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 £500k Mortgage in the UK?
In most cases, you’ll need a salary of around £100,000–£125,000 to secure a £500k mortgage in the UK, depending on your deposit, income structure, and lender affordability rules. Below, we break down realistic salary scenarios, deposit examples and lender calculations...
Mortgage FAQ: Is it better to fix for 2 years or 5 years in 2026?
Mortgage FAQ: Is it better to fix for 2 years or 5 years in 2026? Updated: March 2026 This week’s mortgage FAQ answers one of the most common questions we’re hearing from buyers and homeowners right now, should you choose a 2-year fixed rate or a 5-year fixed rate?...
UK Mortgage Market Update – 2 March 2026
UK Mortgage Market Update – 2 March 2026 The UK mortgage market continues to shift as expectations around interest rates change, mortgage pricing stabilises, and house price data shows renewed momentum. Here’s what happened this week, and what it means if you’re...
In Conversation With Jeffrey Krampah-Williams From Santander
Still only in his 30's, Jeffrey Krampah-Williams has already carved out an impressive career in the financial industry, rising through the ranks to become National Key Account Manager and Head of Large Loans at Santander. His journey, which began in 2012 after leaving...
Accord Launches First-Time Buyer Cashback Mortgage Products
Accord Mortgages has introduced an exciting new range of first-time buyer (FTB) cashback mortgage products, designed to help ease the financial burden of purchasing a first home. These new mortgage products offer cashback amounts from £2,500 up to £6,250, providing...
Changes To Stamp Duty In London
Stamp duty in the UK is set to change significantly from the 1st of April 2025, with first-time buyers facing increased costs when purchasing property in the capital. Being a London based mortgage advisor ourselves, we are particularly interested in how stamp duty in...
New HSBC Premier Mortgage Range With Fixed Rates and Cashback
HSBC has announced a series of updates to its Premier mortgage products, introducing new fixed-rate options and making changes to cashback incentives. The adjustments apply to both residential and buy-to-let (BTL) segments for HSBC premier mortgage borrowers, offering...
Can I Get A New Mortgage Before My Old One Ends?
As your current mortgage deal approaches its end, you might be wondering if it’s possible to secure a new mortgage deal before your old one expires. The good news is that, yes, you can start exploring your options for a remortgage or product transfer up to six months...
Accord Buy-To-Let Mortgage Rates Are Reducing
Significant reductions to Accord buy-t-let mortgage rates have been announced today, offering a fresh opportunity for landlords to secure more competitive deals in a tough rental market. Starting from Wednesday the 19th of March 2025, Accord will reduce rates on a...
New Updates To Nationwide Interest Only and Foreign National Mortgages
In a message to mortgage advisors this morning, Nationwide Building Society has announced a series of updates to its lending criteria. These new changes directly impact Nationwide Foreign National Mortgages and Nationwide Interest Only Mortgage products. Historically...
HSBC Buy-to-Let Mortgage Update: New Rates and Higher LTVs
HSBC UK has recently unveiled significant improvements to its buy-to-let (BTL) mortgage range, offering greater flexibility and borrowing power for landlords and property investors. The latest updates about HSBC buy-to-let mortgage products are an exciting development...
Is Buy-To-Let Worth It? The Pros & Cons
The UK property market has always been a popular investment choice, but recent years have seen significant changes that leave many investors questioning whether buy-to-let is still worth it. With fluctuating property prices, shifting mortgage rates, increased...
How to Get a Mortgage in Wandsworth
Wandsworth, located in southwest London, is one of the capital's most desirable boroughs. Known for its green spaces, vibrant communities, and excellent transport links, it's an attractive area for first-time buyers, families, and investors. However, navigating the...
What is a Property Conveyancer and How Much Do They Cost?
Buying a home is one of the most significant financial decisions you'll make in your lifetime. Whether you're purchasing your first property, investing in a buy-to-let, or remortgaging, understanding the role of a property conveyancer is crucial. But what exactly does...
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...
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