Mortgage News, Insights & Advice
All the latest UK mortgage news, insights and advice from the world of mortgage lending and Oportfolio
What Salary Do I Need for a £1 Million Mortgage in the UK?
In most cases, you’ll need a household income of around £200,000–£250,000+ to secure a £1 million mortgage in the UK, depending on your deposit size, income structure, and lender affordability rules. Below, we break down realistic salary scenarios, lender...
How Much Deposit Do I Need for a Mortgage in the UK in 2026?
Most UK buyers need a 5%–20% deposit for a mortgage. Learn how deposit size affects rates, borrowing, and lender choice in this guide.
£300k Salary Mortgage UK: How Much Can You Borrow?
If you earn £300,000 a year, you’re in a strong position when it comes to getting a mortgage, but it’s not always straightforward. High-income borrowers often face more complex lending criteria, especially if income includes bonuses, dividends, or multiple streams....
Capital Gains Tax Increased For Landlords
A new update to capital gains tax rules coming to the UK within the next few weeks has left both professional and amateur landlords worried about a potentially crippling tax bill if and when they decide to sell a property. A new change in the law that will see the tax...
Will Base Rate Rise Impact Tracker Mortgages More?
Last week, the Bank of England, England's central bank based in Threadneedle Street London, announced that they would once again be raising the base rate for the 11th time in a row. A strategy that the bank's monetary policy committee have been deploying in an attempt...
Bank of England Raise Interest Rates For 11th Time
This afternoon, the monetary policy committee of the Bank of England has announced their intention to raise interest rates from the 11th time in a row after an unexpected rise in inflation. Inflation, which is a general increase in prices and decrease in the...
Coventry B/S Improve UK Buy-To-Let Products
Coventry building society for intermediaries have sent out a communication this morning to mortgage brokers across the UK, announcing that they have made some changes to their buy-to-let mortgage offerings and also their standard UK residential mortgage products. The...
Bank Of Ireland Improve Bespoke Mortgage Rates
Fantastic news coming out of mortgage lender Bank of Ireland this morning as they announce that they are launching some new exclusive bespoke mortgage products, available through mortgage brokers like Oportfolio. These new rates are a very welcome string to Bank of...
HMRC Says Property Transactions Down In February
Data released by HMRC this month has revealed that official statistics show property transactions were down in February 2023 compared to the same time period in February 2022. A property transaction is both the sale and purchase of property in the UK, reflecting the...
Specialist Mortgages For Teachers
Teachers building society, as you can probably guess by the name, is a specialist mortgage lender who offer loans for teachers and other professionals in education. Recognising that mortgages for teachers in some cases could be tricky, Teachers B/S was founded in 1966...
Changing Mortgage Rates
The hottest finance topic in the UK at the moment is changing mortgage rates. Will they go up? Will they go down? To many, it does seem like mortgage lenders are changing their minds on a daily basis. Just as we thought the market was recovering from the substantial...
Employed Risk Losing Income If Unable To Work
Let's face it, it's our biggest nightmare. Losing a large part of, if not all of your income if you find yourself unable to work. This applies to both employed people and self-employed people. However, shocking research shows that a disproportionate amount of employed...
What Is Metro Bank?
In 2010, a new bank appeared on the UK high street. The first new high street bank in the UK in around 150 years in fact! With a big blue, white and red sign, people couldn't help but stop and see what the new 'Metro Bank' was all about. As you can probably guess,...
Self-Employed Need Mortgage Advice – Advisor Insights
In this edition of advisor insights, senior mortgage and protection advisor at Oportfolio Mortgages Jade Pinkerton shares her thoughts about why self-employed people need mortgage advice now more than ever. Jade and the Oportfolio team attended the PRIMIS mortgage...
Clydesdale Bank Buy-To-Let Criteria Changes
New Clydesdale Bank buy-to-let criteria changes have been announced this week. In a message to all subscribing brokers at the beginning of the week, the Scottish based bank announced that they would be making a major change to their buy-to-let criteria that would...
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