Mortgage News, Insights & Advice
All the latest UK mortgage news, insights and advice from the world of mortgage lending and Oportfolio
Can I Make an Offer on a House Without a Mortgage in Principle?
You don’t legally need a Mortgage in Principle to make an offer on a house, but having one can strengthen your position as a buyer. Here’s when to get an AIP, what it proves and what happens after your offer is accepted.
UK Mortgage Market Update – 14th of September 2026
UK mortgage rates continued to rise between the 7th and 14th of September 2026, but new data suggests buyer demand may be starting to improve. Here’s what changed this week and what borrowers should watch next.
Life Insurance For Cancer Patients
If you’ve been diagnosed with cancer or are a cancer survivor, you may still be able to get life insurance. Learn how UK insurers assess applications, what affects your eligibility and how to improve your chances of finding suitable cover.
What to Do If Mortgage Rates Are Rising in the UK
Mortgage rates rising in the UK? Learn what to do if your fixed rate is ending and how to manage higher payments with the right strategy.
Case Study: Helping a Self-Employed Buyer Secure a Mortgage with Just 1 Year of Accounts
Can you get a mortgage with 1 year of accounts? This case study shows how a self-employed buyer secured approval with the right lender.
What Salary Do I Need for a £1 Million Mortgage in the UK?
Find out what salary you may need for a £1 million mortgage, how lenders assess larger loans, and how your income, deposit and circumstances can affect borrowing.
How Much Deposit Do I Need for a Mortgage in the UK in 2026?
Most UK buyers need a 5%–20% deposit for a mortgage. Learn how deposit size affects rates, borrowing, and lender choice in this guide.
How Much Mortgage Can I Get on a £300k Salary?
How much mortgage can you get on a £300k salary? Explore potential borrowing, £1.5m+ mortgages, income multiples, bonuses, deposits and large-loan affordability.
What Salary Do I Need for a £900k Mortgage in the UK?
Find out what salary you may need for a £900k mortgage, how lenders assess affordability, and how your income, deposit and circumstances can affect how much you can borrow.
Should I Fix My Mortgage Now or Wait in 2026?
Should you fix your mortgage now or wait in the UK? This guide explains how mortgage rates work, the risks of waiting, and how to decide based on your situation in 2026.
UK Mortgage Market Update – 30th of March 2026
UK mortgage rates are rising again in March 2026 despite the base rate holding. This update explains what’s driving changes and what it means for buyers and remortgages.
Case Study: Helping a First-Time Buyer Use a Gifted Deposit to Secure a Mortgage
Case Study: Helping a First-Time Buyer Use a Gifted Deposit to Secure a Mortgage This mortgage case study is based on a real client scenario. Details have been simplified to protect client confidentiality. For many first-time buyers, saving a deposit is one of the...
Designing the Perfect London Home: An In-Depth Interview with South West London Interior Designer Hannah Ashe
Designing the Perfect London Home: An In-Depth Interview with South West London Interior Designer Hannah Ashe Interior Design Advice for South West London Homeowners For many homeowners, buying a property is just the beginning. The real journey starts when you begin...
What Salary Do I Need for an £800k Mortgage in the UK?
Find out what salary you may need for an £800k mortgage, how lenders assess affordability, and how your income, deposit and circumstances can affect how much you can borrow.
Why Are Mortgage Rates Going Up in the UK If the Base Rate Hasn’t Changed?
Why are mortgage rates going up in the UK even though the base rate hasn’t changed? This guide explains how swap rates, inflation expectations, and lender pricing affect mortgage rates, and what it means if you’re buying or remortgaging in 2026.
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