Mortgage News, Insights & Advice
All the latest UK mortgage news, insights and advice from the world of mortgage lending and Oportfolio
Equity Release For Pensioners
If recent events have taught us anything it is that jobs, income, and cashflow aren’t always as straight forward and secure as we might think. Sometimes, no amount of planning can prepare you for unexpected events and now more than ever, it is difficult to know how to make sure that you are financially secure when the economy is so uncertain.
Can I Get A Mortgage If I Have Recently Changed Jobs?
Can you get a mortgage if you’ve recently changed jobs or are still in probation? Learn how lenders assess new employment and what it could mean for your mortgage options.
UK Mortgage Market Update – 22nd June 2026
The Bank of England held rates at 3.75%, asking prices recorded their biggest June fall in 14 years, and mortgage approvals remained strong. Read the latest UK mortgage market update.
Nationwide To Raise Interest Rates On Mortgages
As many people predicted, it looks like we have seen the first lender to raise mortgage interest rates since it was announced that UK inflation had only decreased marginally. Nationwide building society have announced that from the 26th of April they will raise...
Could I Have A £1,000 Mortgage Payment Increase?
Over the last 6 months or so, most mortgage borrowers will have seen a significant mortgage payment increase. This is because the current economic climate has made mortgage lenders increase their mortgage rates from record lows. For those lucky enough to have secured...
Is Prime London Property Still Popular?
Over the last few months, the property market in the UK has been a little hostile to say the least. Interest in property has dipped and risen more frequently than a roller coaster as interest rates have peaked and dropped and peaked and dropped again. The cost of...
“Things Looking More Positive” Says Mike From Equity Release Experts
At Oportfolio Mortgages, we help clients with a wide range of financial and property-related borrowing needs, including mortgages, protection and refinancing. However, some areas of lending require highly specialised advice. One of these areas is equity release. For...
UK Inflation Rate At 10.1%
It has been announced today that unfortunately, despite predictions and the Bank of England's best efforts, the UK inflation rate still remains at above 10% (specifically 10.1%). A far cry away from the target inflation rate of 2% that the bank holds and falling...
Is a 2 Year or 5 Year Fixed Mortgage Better?
Historically, choosing a 5 year or 2 year fixed mortgage was quite a straightforward decision to make for mortgage borrowers. Essentially, do you want to keep the mortgage with a competitive rate for a couple of years and then potentially move on to something...
New TSB Five Year Fixed Rate Mortgage at 3.89%
This morning TSB have announced a slew of changes to the products they offer to borrowers, including a new five year fixed rate mortgage at below 4%! Something that most lenders haven't offered since before the announcement of the disastrous mini-budget in September...
How To Avoid Defaulting On Mortgages
2023 has turned out to be very tough year for the average UK resident. With spiralling interest rates and the general cost of living going to unprecedented levels, people are struggling to keep up with their bills and many are defaulting on mortgages, credit cards,...
Nationwide Cuts 90% and 95% Mortgage Products
Following on from our blog post yesterday about Coventry Building Society lowering 90% and 95% mortgage products for first time buyers, Nationwide building society have also announced that they will be reducing rates on their own 90% and 95% mortgage products. These...
Up To 95% Mortgages For First Time Buyers
Historically it has always been tough to buy your first property as an average first time buyer. Earning enough as a young professional to borrow a large enough mortgage, saving a large enough deposit whilst also paying rent every month, and generally getting your...
How To Avoid Early Repayment Charges On Mortgages
What Is An Early Repayment Charge? Most people reading this blog will have heard of an early repayment charge or an ERC. Chances are that you have been confronted with the prospect of having to pay an ERC or have seen it written in the small print on your mortgage...
Scottish Widows Increase Mortgage Income Cap
Mortgage lender Scottish Widows have just announced that they will be introducing some changes to their mortgage income cap for affordability calculations on straight mortgages and remortgages. What does this mean exactly? It means that Scottish Widows will be...
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If you have any questions about UK mortgage news or anything you’ve read then please get in touch. We’d love to hear from you.