Mortgage News, Insights & Advice
All the latest UK mortgage news, insights and advice from the world of mortgage lending and Oportfolio
UK Mortgage Market Update – 21st of September 2026
UK mortgage rates rose sharply between the 14th and 21st of September despite the Bank of England holding Bank Rate at 3.75%. We look at the latest fixed rates, lender changes, house prices and what borrowers should watch next.
Precise Mortgages Criteria: New Interest-Only, LTV & Property Rules
Precise Mortgages has expanded its residential mortgage criteria, including interest-only lending up to 75% LTV, consideration of flats above 20 storeys and wider age and income eligibility. We explain what’s changed and who could benefit.
Can I Make an Offer on a House Without a Mortgage in Principle?
You don’t legally need a Mortgage in Principle to make an offer on a house, but having one can strengthen your position as a buyer. Here’s when to get an AIP, what it proves and what happens after your offer is accepted.
UK Mortgage Market Update – 27th of July 2026
The latest UK Mortgage Market Update covering 20th–27th July 2026, including mortgage rate changes, house price trends, Bank of England expectations and what borrowers should watch next.
How We Helped a Couple Buy Their First Home Using a Gifted Deposit
Learn how Oportfolio Mortgages helped first-time buyers purchase their dream home using a gifted deposit from family. Learn how the right lender, expert guidance and proactive communication helped make the mortgage process simple, stress-free and successful.
Life Insurance For Self-Employed People
Discover how life insurance for self-employed people works, whether it’s tax deductible and how to choose the right cover to protect your mortgage, family and business.
Can I Get a Mortgage With Multiple Sources of Income?
Find out how mortgage lenders assess multiple sources of income, what documents you’ll need and how different income streams could affect your borrowing power.
UK Mortgage Market Update – 20th of July 2026
The latest UK Mortgage Market Update covering the week ending 20th July 2026, including mortgage rates, lender changes, house prices and the latest property market news.
New-Build Mortgage Case Study: Buying Off-Plan
Buying a new-build home can present unique mortgage challenges. Discover how we helped a client secure their mortgage before construction was complete and kept their purchase on track.
Remortgaging To Release Equity
For many homeowners, a large amount of wealth is tied up in their property. As property prices have increased over time and mortgage balances have reduced, many borrowers now have substantial equity in their homes. Remortgaging to release equity allows homeowners to...
Can I Get a Mortgage If I’m Paid Weekly?
Being paid weekly doesn’t usually stop you getting a mortgage. Discover how lenders assess weekly income, overtime and affordability in our latest FAQ guide.
UK Mortgage Market Update – 13th of July 2026
UK mortgage rates recorded their biggest monthly fall since October 2024, while house prices rose slightly and the housing downturn eased. Read the latest mortgage market update from Oportfolio Mortgages.
Helping An IT Consultant Secure A Mortgage Using Fixed-Term Contract Income
Discover how we helped an experienced IT consultant on a fixed-term contract secure a £540,000 mortgage by choosing a lender that understood contract-based employment.
Mistakes To Avoid When Buying Life Insurance
Buying life insurance? Learn about the most common life insurance mistakes and how to choose the right cover for your mortgage and your loved ones.
What Type of Life Insurance Do I Need?
Confused by the different types of life insurance? We explain the most common life insurance policies in the UK and help you choose the right cover for your mortgage and family.
We're Here to Help
If you have any questions about UK mortgage news or anything you’ve read then please get in touch. We’d love to hear from you.