Mortgage News, Insights & Advice
All the latest UK mortgage news, insights and advice from the world of mortgage lending and Oportfolio
£1 Million Salary Mortgage UK: How Much Can You Borrow?
If you earn £1 million a year, your mortgage options go far beyond standard high street lending. At this level, you’re likely to be considered a high net worth (HNW) or ultra high net worth (UHNW) client, meaning lenders can offer bespoke mortgage solutions tailored...
UK Mortgage Market Update – 20th of April 2026
Mortgage rates remain high in April 2026, although pricing eased slightly this week. Here’s what it means for UK buyers and homeowners.
Securing a £1.2M Mortgage for a Client with Bonus Income (Case Study)
See how a £1.2M mortgage was approved using bonus income and why choosing the right lender can significantly increase borrowing potential.
UK Inflation Steady at 4%: Impact on Mortgage and Property Market
UK headline CPI inflation has maintained its position at 4%, in line with December's figures, defying expectations for a rise to 4.2% according to many economists. The January 2024 data released by the Office for National Statistics (ONS) indicates a monthly price...
UK Mortgage Rates Surge as Lenders React to Bank of England
In the wake of the Bank of England's recent decision to maintain its base rate at 5.25%, the UK mortgage market has experienced a wave of volatility. Lenders have swiftly responded by adjusting their fixed-rate deals, anticipating prolonged stability in interest...
Nationwide Raises Mortgage Rates as Santander Cuts Them – Rate Adjustments
This week Nationwide and Santander have announced adjustments to their residential mortgage rates, slated to take effect from today. These rate adjustments aim to cater to evolving consumer demands and market conditions, but the raising of rates seen is certainly...
Never Considered Harpenden Building Society For A Mortgage? Why Not?
When looking for a new mortgage, the landscape can often seem dominated by the big names, leaving smaller institutions overlooked. I’m talking the Halifax, Santander, NatWest, and Nationwide of the mortgage market. However, delving into lesser-known lenders like...
Halifax Announces Exciting Rate Reductions of Up To 0.53%
In a move that's sure to make waves in the housing market, Halifax is shaking things up with some exciting changes to its product range. Effective from Thursday the 1st of February 2024, the following modifications are set to give homebuyers and homeowners more...
How We Helped a 63-Year-Old to Keep £2 Million in His Pension While Buying a Property
Meet our client who discovered us on Google - a 63-year-old, semi-retired individual with a whopping pension pot exceeding £2 million. His dream? To own a new home to enjoy his retirement years, without depleting his pension savings and strategically navigate the...
Virgin Money Introduces Fix and Switch Mortgage Offering
In a response to the increasing uncertainty surrounding mortgage rates, Virgin Money has unveiled an innovative Fix and Switch mortgage offering, designed to provide customers with a unique combination of stability and flexibility in a challenging mortgage market. In...
What Is Income Multiple Calculation for Mortgages?
As mortgage brokers, we encounter a common question from prospective borrowers: "How much can I borrow?" Many individuals rely on the widely circulated notion that they can borrow up to 4.5 times their income. However, this oversimplified rule is just the tip of the...
Our Team Saved Clients £5,000 Monthly on a £5.4 Million Wimbledon Mansion!
In the highly sought after Wimbledon real estate market, our clients embarked on the journey of purchasing a £5.4 million residential property with a substantial £2.2 million mortgage over a 22-year term. Focused on minimising their mortgage payments, our clients...
Santander Surprises Market with Mortgage Rate Rise
In an honestly surprising move, Santander announced today that they would be raising selected standard residential fixed rates for both purchase and remortgage clients. This decision comes at a time when most lenders in the UK are actively reducing their mortgage...
New Barclays Mortgage Rate Reductions Amidst UK Market Trends
In a move reflective of the broader market trends, Barclays Bank has announced significant reductions in mortgage interest rates on a selection of their residential purchase and remortgage products, today. The rate cuts, ranging up to 0.50% across the residential...
TMW Unveils Buy-to-Let Mortgage Products with Rates Below 4%
In an exciting development for property investors, The Mortgage Works (TMW) has announced a significant reduction in interest rates across its New Business product ranges, effective from Saturday the 20th of January 2024. The move is set to benefit buy-to-let...
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