Mortgage News, Insights & Advice
All the latest UK mortgage news, insights and advice from the world of mortgage lending and Oportfolio
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...
Barclays Reduces Mortgage Rates Across Various Products
Homebuyers and remortgagers across the UK could benefit from lower mortgage repayments as Barclays makes a series of mortgage rate cuts, from Thursday the 14th of August 2025. Barclays has reduced rates on a range of its most sought-after products across its Purchase,...
Mortgages for Teachers: Your Complete Guide to Getting on the Property Ladder
If you're a teacher thinking of buying your first home, or indeed your second home, you might be asking yourself how having a teaching career influences your mortgage. The good news is that there are advisers and lenders who have experience of facilitating teachers in...
UK House Prices June 2025: Market Holds Steady as Activity Grows
UK house prices remained stable in June 2025, the most recent Halifax House Price Index finds, as confidence remains in its recovery to the housing market. The average house price is £296,665, just off May's £296,782, a period of consolidation rather than expansion....
How We Helped Secure a Fast Further Advance in Just 2 Weeks
At Oportfolio Mortgages, we’re all about finding real solutions for real people quickly, efficiently, and with as little stress as possible. This recent client success story is the perfect example of how our team goes above and beyond when time is of the essence, to...
TMW Launches Competitive Buy-to-Let Mortgage Rates from Just 2.79%
The Mortgage Works (TMW), the specialist buy-to-let lending arm of Nationwide Building Society, has announced rate reductions across its buy-to-let mortgage range. From today, selected products for both new and existing customers will be lowered by up to 0.35%, with...
What Documents Do You Need to Apply for a Mortgage?
Applying for a mortgage in the UK may appear stressful, especially if it's your first time. One of the most common reasons for delays in the approval of a mortgage could be lack or insufficient documentation. But with proper preparation, you can walk through the...
Halifax and Santander Mortgage Rate Cuts July 2025: What You Need to Know
In a mortgage customer boost, Santander and Halifax both announced cuts in a range of mortgage interest rates, which would be a relief to remortgagers, landlords and homebuyers throughout the UK. In this article we will run through the latest Halifax and Santander...
How to Improve Your Credit Score Before Applying for a Mortgage
Thinking about applying for a mortgage? Before you do, there's one important number you need to check: your credit score. A strong credit score can be the difference between being approved for a competitive mortgage, or being declined altogether. The good news? Even...
What is the First Homes Scheme?
If you're trying to buy your first home in the UK, it can feel like the dream's getting further out of reach, with house prices climbing and mortgage rules getting stricter. But there's good news. The First Homes Scheme could be your affordable key to getting on the...
Fixed vs. Variable Rate Mortgages – Which One Is Right for You?
Of course, when you get a mortgage, one of the biggest choices you'll make is whether or not to use a fixed or variable rate. Both have pros and cons, and which one is best for you will depend on your personal finance, how much risk you're willing to take, and what...
How to Get a Mortgage in South West London
How to Get a Mortgage in South West London: What Local Buyers Need to Know Buying a property in South West London can be exciting, but also complex. Whether you're a first-time buyer in Clapham, a growing family in Wimbledon, or investing in Putney, understanding the...
Top 7 Mortgage Questions First-Time Buyers Always Ask
Buying your first property is a thrilling experience, but one filled with questions. As mortgage brokers, we handle scores of first-time buyers in London and across the UK, and the overwhelming majority of them have very similar kinds of questions. The below are the...
How Rising Interest Rates Are Affecting London Mortgages
With increasing interest rates, homeowners and buyers in London are experiencing increased mortgage costs and less stringent affordability checks. It is essential to understand how these impacts will have on your planning for finances in the current economic climate....
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