Mortgage News, Insights & Advice
All the latest UK mortgage news, insights and advice from the world of mortgage lending and Oportfolio
Barclays Unveils Zero Deposit Mortgages for Right to Buy Buyers
In a major boost for first-time buyers, Barclays has announced it will now offer zero deposit mortgages for individuals purchasing a home through the Right to Buy (RTB) scheme in England. The move eliminates the need for buyers to save for a traditional deposit,...
Are House Prices Going Down?
Are house prices going down in the UK? Well, according to the lates Halifax property price index, UK house prices fell by 0.5% in March 2025, with average property prices now £296,699! In this article, I will go through the new data released by Halifax and offer a...
TSB and Santander Mortgage Rate Reductions Announced
Homebuyers and homeowners looking for a mortgage deal will welcome the latest news from Santander and TSB, as both lenders have announced reductions in their mortgage rates. These changes, effective from today, offer improved affordability and monthly interest...
Leeds Building Society Mortgage Updates For 2025
Leeds Building Society has today introduced significant changes to its mortgage offerings for 2025, with updates affecting residential, affordable housing, Buy to Let (BTL), and holiday let products. The last few months have seen a lot of fluctuation and unpredictable...
What Is Mortgage Cashback?
With high interest rates and stricter mortgage affordability rules, it is becoming a daily battle for mortgage lenders to encourage new borrowers. What is the incentive to choose a specific lender and product aside from who has the best rate in the bunch? Fortunately,...
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...
UK House Prices End 2024 On A High According To Nationwide
Happy New Year! As we step into 2025, the latest Nationwide House Price Index has given us as a mortgage broker, plenty to reflect on regarding the resilience of the UK housing market in 2024. According to the report from Nationwide, against the backdrop of rising...
UK Finance Predicts Bright Future For Mortgages In 2025
The UK mortgage market is set to enjoy a resurgence in 2025, that’s according to forecasts from UK Finance, as mortgage lending is predicted to rise by an impressive 11% to reach £260 billion next year! This growth in mortgages in 2025 is expected to be driven by a...
Barclays Bank Edges Closer To Sub-4% Mortgage Rates
Barclays Bank has today announced significant reductions to its mortgage rates, offering potential relief to both homebuyers and remortgagers as 2024 comes to an end. The latest changes see Barclays potentially moving closer to the much-anticipated sub-4% mortgage...
NatWest Reduces Residential Mortgage Rates Across Multiple Products
NatWest has this morning announced significant rate reductions across its portfolio of mortgage products. The changes, effective immediately, span both residential and buy-to-let (BTL) markets, providing borrowers with more competitive options amid ongoing economic...
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...
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