Tips, insights, suggestions, and recommendations written by mortgage and protection experts to help you.
Today, Metro Bank has announced significant enhancements to its large loan mortgage offerings. These changes, effective immediately, promise greater flexibility and accessibility for borrowers seeking mortgages above £1 million. As a leading whole-of-market mortgage...
Are you a high net worth individual with a £700K, £800K, £900K, £1 Million+ large mortgage loans coming up for renewal within the next year to two years? If the answer is yes, then you are one of the 1.8 million people expected to come off their fixed rate deal. For...
So you’ve owned a property for a while and decide to rent it out. This initial buy-to-let investment proves to be a profitable source of income for yourself, so you decide to get another. Soon you find that you are in the position to buy more, and more. You have now...
The property market is a strange beast at the moment, that is no secret. Things are more complicated than they once were when searching for that dream home. Mortgages were pretty chaotic for a few months at the end of 2022 and beginning of 2023 and are still...
What Is An Early Repayment Charge? Most people reading this blog will have heard of an early repayment charge or an ERC. Chances are that you have been confronted with the prospect of having to pay an ERC or have seen it written in the small print on your mortgage...
In this edition of advisor insights, senior mortgage and protection advisor at Oportfolio Mortgages Jade Pinkerton shares her thoughts about why self-employed people need mortgage advice now more than ever. Jade and the Oportfolio team attended the PRIMIS mortgage...
One of the most common questions and enquiries that we get, especially being based in London and working with highly skilled professionals on a regular basis, is the subject of how to get a mortgage as an independent contractor. Contractors are an essential part of...
Before 'Goblin Mode' was announced as Oxford Dictionary's word of the year, I would have predicted that 'Base Rate' would be a strong contender to take the crown in 2022/23! As a phrase that has dominated the British papers over the last 12 months, it is very...
The last few months have been tough, there is no question about that. A rising cost of living in the UK has meant that the average person is now paying more for utilities like gas, water and electricity. They are paying more than ever before for food and drink. Petrol...
Despite recent economic struggles in the UK, most down to government mismanagement of taxes at the end of 2022, the UK is still a great place to own property. Especially property in high net-worth areas such as London and the South-East. In London, properties have...
In part two of our 'Meet the property professional' series, Oportfolio Mortgages spoke to chartered surveyor James Brook FRICS, co-founder of Novello Surveyors. Novello is a RICS chartered surveying firm covering locations across London, the home counties, and...
One of the most important elements of the property purchase or property finance journey, but perhaps the most overlooked. Property surveying is an essential part of the home finance narrative arch, but unfortunately a lot of people are completely in the dark about...
Are you a budding entrepreneur looking to get into the property game? Have you seen how lucrative a living you can make from receiving rental income? Well this blog might just exactly what you need if you are looking to build your property empire. In this blog, we...
When looking into getting a mortgage, whether it's your first or the 31st, you will undoubtedly come across the phrase loan to value. But what what does loan to value mean in mortgage terms? In this blog we will go through the ins and outs of loan to values and the...
Owning a property outright with no mortgage is a dream for a lot of people. Most people who buy property in the UK, for residential purposes or for investment purposes such as buy-to-lets, will need to take out a mortgage loan. With the average price of a property in...
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.
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