Mortgage News, Insights & Advice
All the latest UK mortgage news, insights and advice from the world of mortgage lending and Oportfolio
How to Get a Mortgage in Wandsworth
Wandsworth, located in southwest London, is one of the capital's most desirable boroughs. Known for its green spaces, vibrant communities, and excellent transport links, it's an attractive area for first-time buyers, families, and investors. However, navigating the...
What is a Property Conveyancer and How Much Do They Cost?
Buying a home is one of the most significant financial decisions you'll make in your lifetime. Whether you're purchasing your first property, investing in a buy-to-let, or remortgaging, understanding the role of a property conveyancer is crucial. But what exactly does...
UK House Prices Hold Steady in February: Halifax House Price Index
The latest Halifax House Price Index report for February 2025 shows that UK house prices remained largely stable over the month, dipping by just -0.1%, following a +0.6% increase in January. The average property price now stands at £298,602, a marginal decrease of...
Barclays Announces Improved Loan-to-Income Multiples
Before their recent shift from a hard to a soft credit footprint before the submission of mortgage applications, Barclays is introducing two significant enhancements to their loan-to-income (LTI) policy. These changes, set to take effect from Thursday the 26th of...
Is Remortgaging A Good Idea?
More than a fifth of mortgage payers won't shift to a new lender, and more than a third haven't changed their mortgage in the past five years, according to research from YouGov. Despite a variety of new deals coming to the market and mortgage interest rates dropping,...
Coventry and Accord Announce Mortgage Product Changes
Coventry Building Society and Accord Mortgages are set to make significant adjustments to their mortgage products, providing new and existing borrowers with more competitive mortgage product offerings. These changes are scheduled to take effect at the end of October...
Virgin Money: An Ideal Choice for Large Mortgage Loans?
When it comes to securing a substantial mortgage loan, choosing the right lender can make a world of difference. In places like London, properties sell for much higher than the rest of the country, which means that large mortgage loans are almost an essential in a lot...
Santander Mortgage Cuts On Residential and Buy-To-Let Loans
In an exciting development for prospective homeowners and property investors, Santander mortgage cuts have been announced on a selection of residential and buy-to-let mortgage products. These changes, scheduled to go into effect on the 24th of October 2023, are set to...
TSB Unveils New 3-Year Fixed Rate Mortgage at 4.99% Interest
In a move that promises to provide much-needed relief for homebuyers and existing mortgage customers, TSB has announced a series of rate reductions on its mortgage products, effective from this Friday. This includes the launch of an attractive 3-Year Fixed Rate...
What Is The Difference Between Hard and Soft Footprint Credit Checks?
When it comes to getting a mortgage, understanding the nuances of credit checks is paramount for borrowers seeking new home finance. Recent developments from Barclays Bank have brought significant changes to the credit checking process for mortgage applicants. In this...
Virgin Money Mortgages Announces Rate Reductions
Virgin Money Mortgages, one of the more prominent high street lenders, has recently made noteworthy changes to its residential and landlord exclusive mortgage products. These changes, which include reductions of up to 0.26%, are aimed at providing more attractive...
Nationwide Remortgages
In today's ever-changing mortgage market, securing the best remortgage deal to suit your needs can be a daunting task. However, Nationwide Building Society offers a range of attractive remortgage options and criteria that can help you make the most of your property...
Changes for Large Portfolio Landlords: The Mortgage Works
In a move aimed at benefiting large portfolio landlords, The Mortgage Works (TMW), Nationwide Building Societies buy-to-let arm, has announced some noteworthy updates to its existing portfolio affordability assessment criteria, effective from the 17th of October 2023....
Significant Changes to Halifax Self-Employed Mortgage Criteria
Halifax, one of the UK's big six mortgage providers, has announced a significant change in its self-employed mortgage criteria, which will come into effect from tomorrow (Tuesday the 17th of October 2023). The new criteria will make significant changes to...
TSB’s New Criteria Improves Borrowing Mortgages Into Retirement
In a significant announcement this morning, TSB has unveiled some new lending criteria, aimed at helping individuals secure mortgages into retirement. The new policy reflects the shifting dynamics of the housing market and the growing demand from people looking to...
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