Jade Pinkerton goes through the Mortgage advice 2025 trends that she has seen so far
The UK mortgage market is truly alive right now, and I’m not just saying that. Over the past week alone, I’ve had a flood of enquiries from a wide variety of clients, all looking to explore their mortgage and property finance options. With mortgage rates continuing to fall and the Bank of England base rate dropping to 4.25%, many people are acting quickly to take advantage of improved affordability and an ever-expanding range of products. Whether you’re a first-time buyer, a seasoned property investor, or someone simply looking to save money on your current mortgage, there’s plenty happening in the world of home financing. In this blog, I’ll share some of the most common, and some of the more specialist, mortgage advice 2025 trends and queries I’ve dealt with this week to help you understand what’s trending in the market and how you could benefit.
A Huge Variety of Mortgage Advice 2025 Options
At Oportfolio Mortgages, we’ve always prided ourselves on helping clients navigate even the most complex property finance needs. But this week has truly highlighted the diversity of mortgage products available, and the growing demand for bespoke solutions.
Here’s a snapshot of what’s been keeping me busy:
Self-Build Mortgages
There’s been a noticeable rise in interest in self-build mortgage options, particularly from clients looking to create their dream homes. With land prices stabilising and more flexible lenders in the market, now is a great time to explore finance for self-build projects.
Remortgaging for Better Rates
With interest rates improving, remortgaging to get a better deal is top of mind for many homeowners. Whether you’re approaching the end of your fixed-rate term or simply looking to reduce your monthly repayments, a remortgage could save you thousands over the lifetime of your loan.
Limited Company Buy-to-Let Mortgages
There’s been a noticeable increase in enquiries about buy-to-let mortgages for limited companies. With tax benefits and strong demand in the rental market, more landlords are choosing to invest through a company structure. If you’re considering this route, we can help you find the best specialist lenders.
Buy-to-Let Remortgage for Clients Not Currently Employed
One unique case this week involved a buy-to-let remortgage for a client who is not currently employed. Many lenders cater to clients with non-traditional income streams, and we were able to secure the right deal based on their existing rental income and property portfolio.
Bridging Loans for Property Purchase
Another popular topic this week was bridging finance. Whether you’re buying at auction, waiting for a sale to complete, or need to secure a property quickly, bridging loans can provide fast, short-term finance to bridge the gap before longer-term mortgage funding is arranged.
Remortgaging as a Bridging Exit Strategy
Bridging loans are only one part of the puzzle, and we’re increasingly supporting clients with remortgaging onto high street mortgage products as part of their exit strategy. This allows them to move onto lower-rate, long-term finance without delay or unnecessary cost.
Mortgages for Expats and International Clients
It’s not just UK-based buyers getting in on the action. This week I’ve helped several clients based overseas, including in Sweden and the USA, who were looking to remortgage UK properties.
Expat mortgages and overseas remortgages are increasingly in demand, particularly as exchange rates fluctuate and property in the UK continues to appeal as a solid investment. We work with lenders who specialise in international income and complex residency situations.
Raising Money Without Changing Your Main Mortgage
One smart strategy that’s gaining popularity is the further advance mortgage. This enables homeowners to raise extra funds against their property without disturbing their existing mortgage deal, ideal for renovations, helping family members onto the ladder, or consolidating debts.
Mortgage Protection: Life and Critical Illness Cover
A mortgage is often the biggest financial commitment most people will ever make, so protecting it is crucial. This week, I arranged:
- Life insurance to protect couples and families against their mortgage debt.
- Critical illness cover for several clients, offering lump sum pay-outs of up to two times their annual salary.
- This protection ensures your home and loved ones are safeguarded if life throws an unexpected curveball.
Flexible Remortgaging Without Tie-In Periods
One client this week was about to move onto their lender’s standard variable rate (SVR) but is also planning to sell their home in five months. We found a lender offering a mortgage with no early repayment charges, giving them a temporary solution without any tie-in fees. This flexibility is ideal for people in transition, such as relocating or downsizing.
Holiday Let Mortgage Enquiries on the Rise
We’ve also seen a spike in holiday let mortgage enquiries. With UK staycations still popular and holiday rental income looking attractive, investing in a holiday home or Airbnb-style property is back on the radar for many buyers. These mortgages are slightly more specialist, but with the right lender, they can be a great investment.
Independent Valuations and Surveys
We also helped several clients arrange independent survey and valuation reports this week. These are essential for buyers purchasing unique or older properties or using specialist lenders who require an extra level of due diligence.
Why This Matters for You
Whether you’re planning to buy your first home, remortgage to save money, invest in property, or simply explore your options, the 2025 mortgage market is full of opportunity. With interest rates easing and more choice than ever, now is a brilliant time to speak with an expert and see what’s possible.
How Oportfolio Mortgages Can Help
At Oportfolio Mortgages, we specialise in bespoke mortgage advice, life and protection planning, and complex mortgage solutions for a wide range of clients. We’ll help you:
- Find the most competitive mortgage rates
- Navigate fixed, tracker, or flexible mortgage products
- Explore buy-to-let, bridging, and holiday let finance
- Access expat and limited company mortgage lenders
- Arrange tailored insurance protection for your mortgage and income
Get in touch with me, Jade Pinkerton, Senior Mortgage and Protection Adviser at Oportfolio Mortgages, and let’s find the right solution for you.
