Mortgage News, Insights & Advice
All the latest UK mortgage news, insights and advice from the world of mortgage lending and Oportfolio
Accord Mortgage Rates Cut on Residential and Buy-to-Let Products
This morning, Accord Mortgages has announced rate cuts across both its residential and buy-to-let (BTL) mortgage products. The reductions, which take effect immediately, will likely improve affordability for a range of buyers, from first-time homeowners to seasoned...
Santander Early Repayment Charge Waiver for Home Movers
Santander has announced a positive change for mortgage customers looking to move home, extending the period in which they can avoid Early Repayment Charges (ERCs) when switching to a new deal. From Monday the 3rd of February 2025, Santander will waive ERCs for...
NatWest Mortgage Rates Increase: What This Means for Borrowers
NatWest has announced yet another round of mortgage rate increases, effective from the 31st January 2025 (This Friday). The changes, which impact a variety of mortgage products across its new business range, see rate hikes of between 0.02% and 0.11% on selected two-...
Can You Get Buy-To-Let Mortgages Based On Rental Income Only?
Are you a budding entrepreneur looking to get into the property game? Have you seen how lucrative a living you can make from receiving rental income? Well this blog might just exactly what you need if you are looking to build your property empire. In this blog, we...
Free Mortgage And Finance Webinars In 2023
Looking for help with finances? Mortgage rates and products putting you in a spin? Want a place to get all the information, help and guidance you need at the click of a button? We are well into the 3rd decade of the 21st century now, so why would anyone waste time on...
Halifax Mortgage Changes You Need To Be Aware Of
Historically, getting a Halifax mortgage has always been a pretty safe option. One of the main players in the UK mortgage market, Halifax has always offered high loan to value, competitively priced, and low fee mortgage products. Even in times of economic struggle,...
Accord Announces New 80% Mortgages
Mortgage lender Accord have issued an email out to all subscribing mortgage brokers today to announce that they are launching some new 80% mortgages with a range of different rates and products. Here is a breakdown of what these new products are: Accord are reducing...
Mortgages To Increase Threefold in 2023. We Have The Solution.
According to newly released data from the office of national statistics, mortgage owners in the UK could see their monthly mortgage payments triple in 2023! The ONS, the government department in charge of researching and reporting data and trends in the UK, released a...
What is a LTV (Loan To Value) Mortgage?
When looking into getting a mortgage, whether it's your first or the 31st, you will undoubtedly come across the phrase loan to value. But what what does loan to value mean in mortgage terms? In this blog we will go through the ins and outs of loan to values and the...
2023 Is The Year For First-Time Buyer Mortgages
Yes, you did read that headline right. No, we aren't completely out of our minds. Just hear us out...ok? 2023 is the year for first-time buyer mortgages and purchases in general. This might sound like a strange conclusion to come to if you have been following the...
Nationwide Mortgage Rates Take Huge Cut
In a message sent out to all mortgage intermediaries (brokers) yesterday, Nationwide announced a huge rate reduction to some of their mortgage products. The intermediary arm of the building society announced that they would be making some big changes to standard...
Santander Mortgage Offer Extension Coming To An End
In a new year message sent out to all registered mortgage brokers in the first week of January, Santander gave a round-up of how they have supported brokers and borrowers with their mortgage applications in 2022. Last year was a difficult year in the UK for many...
House Growth Slowed At End Of 2022
Now that we are into our first week of 2023, lenders, estate agents, solicitors, mortgage brokers and other property professionals are starting to release data that they have collected throughout the year. 2022 was a very challenging year for property...in fact, the...
Buying A House In Cash vs A Mortgage
Owning a property outright with no mortgage is a dream for a lot of people. Most people who buy property in the UK, for residential purposes or for investment purposes such as buy-to-lets, will need to take out a mortgage loan. With the average price of a property in...
House Purchases Up 12%. Good Sign For 2023?
In a time where doom and gloom dominates the headlines and all anyone seems to want to talk about is how badly damaged the UK economy is, this update from HMRC this week almost made me quite literally jump for joy. You would have to be living under a rock to not know...
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