Mortgage News, Insights & Advice
All the latest UK mortgage news, insights and advice from the world of mortgage lending and Oportfolio
Buying A Property From Your Landlord: TSB’s Mortgage Option
Getting onto the property ladder is a challenge that continues to elude many renters and first-time buyers in the UK. With skyrocketing property prices, high rents, and limited opportunities to save for a deposit, the dream of homeownership often feels out of reach....
Using Bonuses For High-Value London Property Investment
London’s elite professionals often find themselves juggling high salaries, substantial bonuses, and an ambition to own prime real estate. With property prices in London reaching unparalleled heights, using your bonuses strategically can unlock opportunities to secure...
Are HSBC Mortgage Rates Going Down In 2025?
In a very welcome introductory message for the new year, HSBC has updated its Energy Efficient Homes Cashback Mortgage (EEHC) offerings, increased cashback availability and reduced mortgage rates across its range. HSBC mortgage rates, as well as every other lender's...
What Is The Nationwide Helping Hand Mortgage?
As a first time buyer, it may seem like the whole property market is against you at times. Especially because of recent economic events and the frenzy the lenders seem to have gone through over the last few days. But thankfully the banks seem to have calmed down a bit...
Can Lenders Cancel My Mortgage Application?
As a direct result of the mini budget announced by Chancellor of the Exchequer Kwasi Kwarteng a few days ago, the mortgage world has been thrown into a state of panic to put it lightly. Despite there not actually being any reason to panic at the moment,...
The Importance Of Insurance – Real Life Stories
As financial advisors, we at Oportfolio make it our mission to ensure that all of our clients receive the best possible mortgage and protection advice that not only benefits them but benefits their family and loved ones too. Getting adequate life insurance, critical...
Fewer Mortgage Products Means Less Options
A drastic drop in mortgage products on the market has encourage an influx in mortgage searches according to mortgage fintech website Twenty7tec. More and more mortgage products have rapidly left the market over the last few days, weeks, and months as a result of...
What Is Competent Adviser Status (CAS)?
*Please note that we are not currently hiring any mortgage advisors or providing any training Today, people need mortgage advisers and financial advisers in general, more than ever. The mortgage market is a bit of a mine field at the moment, to put it lightly. And to...
Surge In Long Remortgage Deals Identified
A recent investigation by Comparethemarket has found that a third of homeowners who are due to remortgage at the end of their fixed deal would want a long term fixed remortgage deal to combat the rising cost of living. The study shows that 32% of existing mortgage...
Virgin Money and Skipton Pull New Mortgages
Mortgage lenders Virgin Money and Skipton for intermediaries have pulled new mortgage deals from their lending portfolios as the financial market goes into turmoil. Well known mortgage lenders Virgin Money and Skipton have announced that they are temporarily...
Could There Be An Emergency Base Rate Rise?
Could we see an emergency base rate rise imposed on us by the Bank of England? Liz Truss's new Conservative government and her recently appointed Chancellor's mini budget released at the end of last week has caused the economy to go into a state of panic and now the...
Fees For Buying A Property. Are They Worth It?
Something that is often overlooked when purchasing a property by many are the fees that can be associated with it. The majority of people who buy a house or an apartment need a mortgage and the majority of people who need a mortgage will need insurance. But,...
How Long Does It Take To Get A Mortgage Approved
One of the most common worries that people have when buying a property, is how long will it take for the mortgage to be approved? It doesn't matter if you are a first-time buyer, second, third, fourth time buyer, or even a serial landlord. The fear that your...
September 2022 Budget Update
The new Chancellor of the Exchequer Kwasi Kwarteng has announced his September 2022 budget in the house of commons today. The new budget has been designed specifically to fit Prime Minister Liz Truss's attack on the rising cost of living and looming economic...
Guarantor, Joint Borrower & Sole Proprietor Mortgages
For hundreds of years, mortgages were pretty black and white. You want to buy a property but don't have the money to pay for it in full, so you borrow money from a lender and pay them back. Normal straight forward mortgages are given based on the borrowers income,...
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