Tips, insights, suggestions, and recommendations written by mortgage and protection experts to help you.
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...
Is It Still Worth Investing in a House in the UK in 2025? You are not alone if you find yourself wondering if it is time to invest in a house in the UK. With rising interest rates, volatile house prices, and economic uncertainty, many first-time buyers and upgraders...
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...
In a challenging economy like the one we find ourselves in today, the help and support of an experienced and dedicated mortgage broker is invaluable. Going it alone in the mortgage world at this moment in time is dangerous as rates increase left right and...
Your current fixed mortgage deal might not be up for renewal anytime soon, but is it worth biting the bullet and paying the lender's early redemption penalty to secure a new mortgage deal now? Last week the mortgage market fell into chaos as lenders started...
As financial advisors, we are passionate about taking care of people and making sure that we can help make people's lives better financially in any way we can. So, with this mentality at the forefront of everyone in the office's minds, we wanted to extend our...
It seems that the only thing the newspapers are talking about right now is how bad the state of the country is economically. Every headline seems to say something about incompetent government ministers, ill-judged tax reductions, the soaring cost of living, and the...
Yes...we've said it. The C word. Christmas! In most circumstances, Monday the 3rd of October would be WAY to early to start talking about Christmas however when it comes to mortgages and property you can never be too early. Christmas is 83 days away or just under 12...
*Please note that we are not currently hiring any mortgage advisors or providing any training Today, people need mortgage advisers and financial advisers in general, more than ever. The mortgage market is a bit of a mine field at the moment, to put it lightly. And to...
Something that is often overlooked when purchasing a property by many are the fees that can be associated with it. The majority of people who buy a house or an apartment need a mortgage and the majority of people who need a mortgage will need insurance. But,...
One of the most common worries that people have when buying a property, is how long will it take for the mortgage to be approved? It doesn't matter if you are a first-time buyer, second, third, fourth time buyer, or even a serial landlord. The fear that your...
Purchasing a property for the sole purpose of letting it out for short term holidays or short term business breaks has become increasingly popular in recent years, thanks primarily to the holiday let conglomerate Airbnb. So what do you need to do if you want to...
When it comes to getting a mortgage, there are a few rules and regulations that you need to follow and different lenders have different criteria. Each lender's criteria helps safe guard themselves from potential risks when lending money and also safe guards...
In our previous two blogs, we answered the internets most common questions about the mortgage and the home buying process. Another extremely important of getting yourself financially secure and organised, is to make sure that you have the right relevant personal...
In our blog from earlier this week, we answered some of the internet's most common questions about the mortgage process when buying a property. A lot of new home buyers have questions around the process outside of mortgages too. So we thought it would be useful...
If you have any questions about UK mortgage news or or anything you’ve read then please get in touch. We’d love to hear from you.