Tips, insights, suggestions, and recommendations written by mortgage and protection experts to help you.
A bigger deposit can help you access lower mortgage rates, but more isn’t always better. Learn how LTV bands affect mortgage pricing and when increasing your deposit could make a difference.
Can you get a mortgage on a flat above a shop? Find out what lenders consider, including the business below, your deposit, access, lease, mortgage valuation and future resaleability.
Do you need life insurance for a mortgage in the UK? Discover whether it’s compulsory, if you can get a mortgage without it, and which type of life insurance could help protect your home and family.
To borrow £300,000, you would typically need a household income of around £66,667 if a lender offered 4.5 times your income. At 4 times income, you would need £75,000, while a lender willing to consider 5 times income could potentially lend £300,000 on an income of...
If you’re looking to borrow a significant amount, you may be wondering: “How do I get a large mortgage in the UK?” Large mortgages, typically £500k and above, often require a more specialist approach than standard lending. In this guide, we’ll cover: How to get a...
Recently, 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 Yorkshire. In a sometimes difficult to navigate property...
How much mortgage can you get on a £100k salary? See borrowing examples from £400k to £600k and how deposit, LTV, bonus, commission and income structure can affect affordability.
Canning Town has rapidly become one of East London’s most exciting regeneration hotspots, and Crown Wharf by Barratt Homes sits right at the heart of this transformation. Combining riverside living, excellent transport links and modern design, Crown Wharf Canning Town...
If you’ve ever faced repossession, sold a property for less than the outstanding mortgage, or are trying to move on financially after a difficult period, you may be wondering how long before a shortfall debt is written off, and what your options really are. Mortgage...
As we move into 2026, the UK mortgage market feels cautiously optimistic, but far from straightforward. After attending PRIMIS’s 2026 kick-off event, it’s clear that while demand for mortgages remains resilient, wider economic uncertainty continues to shape how...
A second charge mortgage is a type of secured loan that allows homeowners to borrow money against the equity in their property, while keeping their existing mortgage in place. Rather than replacing your current mortgage (as with a remortgage), a second charge mortgage...
If you’re searching for stylish, modern living in a fantastic, well-connected part of South West London, London Square Wandsworth Common is a development you’ll want at the top of your list. Situated a short walk from the iconic parkland of Wandsworth Common and...
If you’re looking for an Earlsfield new build that doesn’t lose any of the unbeatable South West London charm, King George’s Gate is one of the most exciting developments currently taking shape. Delivered by Taylor Wimpey, this collection of high-quality apartments...
Thinking of buying a second property? Whether it’s for extra space, family use, a future investment, or even the occasional getaway, many people eventually find themselves asking, “Can I get a second mortgage?” The short answer is yes, second home mortgages are...
If you're thinking about buying a flat, you’ll quickly come across three terms that can feel a bit confusing at first. These terms are service charge, ground rent, and leasehold. They’re all important, not just for understanding your long-term costs, but also when...
