Mortgage News, Insights & Advice
All the latest UK mortgage news, insights and advice from the world of mortgage lending and Oportfolio
How Much Deposit Do I Need for a Mortgage in the UK in 2026?
Most UK buyers need a 5%–20% deposit for a mortgage. Learn how deposit size affects rates, borrowing, and lender choice in this guide.
£300k Salary Mortgage UK: How Much Can You Borrow?
If you earn £300,000 a year, you’re in a strong position when it comes to getting a mortgage, but it’s not always straightforward. High-income borrowers often face more complex lending criteria, especially if income includes bonuses, dividends, or multiple streams....
Case Study: Helping a Homeowner Remortgage to Raise £75,000 for Home Improvements
Case Study: Helping a Homeowner Remortgage to Raise £75,000 for Home Improvements This mortgage case study is based on a real client scenario. Details have been simplified to protect client confidentiality. Remortgaging isn’t just about getting a better interest rate....
What Salary Do I Need for a £700k Mortgage in the UK?
In most cases, you’ll need a household income of around £140,000–£175,000 to secure a £700k 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...
How Much Can I Borrow for a Mortgage in the UK in 2026?
Find out how much you can borrow for a mortgage in the UK based on income, deposit and lender affordability rules.
Nationwide Helping Hand Mortgage Explained: Borrow Up to 6× Income
Learn how the Nationwide Helping Hand mortgage works and how eligible first-time buyers may be able to borrow up to 6× income.
What Salary Do I Need for a £200k Mortgage in the UK?
Discover what salary you typically need for a £200k mortgage in the UK, including lender income multiples and affordability examples.
UK Mortgage Market Update – 16 March 2026
Weekly UK mortgage market update covering mortgage rates, interest rate expectations and housing market trends for March 2026.
Case Study: Helping a London Buyer Use Bonus Income to Secure Their Mortgage
Case study showing how a London buyer secured a mortgage using bonus income after their lender initially offered lower borrowing.
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.
Mortgage Myths: First-Time Buyer Questions Answered by Property Experts
Buying your first home can feel like stepping into the unknown. With rising property prices, changing mortgage rates and complicated legal processes, many prospective buyers feel unsure about where to begin. To help clarify some of the most common concerns, Heidi...
UK Mortgage Market Update – 9 March 2026
UK Mortgage Market Update – 9 March 2026 This weekly UK mortgage market update explains what’s happening with mortgage rates, housing trends, and what it means for borrowers right now. The UK mortgage market saw some important developments this week as global economic...
Case Study: Helping a Self-Employed Buyer Secure a Mortgage After Their Bank Declined
Case Study: Helping a Self-Employed Buyer Secure a Mortgage After Their Bank Declined This mortgage case study is based on a real client scenario. Details have been simplified to protect client confidentiality. Self-employed borrowers often find applying for a...
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...
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