Mortgage News, Insights & Advice
All the latest UK mortgage news, insights and advice from the world of mortgage lending and Oportfolio
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...
New TSB Mortgage Rate Reductions Announced
Today, new TSB mortgage rate reductions have been announced, the latest of many UK mortgage lender's reducing their product rates as stability returns to the mortgage market. Over the last few weeks we have sensationally seen many of the UK's mortgage lenders,...
New Build Mortgage Affordability Changes Announced By Accord
Accord mortgages, perhaps a somewhat lesser known UK mortgage lender, has today announced some very interesting New Build mortgage affordability criteria. If you are in the market for purchasing a new build residential home, then this new update will be right up your...
NatWest Mortgage Rate Of 3.77% Narrowly Undercuts Nationwide
In a very interesting move this week, one of the UK's big six mortgage lenders has narrowly undercut one of their major competitors to offer the current lowest mortgage rate on the mainstream market. A new NatWest mortgage rate of 3.77% has been released this week,...
Should I Remortgage With The Same Lender?
Is your current mortgage deal nearing its end? You might be wondering whether to remortgage with the same lender or switch to a new one to get a better deal and more importantly, save some money with a lower interest rate! As a mortgage expert I understand that this...
5.5X Income Mortgage Available For First Time Buyers
Is it possible to get a 5.5X income mortgage? That is a very common question that I am hearing more and more. Mainly because borrowing money is becoming more difficult. When I first started working in mortgages and property, there were plenty of purchase schemes...
HSBC Mortgage Rates Smash Competition At 3.81%
HSBC mortgage rates have truly smashed their competition to smithereens by introducing a product with an interest rate as low as 3.81%. Although not currently the absolute lowest rate on the market, HSBC has beaten many other high street banks so far in the rate war...
Nationwide And Barclays Cut UK Mortgage Rates To 3.78%
In what is quickly becoming something like a UK mortgage rates price battle, lenders are firing rate reductions left, right, and centre. Paving the way for some very favourable mortgage opportunities for the remaining four months of 2024, leading into 2025. I have to...
Transport Links In London And Buying Property
Living in the capital is great. Whether you are a young professional forging your career in the big city, or a seasoned 'Londoner' who just loves everything about the metropolitan lifestyle. There is something for everyone. And getting a slice of real estate for...
Virgin Money Mortgage Rates Drop Below 4%
Virgin Money mortgage rates have tumbled to below 4% this week! A very welcome rate reduction came from the money lending arm of Richard Branson’s Virgin empire. This rate reduction is just one of many from lenders dropping their rates as economic stability returns to...
Guide Price vs Asking Price
So you are ready to purchase a new home. It could be the first house or flat that you have ever bought. It could be your next family home with that extra bit of space. Or it could be a property that you are investing money in and plan on letting out as a buy-to-let....
Remortgage For Home Improvements
Your home is more than just a place to live; it’s one of your biggest financial assets. Property values are rising after a slight slump over the last 12 months, and your mortgage balance obviously decreases over time, meaning that you may actually find yourself...
New Skipton First Time Buyer Mortgage Range
Skipton Building Society has today announced an exciting new range of mortgage products aimed specifically at first-time buyers, offering greater flexibility and accessibility in an increasingly challenging property market. This new range comes at a time where first...
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