Mortgage News, Insights & Advice
All the latest UK mortgage news, insights and advice from the world of mortgage lending and Oportfolio
Nationwide’s 6x Income Mortgage Boosts First-Time Buyer Power
Nationwide Building Society has experienced an enormous rush in demand for its Helping Hand mortgage, following its decision to raise its upper lending limit to six times salary, allowing thousands more first-time buyers to obtain their initial foot on the property...
The Mortgage Works HMO Mortgage Criteria Explained
The Mortgage Works (TMW) has launched a new range of HMO (House of Multiple Occupation) mortgage criteria, including Limited Company deals, competitive loan-to-values of up to 75%, and a choice of fees. The revamp provides more flexibility for landlords looking to...
TSB Increases Mortgage Rates Ahead of November Budget
TSB is increasing mortgage rates on its chosen 5-year fixed products from the 22nd of October 2025, a move that reflects heightened caution in the mortgage market as lenders respond to potential fiscal changes in the upcoming Autumn Budget. The rate changes will both...
Zoopla House Price Report: Positive UK Property Market Trends
The UK's housing market is starting to look a lot more positive than it once did, with a notable increase in sales and buyers paying closer to asking prices, according to the latest data from property website Zoopla. The first half of 2024 has seen house prices...
UK Stamp Duty Residential Transactions Rise in June 2024
As head of content and marketing here at Oportfolio Mortgages, my job is to keep you, our clients, up to date and informed about the latest market news and trends. I am pleased to report to you in this article some interesting new data released by HMRC around property...
Mortgages For High-Net-Worth Individuals
When it comes to securing a mortgage, high-net-worth individuals often face a unique set of challenges. Contrary to what one might expect, having significant assets doesn't necessarily make the process straightforward. From complex income structures to the need for...
Swap Rates Decline, Boosting Homebuyer Affordability In The UK
Recent research from Octane Capital has revealed a promising forecast for mortgage rates in the UK. The study, which analysed average swap rates over 30 and 60-day periods, indicates that swap rates have started to decline. This shift could herald a significant...
Nationwide Cuts Mortgage Rates Below 4%, Leading Market Shift
Nationwide Building Society has announced a significant reduction in its mortgage rates, with the lowest rate now dipping below 4%. The mutual lender has reduced prices by up to 0.25% across its two-, three-, and five-year fixed-rate products, making it the first...
How Does Remortgaging Work?
Remortgaging can be a complex and stressful process, even for the most experienced mortgage customer. There are many factors to consider, and it's crucial to ensure you're making the right decision for your financial future. At Oportfolio, our goal is to help you make...
Second Charge Mortgage Loan Applications Are Increasing
The mortgage market is seeing a notable trend: second charge mortgage loan applications are on the rise. Recent data released today by the Finance & Leasing Association highlights that the value of second charge lending in May was 22% higher than the same month...
Low Deposit Mortgages Hit Two-Year High
The availability of low deposit mortgage deals has surged to its highest level in over two years, offering a glimmer of hope for prospective homebuyers. And in our eyes, this could signal that market stability is increasing. According to the latest data from...
We Helped Our Client Through Divorce And Property Struggles
Our client recently faced the complex and emotionally charged task of separating finances and property ownership after splitting from his partner. The couple had a joint mortgage on their residential property, a buy-to-let (BTL) property with a mortgage, and a second...
Property For Sale in Putney
Putney, a picturesque suburb of South West London, has long been a sought-after location for homebuyers. Conveniently located next to the River Thames, this charming area boasts a vibrant community, excellent amenities, and superb transport links. Whether you're...
Property Sales Surge And NatWest Reduces Mortgage Rates
From the 2nd of July 2024, NatWest is implementing a series of rate reductions across its mortgage product range, providing potential savings for both new and existing customers. This strategic move comes as the UK property market experiences a notable upswing, with...
NatWest Set To Reduce New Build Deposit Contribution
NatWest has announced a significant change to its mortgage lending criteria, which is poised to make a substantial impact on the new build property market. The high street bank has increased its loan-to-value (LTV) ratios for new build homes, a move that will enable...
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