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 – 13th of April 2026
Mortgage rates rose again this week as lenders repriced deals and market uncertainty increased. Here’s what it means for UK buyers and homeowners.
What to Do If Mortgage Rates Are Rising in the UK
Mortgage rates rising in the UK? Learn what to do if your fixed rate is ending and how to manage higher payments with the right strategy.
Case Study: Helping a Self-Employed Buyer Secure a Mortgage with Just 1 Year of Accounts
Can you get a mortgage with 1 year of accounts? This case study shows how a self-employed buyer secured approval with the right lender.
How Long Before A Mortgage Shortfall Debt Is Written Off?
If you’ve ever faced repossession, sold a property for less than the outstanding mortgage, or are trying to move on financially after a difficult period, you may be wondering how long before a shortfall debt is written off, and what your options really are. Mortgage...
NatWest Expands Mortgage Lending Criteria Allows Up to 6x Income Borrowing
NatWest has recently made some big changes to its mortgage lending criteria, increasing how much certain customers can borrow and improving affordability for higher-earning applicants across purchases and remortgages. The updates, which came into effect earlier this...
UK Mortgage Market Outlook 2026: A Mortgage Adviser’s View
As we move into 2026, the UK mortgage market feels cautiously optimistic, but far from straightforward. After attending PRIMIS’s 2026 kick-off event, it’s clear that while demand for mortgages remains resilient, wider economic uncertainty continues to shape how...
Teachers Building Society Offers 7x Income Mortgages for Teachers
Teachers Building Society has announced a major change to its mortgage criteria, confirming it will now lend up to 7 times income at 95% loan-to-value (LTV) for teachers and education professionals. In this blog, we will run through the changes from Teachers BS, and...
What is a Second Charge Mortgage?
A second charge mortgage is a type of secured loan that allows homeowners to borrow money against the equity in their property, while keeping their existing mortgage in place. Rather than replacing your current mortgage (as with a remortgage), a second charge mortgage...
Bank of Ireland Expands Bespoke Mortgage Range with 6x Income Lending
Bank of Ireland has announced a brilliant shakeup to its Bespoke mortgage range, increasing maximum income multiples and loan sizes to help more buyers access higher-value properties and lending options that weren’t previously available. The changes should help...
Skipton First Time Buyer Mortgages
Skipton Building Society has built a strong reputation for backing first-time buyers, particularly those who might otherwise struggle to get onto the property ladder. Whether it’s helping renters buy a home without needing a traditional deposit, or allowing buyers to...
Kensington Mortgages Cuts Rates On Mortgages in Early 2026
Kensington Mortgages has announced a fresh round of mortgage rate reductions in the first week of 2026, cutting rates by up to 0.24% across its residential mortgage range. The changes apply to both 2-year and 5-year fixed-rate products, offering improved options for...
London Square Wandsworth Common: New Homes in SW17
If you’re searching for stylish, modern living in a fantastic, well-connected part of South West London, London Square Wandsworth Common is a development you’ll want at the top of your list. Situated a short walk from the iconic parkland of Wandsworth Common and...
King George’s Gate Earlsfield: New Build Homes in SW18
If you’re looking for an Earlsfield new build that doesn’t lose any of the unbeatable South West London charm, King George’s Gate is one of the most exciting developments currently taking shape. Delivered by Taylor Wimpey, this collection of high-quality apartments...
New Accord Mortgages Criteria for First-Time Buyers and JBSP
Today, Accord Mortgages has announced major criteria changes designed to be a real game changer for first-time buyers and those using Joint Borrower Sole Proprietor (JBSP) structures to boost their mortgage affordability. These changes could make a meaningful...
Can I Get a Second Mortgage?
Thinking of buying a second property? Whether it’s for extra space, family use, a future investment, or even the occasional getaway, many people eventually find themselves asking, “Can I get a second mortgage?” The short answer is yes, second home mortgages are...
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