Mortgage News, Insights & Advice
All the latest UK mortgage news, insights and advice from the world of mortgage lending and Oportfolio
UK House Prices Hold Steady in February: Halifax House Price Index
The latest Halifax House Price Index report for February 2025 shows that UK house prices remained largely stable over the month, dipping by just -0.1%, following a +0.6% increase in January. The average property price now stands at £298,602, a marginal decrease of...
First-Time Buyer Mortgages UK: Leeds & Virgin Cut Rates
The UK mortgage market has received a welcome boost this week as Leeds Building Society and Virgin Money both announce significant rate reductions, aiming to support first-time buyers and homeowners looking for better deals. But with rising property prices, high...
New Low Barclays Mortgage Rates Of 3.96% Announced
Barclays Bank has announced a new wave of mortgage rate reductions, with some products falling below 4% for the first time in months. As of the 4th of March 2025, the bank has lowered rates across a range of mortgage products, including its Green Home five-year...
Why Are Landlords Selling Up?
In a new development for the UK housing market, recent research from Uswitch has revealed a significant intention among landlords to sell their properties within the next year. This revelation marks a potential shift for the UK property landscape, with implications...
Metro Bank Large Mortgage Loans Releases New Exciting Criteria
Today, Metro Bank has announced significant enhancements to its large loan mortgage offerings. These changes, effective immediately, promise greater flexibility and accessibility for borrowers seeking mortgages above £1 million. As a leading whole-of-market mortgage...
How To Avoid Early Repayment Charges: We Saved Our Client £44,800!
Our client, found himself at a crossroads. Eager to move to a new home, he was hindered by his existing mortgage terms. While enjoying a remarkably low-interest rate of 1.38%, he faced the grim reality of early repayment fees amounting to a staggering £44,800. With...
Major Changes to Santander Large Mortgage Loans
In their latest update sent to our brokers at Oportfolio Mortgages, Santander have announced some incredible changes to their mortgage lending proposition. Most notably to mortgages for people looking to secure large mortgage loans of up to £3 million. The new...
Access Multi-Unit Buy-To-Let Mortgages with Oportfolio
Investing in multi-unit buy-to-let properties has always been an enticing avenue for property investors. However, securing financing for them, especially with the added complexity of potential adverse credit, can be challenging. But we have a solution! In this article...
NatWest International Mortgages Changes Criteria For UAE Residents
In a recent update to its lending policies, NatWest International, the international lending arm of NatWest bank, has announced the lifting of previous restrictions on mortgage applications from clients residing in the United Arab Emirates (UAE). Effective...
UK Buy-To-Let Funding Through Mortgages Has Taken A Downturn
The latest quarterly report from UK Finance sheds light on the challenging landscape of the buy-to-let (BTL) mortgage market in the final quarter of 2023. Revealing a notable downturn in new lending and heightened financial pressures on landlords, the report...
Zoopla Housing Market Flourishes in Q1 2024
After what felt like a rather tumultuous period for many homeowners and potential buyers, the UK housing market has shown remarkable resilience, with significant improvements seen across the board in the first quarter of 2024, according to Zoopla's latest House Price...
New Coutts Mortgages for Prime Borrowers
Coutts Private Bank has recently announced a series of strategic updates to its mortgage offerings, aimed at facilitating the purchase of super prime properties in London and beyond. The bank's latest policy revision introduces a maximum Loan to Value (LTV) ratio of...
Mortgage Times Salary Up To 8.3 Times Annual Earnings
Recent data from the Office for National Statistics (ONS) has uncovered a concerning trend in the UK housing market, revealing that property buyers are increasingly stretching their finances to purchase homes. Now, that is no big shock. Buyers have battled with...
40% Of Landlords Face Buy-To-Let Mortgage Renewal In 2024
In the coming months, a significant portion of residential landlords with mortgages are set to face the challenge of securing new competitive buy-to-let mortgage renewal rates, according to recent research conducted by The Mortgage Lender (TML). With mortgage rates...
Coventry Building Society Boosts Landlord Mortgage Affordability
Coventry for Intermediaries, the mortgage broker only platform for Coventry Building Society, has taken significant strides in supporting landlords in 2024 with its latest revisions to the buy-to-let application process. These changes, aimed enhancing landlord...
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