Mortgage News, Insights & Advice
All the latest UK mortgage news, insights and advice from the world of mortgage lending and Oportfolio
How to Get a Mortgage in the UK – Your Questions Answered
If you're wondering how to get a mortgage in the UK, you're not alone. Whether you're a first-time buyer or moving home, understanding the mortgage process can feel overwhelming. From deposits and affordability to lender criteria and approvals, there are many moving...
Questions To Ask A Mortgage Broker
Discover the most important questions to ask a mortgage broker and how to maximise your borrowing and mortgage approval chances.
In Conversation with Aliya Kabani: Building a Boutique Property Management Company in South West London
Oportfolio Mortgages speaks with Aliya Kabani from Glendower Property Management about Putney property, buy-to-let investment, boutique property management, and the challenges and opportunities facing landlords in South West London.
Accord Mortgages Updates Criteria: 90% LTV for Foreign Nationals
Accord Mortgages has made substantial criteria updates that will make more UK borrowers mortgage lending eligible, particularly foreign nationals without Indefinite Leave to Remain (ILR) and Universal Credit claimants. The changes show Accord's renowned 'common sense'...
Santander Increases Mortgage Rates for Residential, First-Time Buyers, and Buy-to-Let
Santander has announced rate changes on its residential, buy-to-let, and product transfer mortgage ranges, with most of the fixed rates increasing from tomorrow. There is one piece of positive news, however, for first-time buyers with a small reduction on 95% LTV...
How a Mortgage Broker in Wandsworth Helped Renters Buy Their First Home
Buying your first home in Wandsworth can feel out of reach, especially if you’re renting and unsure whether you’d qualify for a mortgage. That’s exactly how our clients felt when they came to Oportfolio Mortgages. They had been long-term renters in Wandsworth and...
How Increasing Inflation Impacts UK Mortgage Rates
Rising UK inflation continues to keep mortgage rates higher than expected, impacting homeowners and remortgagers across the country. Learn how inflation and Bank of England decisions affect mortgage affordability, what this means for fixed and variable rates, and how to prepare for the future housing market.
NatWest Launches New Standalone Additional Borrowing Mortgage
NatWest is introducing a completely new standalone Additional Borrowing (ADBO) mortgage product, allowing homeowners across the UK to borrow more money against their home than ever before. This is a significant step forward for borrowers who need access to cash at...
Co-op Bank Launches 80% LTV Mortgages Below 4%
The Co-operative Bank has announced a new series of mortgage rate cuts, music to UK remortgagers' and homebuyers' ears in search of the best deals. Some residential rates fell as much as 0.10% and buy-to-let rates as much as 0.12%. The cuts bring the bank into...
Buying in Putney? Mortgage Rates, Advice & How to Get a Deal
If you're thinking of buying a home in Putney in 2025, understanding the local mortgage market is essential. As interest rates shift, lenders tweak their offers, and new buyer schemes emerge, having a good sense of what mortgage rates are available in Putney may save...
Barclays Reduces Mortgage Rates Across Various Products
Homebuyers and remortgagers across the UK could benefit from lower mortgage repayments as Barclays makes a series of mortgage rate cuts, from Thursday the 14th of August 2025. Barclays has reduced rates on a range of its most sought-after products across its Purchase,...
Nationwide Improves Remortgage Affordability for UK Homeowners
Nationwide Building Society has announced significant improvements to its affordability rules for homeowners looking to remortgage. These changes, which came into effect this week, aim to give eligible borrowers the ability to borrow more when choosing a longer-term...
Halifax Increases Borrowing Power for First-Time Buyers in the UK
Getting on the UK housing ladder is never a simple one, especially for first-time buyer mortgage UK applicants who are eager to balance rising house prices with limited savings. Yet Halifax, one of the UK’s largest mortgage lenders, has recently made a major change to...
Santander Mortgages Improve Loan to Income Multiples for UK Buyers
Looking for Santander mortgages with better borrowing power? As of the 12th of August 2025, Santander has raised its Loan to Income (LTI) multiples, allowing UK homeowners to borrow more, especially for mortgages with up to 90% Loan to Value...
Private Bank Mortgages in the UK – Coutts Announces New Lending Criteria
If you’re exploring a private bank mortgage in the UK, you may already be aware of Coutts, one of the most recognised private banks in Britain. Known for working with high-net-worth individuals, entrepreneurs, and those with complex income, Coutts has recently updated...
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If you have any questions about UK mortgage news or anything you’ve read then please get in touch. We’d love to hear from you.