New data released by mortgage lender Halifax claims to show that a massive 63% of first time buyer mortgages taken out in 2022/23 are in joint names rather than a sole purchase. That means that just 37% of first time buyers are taken out by a single person on their...

This blog comes from Oportfolio Mortgage's Senior Mortgage and Protection Advisor Jade Pinkerton. I had an appointment yesterday with some clients and it was an interesting conversation to say the least. We discussed many things, but one thing in particular was quite...

In an email sent out to brokers this morning, insurance advisor LV= have announced that their research has revealed that 5 million UK adults can't afford bills and other day-to-day expenses. In LV='s newly released report, they revealed several statistics that really...

2023 is already shaping up to be a very interesting, and hopefully positive year for mortgages and the property market. Well, let's face it, anything is better than the disaster of the end of 2022. We all know that mortgage rates increased significantly in September...

Although a generally generous mortgage lender and a big name player in the UK mortgage market, Santander has come under criticism in the past for their attitude towards credit commitments when assessing mortgage affordability. However, Santander have recently...

When looking at getting a mortgage as a self-employed person, it can be difficult to get your head round exactly what you need to provide and what the mortgage lenders will need to see. For things like product transfers, chances are that the lender is unlikely to ask...

Official figures released by the Bank of England this month shows that UK inflation has dropped for the second month in a row in December 2022. Figures show that inflation was at 10.7% in November and had dropped to 10.5% in December. Not a huge drop but much better...

The entire property news industry and admittedly ourselves too, reported at the end of 2022 that the average UK house price would more than likely tank in 2023 as an increased cost of living and a subsequent reduction in the amount of people interested in purchasing...

In a promotional video released today by multi-national wealth management group Investec, Chief economist Philip Shaw has claimed that he predicts that inflation in the UK will likely come down very sharply as the overall outlook of the developed world economy starts...

At the end of 2022 mortgage rates in the UK increased to levels that I think we can fairly say that no one expected. This was mainly due to a mismanagement of taxes and budget by the government at the time. Products offered by lenders originally at sub 2% were coming...

Looking for help with finances? Mortgage rates and products putting you in a spin? Want a place to get all the information, help and guidance you need at the click of a button? We are well into the 3rd decade of the 21st century now, so why would anyone waste time on...

Historically, getting a Halifax mortgage has always been a pretty safe option. One of the main players in the UK mortgage market, Halifax has always offered high loan to value, competitively priced, and low fee mortgage products. Even in times of economic struggle,...