Mortgage News, Insights & Advice
All the latest UK mortgage news, insights and advice from the world of mortgage lending and Oportfolio
In Conversation With Heena Sandhu From Guardian
Welcome to our exclusive interview with Heena Sandhu, business development manager at Guardian, a prominent protection provider that do things differently to other providers. Guardian came to market in 2018 with a single ambition – every family to have protection that...
The Mortgage Works Data On The UK Buy-To-Let Property Market
Landlord confidence in the UK rental market has seemingly taken a hit, with fewer landlords feeling positive about rental yields compared to a year ago. That is at least according to the latest research from The Mortgage Works (TMW), the UK buy-to-let property market...
BM Solutions Expands Buy-to-Let Portfolio Mortgage Criteria
Today, BM Solutions (part of Lloyds Banking Group) has announced significant changes to their buy-to-let (BTL) and let-to-buy (LTB) mortgage criteria. From tomorrow (Friday the 29th of November) landlords will have greater borrowing flexibility, providing them with...
NatWest Mortgage Rate Of 3.77% Narrowly Undercuts Nationwide
In a very interesting move this week, one of the UK's big six mortgage lenders has narrowly undercut one of their major competitors to offer the current lowest mortgage rate on the mainstream market. A new NatWest mortgage rate of 3.77% has been released this week,...
Should I Remortgage With The Same Lender?
Is your current mortgage deal nearing its end? You might be wondering whether to remortgage with the same lender or switch to a new one to get a better deal and more importantly, save some money with a lower interest rate! As a mortgage expert I understand that this...
5.5X Income Mortgage Available For First Time Buyers
Is it possible to get a 5.5X income mortgage? That is a very common question that I am hearing more and more. Mainly because borrowing money is becoming more difficult. When I first started working in mortgages and property, there were plenty of purchase schemes...
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....
Remortgage For Home Improvements
Your home is more than just a place to live; it’s one of your biggest financial assets. Property values are rising after a slight slump over the last 12 months, and your mortgage balance obviously decreases over time, meaning that you may actually find yourself...
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 first...
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...
What Is A Gifted Deposit & Do You Have To Declare It?
When purchasing a property, securing a sufficient deposit is one of the most significant financial hurdles you’ll encounter. Saving a large enough deposit, especially when you are having to pay rent and bills at the same time. Can be very difficult. For many, this...
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