turn in favour of buyers, according to the latest Summer Property Insights report from Barclays Bank. The research shows a clear yet surprising trend. Despite a red-hot start to the year driven by...
Self-employed people typically face particular challenges in securing a mortgage. Starting your own business is great, but it will complicate your path to homeownership. At Oportfolio, we often help freelancers, contractors, and entrepreneurs secure reasonably priced...
When buying a home or remortgaging, you will be told to "speak with a mortgage broker", but what do they do and how can they help? At Oportfolio, our work as mortgage brokers is to take a complex process and make it simple and give you the best chance of 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.