Mortgage News, Insights & Advice
All the latest UK mortgage news, insights and advice from the world of mortgage lending and Oportfolio
Can I Make an Offer on a House Without a Mortgage in Principle?
You don’t legally need a Mortgage in Principle to make an offer on a house, but having one can strengthen your position as a buyer. Here’s when to get an AIP, what it proves and what happens after your offer is accepted.
UK Mortgage Market Update – 14th of September 2026
UK mortgage rates continued to rise between the 7th and 14th of September 2026, but new data suggests buyer demand may be starting to improve. Here’s what changed this week and what borrowers should watch next.
Life Insurance For Cancer Patients
If you’ve been diagnosed with cancer or are a cancer survivor, you may still be able to get life insurance. Learn how UK insurers assess applications, what affects your eligibility and how to improve your chances of finding suitable cover.
UK Mortgage Market Update – 24th of August 2026
Our latest UK mortgage market update covers 17th–24th August 2026, including mortgage-rate cuts, inflation, Bank of England expectations and the latest UK and London house-price data.
Case Study: How We Helped A Buyer After Their Mortgage Valuation Came In £50,000 Lower
A lender valued our client’s £750,000 property at just £700,000. See how we helped resolve the mortgage down-valuation and keep the purchase moving.
Can You Get Income Protection If You Are Self-Employed?
Can you get income protection if you’re self-employed? Learn how self-employed income protection insurance works, what it covers, and how to protect your income if you’re unable to work.
Can High Net Worth Borrowers Get An Interest-Only Mortgage?
High net worth borrowers may be able to use interest-only mortgages for larger property purchases. Discover how lenders assess affordability, assets and repayment strategies.
Can I Borrow 5 Times My Salary For A Mortgage?
Can you borrow five times your salary for a UK mortgage? See 5x salary examples and learn how lenders assess income, affordability and higher income multiples.
UK Mortgage Market Update – 17th of August 2026
The latest UK mortgage market update covering 10th–17th August 2026, including falling asking prices, higher mortgage rates, London property trends and the latest interest-rate outlook.
How Much Mortgage Can I Get On A £60,000 Salary?
Earning £60,000 a year and wondering how much mortgage you could get? See potential borrowing amounts, income multiples, deposit examples and the factors UK mortgage lenders consider when assessing affordability.
How We Helped a Portfolio Landlord Refinance and Expand Their Property Portfolio
Discover how Oportfolio Mortgages helped an experienced portfolio landlord with six properties refinance selected buy-to-let mortgages and release £150,000 towards another investment.
Income Protection vs Critical Illness Cover
If you’re comparing income protection vs critical illness cover, it’s important to understand how each policy works and the protection it provides. In this guide, we explain the key differences, when each type of cover may be appropriate, and whether having both could provide greater financial security for you and your family.
Can Future Income Be Used for a Mortgage?
Can future income help you get a mortgage? Discover how UK mortgage lenders assess confirmed pay rises, promotions and new employment contracts when calculating affordability.
How Much Mortgage Can I Get On A £50,000 Salary?
Earning £50,000 a year and wondering how much mortgage you could get? See example borrowing amounts, income multiples and the factors UK mortgage lenders consider when assessing affordability.
UK Mortgage Market Update – 10th of August 2026
Read our latest UK Mortgage Market Update covering 3rd–10th August 2026, including the latest mortgage rates, Lloyds house-price figures, London property prices and what borrowers should watch next.
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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.