Why are mortgage rates going up in the UK even though the base rate hasn’t changed? This guide explains how swap rates, inflation expectations, and lender pricing affect mortgage rates, and what it means if you’re buying or remortgaging in 2026.
UK Mortgage Market Update – 23 March 2026 The UK mortgage market saw some important developments this week as the Bank of England held interest rates, lenders adjusted pricing, and housing market activity remained steady. Here’s what happened this week and what it...
When purchasing a property, securing a sufficient deposit is one of the most significant financial hurdles you’ll encounter. Saving a large enough deposit, especially when you are having to pay rent and bills at the same time. Can be very difficult. For many, this...
The Nottinghamshire based building society, which has been managing its customers finances and lending money in the UK since 1869, has joined the lender panel of Primis meaning that Primis advisors and brokerages will now have access to The Mansfield’s range of residential and buy-to-let mortgage products.
Our clients owned a residential property that they would be selling to try and purchase their dream home. Unfortunately, the new property needed a major upheaval to make it liveable for the clients and their family.
Our client and his partner both owned separate flats and their intention was to sell both and use the joint equity to purchase one single property for them both to live in. Our client’s partner sold her property very easily however he was unable to sell his property due to it having cladding.
With rent at an all-time high and independence being at the forefront of every young person’s mind, buying your first home can really make you feel like you have taken a huge leap in life and achieved something. But unfortunately, it’s not always as straight forward as saving a deposit and getting a mortgage.
Our clients wanted to help their daughter in any way they could to purchase her first property. Our clients owned their own residential property which meant they would be liable to a large stamp duty tax if they went on a standard mortgage with their daughter.
Our clients had been living in London for several years and had toyed with the idea of moving away from the big smoke and raising their children in the countryside. However, a change in employment circumstances caused a big issue.
Our client was splitting up with his partner and wanted to do a buy to let remortgage on their shared property to release equity and buy his ex-partner out. The fairly straight forward remortgages plans were thrown in to disarray when an unexpected credit issue appeared on the clients file.
This week another positive post-covid lender update has been revealed as Accord Mortgages announced that they will be increasing their maximum mortgage loan to values.
Our clients were brother who were both looking to purchase their first residential properties. After doing some of their own research they realised that unfortunately they would both struggle to purchase a property on their own so decided that they would look at buying together.
Our client approached Oportfolio for help them to secure a mortgage after struggling to find one on their own.
Originally from a country outside of the UK, they were very nervous and cautious after receiving conflicting information from friends, family, and the internet about how to secure a UK mortgage.
Hearing ‘Rates on the rise’ in the news has become something to dread but is that really sensible? And is it something we should actively worry about?
West Midlands based building society The West Brom have announced that they are launching 10 year fixed mortgage products, something that could be a massive game changer for buyers and remortgagers.
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.