Mortgage News, Insights & Advice
All the latest UK mortgage news, insights and advice from the world of mortgage lending and Oportfolio
UK House Prices and Rents Continue to Rise
The UK housing market has continued its upward trajectory, with new figures from the Office for National Statistics (ONS) revealing a 5.4% rise in average house prices in the year to February 2025. This brings the average UK house prices to £268,000, up from a 4.8%...
Can I Get An Offset Mortgage?
When exploring your options for getting a mortgage in the UK, one term that may come up especially for those with savings is an offset mortgage. But what exactly is an offset mortgage, how does it work, how do you get an offset mortgage?, and is it the right option...
HSBC Economic Outlook Webinar: What You Need to Know
Insights from the HSBC Economic Outlook Webinar By Jade Pinkerton This week, our mortgage advisor Jade Pinkerton attended an insightful webinar hosted by HSBC, featuring Group Economist Liz Martins. The timing was significant as it came just a day after the latest...
Helping Hand Mortgage: Nationwide Lowers Minimum Income for First-Time Buyers
Nationwide Building Society has announced a positive change to its popular Helping Hand mortgage product, making it more accessible to first-time buyers across the UK. As of Tuesday the 8th of April 2025, the minimum income requirement for sole applicants has been...
Barclays Unveils Zero Deposit Mortgages for Right to Buy Buyers
In a major boost for first-time buyers, Barclays has announced it will now offer zero deposit mortgages for individuals purchasing a home through the Right to Buy (RTB) scheme in England. The move eliminates the need for buyers to save for a traditional deposit,...
Are House Prices Going Down?
Are house prices going down in the UK? Well, according to the lates Halifax property price index, UK house prices fell by 0.5% in March 2025, with average property prices now £296,699! In this article, I will go through the new data released by Halifax and offer a...
TSB and Santander Mortgage Rate Reductions Announced
Homebuyers and homeowners looking for a mortgage deal will welcome the latest news from Santander and TSB, as both lenders have announced reductions in their mortgage rates. These changes, effective from today, offer improved affordability and monthly interest...
Reasons to Remortgage
Remortgaging. The process of switching your existing mortgage to a new deal, either with your current lender or a different one, can offer numerous financial advantages. Whether you're aiming to secure a better interest rate, consolidate debts, fund home improvements,...
10 Essential First-Time Home Buyer Questions Answered By Experts
Buying your first home? You probably have a lot of questions, and honestly…you're not alone! First-time home buyers often wonder about mortgage options, deposits, extra costs, and how to find the perfect home. In this guide, we answer the 10 most essential questions a...
UK House Prices Forecast to Surge. Is Now the Time to Buy?
The UK housing market is on track for significant growth, with property prices expected to rise by an average of 23.4% over the next five years according to research by Savills. Homeowners in the North of England are set to see the most substantial gains, making it an...
Significant Coventry Buy-to-Let Lending Criteria Updates
Coventry Building Society has updated its buy-to-let lending policy, introducing key changes that give landlords more flexibility and borrowing power. The latest adjustments are poised to help property investors expand and manage their portfolios more effectively,...
In Conversation With Jeffrey Krampah-Williams From Santander
Still only in his 30's, Jeffrey Krampah-Williams has already carved out an impressive career in the financial industry, rising through the ranks to become National Key Account Manager and Head of Large Loans at Santander. His journey, which began in 2012 after leaving...
Accord Launches First-Time Buyer Cashback Mortgage Products
Accord Mortgages has introduced an exciting new range of first-time buyer (FTB) cashback mortgage products, designed to help ease the financial burden of purchasing a first home. These new mortgage products offer cashback amounts from £2,500 up to £6,250, providing...
Changes To Stamp Duty In London
Stamp duty in the UK is set to change significantly from the 1st of April 2025, with first-time buyers facing increased costs when purchasing property in the capital. Being a London based mortgage advisor ourselves, we are particularly interested in how stamp duty in...
New HSBC Premier Mortgage Range With Fixed Rates and Cashback
HSBC has announced a series of updates to its Premier mortgage products, introducing new fixed-rate options and making changes to cashback incentives. The adjustments apply to both residential and buy-to-let (BTL) segments for HSBC premier mortgage borrowers, offering...
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