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 £900k Mortgage in the UK?
In most cases, you’ll need a household income of around £180,000–£225,000 to secure a £900k mortgage in the UK, depending on your deposit size, income structure, and lender affordability rules. Below, we break down realistic salary scenarios, lender calculations, and...
Should I Fix My Mortgage Now or Wait in 2026?
Should you fix your mortgage now or wait in the UK? This guide explains how mortgage rates work, the risks of waiting, and how to decide based on your situation in 2026.
UK Mortgage Market Update – 30th of March 2026
UK mortgage rates are rising again in March 2026 despite the base rate holding. This update explains what’s driving changes and what it means for buyers and remortgages.
Foreign Nationals With Foreign Income – Case Study
Key facts: Clients were both foreign nationals, originally from countries outside of the UK. One is an EEA national and the other was not. They moved to London a few years ago and had been renting for a while. Now that they had both established themselves in the UK...
Will The Government Announce A Stamp Duty Cut?
According to several sources from Whitehall, Prime Minister Liz Truss's government are due to announce a stamp duty cut on property purchases in their Friday mini budget announcement. What Is Stamp Duty Tax? For anyone who doesn't know what stamp duty is, stamp...
How Age Impacts Mortgages
When it comes to getting a mortgage, there are a few rules and regulations that you need to follow and different lenders have different criteria. Each lender's criteria helps safe guard themselves from potential risks when lending money and also safe guards...
House Prices Expected To Fall?
According to a statement from the Centre for Economic and Business Research, house prices are expected to fall in 2023, giving hope to potential buyers who are being priced out by inflated figures. But potential bad news for people looking to sell! The CEBR...
Young People Spending More On Mortgages Per Month
Young People Are Paying A Lot More On Their Mortgages Comparison website Uswitch have released figures this week from a recent study, that show young people are shockingly paying a disproportionate amount more per month on their mortgages that older people. According...
New Build Homes On The Rise
Official government figures released this week show that the amount of new build homes being built in the UK has risen by 21%, indicating that there is no slow down in the demand for buying new properties....or, is this just wishful thinking from the...
Buyers Are Reducing Property Budgets
Recent market analysis by Savills estate and letting agents suggests that new buyers and home movers are significantly reducing their property budgets because of the rising cost of living, increasing interest rates, tougher mortgage affordability rules, and spiralling...
What Is Mortgage Porting?
Looking to move home and in need of a mortgage? Already happy with your mortgage lender and deal and don’t want to go through the hassle of applying for a completely new mortgage? Ever heard of mortgage porting? Porting your mortgage is a good borrowing...
Down Valuation Almost Ruins Remortgage Plans – Case Study
Key facts: Clients were home owners of an impressive and valuable property in London. After several years of living in the property, they decided that they would like to carry out some much needed home improvement works. Without the liquid cash available to carry out...
Coventry Building Society Launches 3 Year Fixed Mortgage
Middleweight mortgage lender Coventry Building Society have announced this week that they will be launching 3 year fixed mortgage products as part of their attempt to draw in mortgage applications during a time of economic uncertainty. Coventry have said that...
Mortgage Availability Falls Due To High Interest Rates
High interest rates and lenders reluctance towards new business has been blamed for a huge dip in available mortgage products. Finance data website Moneyfacts have released figures that the number of products offered fell across all loan-to-value tiers have...
Speak To A Mortgage Advisor To Stop Mortgage Worries
Its a completely normal and natural thing to worry about money. 99.9% of people have worried about money at one time or another and we see it as our duty to try and alleviate financial worries as much as possible. Right now, the most common stresses stemming...
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