Mortgage News, Insights & Advice
All the latest UK mortgage news, insights and advice from the world of mortgage lending and Oportfolio
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.
HSBC Mortgage Rates Smash Competition At 3.81%
HSBC mortgage rates have truly smashed their competition to smithereens by introducing a product with an interest rate as low as 3.81%. Although not currently the absolute lowest rate on the market, HSBC has beaten many other high street banks so far in the rate war...
Nationwide And Barclays Cut UK Mortgage Rates To 3.78%
In what is quickly becoming something like a UK mortgage rates price battle, lenders are firing rate reductions left, right, and centre. Paving the way for some very favourable mortgage opportunities for the remaining four months of 2024, leading into 2025. I have to...
Transport Links In London And Buying Property
Living in the capital is great. Whether you are a young professional forging your career in the big city, or a seasoned 'Londoner' who just loves everything about the metropolitan lifestyle. There is something for everyone. And getting a slice of real estate for...
Virgin Money Mortgage Rates Drop Below 4%
Virgin Money mortgage rates have tumbled to below 4% this week! A very welcome rate reduction came from the money lending arm of Richard Branson’s Virgin empire. This rate reduction is just one of many from lenders dropping their rates as economic stability returns to...
Guide Price vs Asking Price
So you are ready to purchase a new home. It could be the first house or flat that you have ever bought. It could be your next family home with that extra bit of space. Or it could be a property that you are investing money in and plan on letting out as a buy-to-let....
New Skipton First-Time Buyer Mortgage Range
Skipton Building Society has today announced an exciting new range of mortgage products aimed specifically at first-time buyers, offering greater flexibility and accessibility in an increasingly challenging property market. This new range comes at a time where...
HSBC Maximum Mortgage Lending Limits Increase
HSBC has today announced an increase in its maximum loan-to-value (LTV) lending limits for residential mortgages. The changes, effective from today, apply to all new-build properties and flats, including non-new-build flats, across the UK. In this news article I will...
Halifax Expands Foreign Income Mortgage Criteria
Halifax has announced a new exciting change to its mortgage application criteria, that is due to take effect on the 12th of August 2024. In a message to all mortgage brokers this morning, Halifax announced that they will now accept foreign income mortgage...
What Is The Own New Scheme?
The property market is constantly evolving, with prospective homeowners on the lookout for the best opportunities to secure their dream home. And with things like rising house prices and higher cost of living, it is becoming more difficult for people to make that leap...
Lenders Lower SVR Mortgages In Line With Bank of England
In a welcome move for homeowners with SVR mortgages, several leading mortgage lenders have already announced reductions in their Standard Variable Rate (SVR) mortgages following the Bank of England's decision to lower the base rate earlier this month. Effective from...
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...
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...
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