Mortgage News, Insights & Advice
All the latest UK mortgage news, insights and advice from the world of mortgage lending and Oportfolio
What Salary Do I Need for a £600k Mortgage in the UK?
In most cases, you’ll need a salary of around £120,000–£150,000+ to secure a £600k mortgage in the UK, depending on your deposit size, income structure, and lender affordability rules. Below, we break down realistic salary scenarios, lender calculations and London...
Teachers Building Society Expands Support for Unusual Property Mortgages
Teachers Building Society highlights mortgage criteria for unusual property types including annexes, basement flats and homes with land.
How Much Deposit Do You Need for a Mortgage in the UK in 2026?
Learn how much deposit you need for a mortgage in the UK in 2026, including minimum deposits and how lenders assess loan-to-value.
How Much Can I Borrow for a Mortgage? A Guide to Home Financing
If you're looking to purchase a home, one of the initial and most important things you'll be wanting to know is: how much can I borrow (mortgage)? Having an understanding of your borrowing capacity is the secret to a realistic budget and getting the correct property....
Halifax Mortgage Income Criteria Update Boosts Affordability
Big news from Halifax! In a somewhat unexpected move from one of the biggest lenders in the UK mortgage market, Halifax has just announced a major upgrade to its mortgage income criteria, making it easier for people with bonus income or NHS overtime to qualify for a...
UK Housing Market Trends 2025 According To Zoopla
The UK housing market enjoyed its busiest May ever since the 2021 pandemic bubble, according to the most recent House Price Index (HPI) by Zoopla. Sales agreed increased to a four-year high due to improved mortgage affordability, competitive levels of lending, and a...
Santander Fixed Rate Mortgage Increase: Act Now
Remortgagers and homebuyers need to act quickly as Santander has announced a blanket increase in its fixed rate mortgage ranges, effective on Tuesday the 27th of May 2025. These will apply to new business and product transfer mortgage rates across the board for home...
Sole Trader Mortgage Myths Stop Applications In Their Tracks
New research from specialist lender The Mortgage Lender (TML) reveals that a large number of self-employed individuals, particularly sole traders, are being held back from homeownership by widespread sole trader mortgage misconceptions. According to TML’s study, 28%...
Mortgage Rates Are Falling. But Could I Borrow More Too?
With mortgage rates dropping and headlines buzzing, many homeowners and first-time buyers are excited about lower monthly repayments. But there’s more good news that’s flying under the radar, falling interest rates are also increasing how much some buyers can borrow....
NatWest Unveils Changes to Mortgages For First-Time Buyers
First-time buyers searching for ways to get on the property ladder in 2025 have just received a welcome boost from NatWest. The high street bank has announced a series of major changes to its mortgage affordability rules, as well as the launch of a brand-new...
Top Mortgage Advice 2025 Trends: Expert Advice from Oportfolio
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...
In Conversation With Isaac Kikabi From BM Solutions
With over a decade of experience across retail and commercial banking, Isaac Kikabi made a strategic move into the mortgage sector three years ago, a transition driven by a deep personal interest in housing and its role in social and economic mobility. Now serving as...
How to Use Four Incomes on One Mortgage in the UK
Since the housing market is still difficult for most, an additional avenue of opportunity has opened up for purchasers who require added assistance: using up to four incomes on a single mortgage application. Due to Family Building Society's revised Joint Borrower Sole...
Buckinghamshire Building Society Launches Deposit Lite Mortgage for First-Time Buyers
If you’re a first-time buyer in the UK wondering how to get a mortgage without a deposit, you’re not alone. With house prices still high and rents eating into savings, saving for a deposit is one of the biggest challenges facing those trying to get on the property...
NatWest Joint Borrower Sole Proprietor Mortgage Launches
NatWest has unveiled a new product to help first-time buyers secure a property, even if they lack sufficient savings or good credit history. The NatWest Joint Borrower Sole Proprietor Mortgage is set to enhance the mortgage borrowing capacity of the eligible...
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