Mortgage News, Insights & Advice
All the latest UK mortgage news, insights and advice from the world of mortgage lending and Oportfolio
UK Mortgage Market Update – 1st of September 2026
UK house prices rose 1.6% annually in August while mortgage approvals fell to their lowest level since January 2024. We look at the latest mortgage rates, lender changes and what they mean for borrowers.
Virgin Money Highlights Interest-Only Mortgage Options for Borrowers
Virgin Money has highlighted its interest-only mortgage options, including borrowing up to 75% LTV and £1 million, alongside a range of accepted repayment strategies.
How A Higher Property Valuation Saved Our Clients £75 A Month On Their Mortgage
A higher property valuation moved our clients from a 95% to an 85% LTV mortgage product, reducing their monthly mortgage payments by around £75. Here’s how it happened.
Barclays Now Offers 90% LTV on Second Residential Properties
Barclays has announced a big update to its lending criteria, increasing the maximum Loan-to-Value (LTV) to 90% for applicants who already own another residential property with an existing mortgage. Previously capped at 80% LTV, the new policy applies to both...
Suffolk Building Society Launches JBSP Mortgages Up to 90% LTV
Suffolk Building Society has implemented a series of important reforms to its lending criteria, welcoming more and more UK borrowers to its products. This comes after enhancements to Joint Borrower Sole Proprietor (JBSP) mortgages, improved lending conditions for new...
TSB Cuts Rates on Additional Borrowing Mortgages
TSB has released some refreshed rate changes across its range of mortgages today, including reductions in residential further borrowing mortgages, as part of the lender's strategy to improve affordability and meet customers' evolving needs. Here is what you need to...
HSBC Increases Mortgage Borrowing Power for First-Time Buyers
HSBC has made notable changes to its policy for residential mortgage lending, with the most considerable reforms designed to make it simpler for first-time buyers (FTBs) to climb the ladder. From Monday the 1st of September 2025, the lender has increased FTB...
Buying a Property in Fulham: A Mortgage Guide for Homebuyers
Buying a property in Fulham? From mortgage affordability and deposits to bonus income, self-employment and high-value borrowing, discover the key mortgage considerations for buying a home in this popular part of 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...
We're Here to Help
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.