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 – 2 March 2026
UK Mortgage Market Update – 2 March 2026 The UK mortgage market continues to shift as expectations around interest rates change, mortgage pricing stabilises, and house price data shows renewed momentum. Here’s what happened this week, and what it means if you’re...
Case Study: How We Helped a London Buyer Borrow £80,000 More Than Their Bank Offered
How We Helped a London Buyer Borrow £80,000 More Than Their Bank Offered The Situation Our clients were a London-based professional couple looking to buy their next home with a required mortgage of £700,000. They had strong incomes and a solid deposit in place, but...
What Salary Do I Need for a £400k Mortgage in the UK?
In most cases, you’ll need a salary of around £80,000–£100,000 to get a £400k mortgage in the UK, depending on your deposit, income type, and lender affordability rules. Below, we break down realistic salary scenarios, deposit examples and lender calculations so you...
TSB And TMW Increase Mortgage Stress Test Rates
The words generous and mortgage lenders are definitely not synonymous with each other, there's no trying to fake that. For years, lenders have favoured higher earners, repeat buyers, and borrowers with larger than life deposits. And often, first time buyers,...
Skipton Announce New Mortgage Range
Mortgage lender Skipton for intermediaries have returned to the mortgage market along with other lenders like NatWest, Halifax, Barclays and others since the government tax U-turn announced yesterday. Skipton have announced a new mortgage range, focusing on...
Buy Now And Be In Your New Home For Christmas!
Yes...we've said it. The C word. Christmas! In most circumstances, Monday the 3rd of October would be WAY to early to start talking about Christmas however when it comes to mortgages and property you can never be too early. Christmas is 83 days away or just under 12...
Lenders Return To Market With Higher Rates
After the mass lender exodus last week due to the proposed tax cuts, mortgage lenders have thankfully started returning to the market. But with higher rates as expected. When will rates go down again? Who knows. But as mortgage advisors we are very happy that...
Government Backtracks On 45p Tax Cut
Despite the chancellor and Liz Truss's new conservative government announcing their mini budget last week, they have already been forced to go back on their word due to a massive backlash from the public and financial institutions. The major issue in the budget...
Can Lenders Cancel My Mortgage Application?
As a direct result of the mini budget announced by Chancellor of the Exchequer Kwasi Kwarteng a few days ago, the mortgage world has been thrown into a state of panic to put it lightly. Despite there not actually being any reason to panic at the moment,...
The Importance Of Insurance – Real Life Stories
As financial advisors, we at Oportfolio make it our mission to ensure that all of our clients receive the best possible mortgage and protection advice that not only benefits them but benefits their family and loved ones too. Getting adequate life insurance, critical...
Fewer Mortgage Products Means Less Options
A drastic drop in mortgage products on the market has encourage an influx in mortgage searches according to mortgage fintech website Twenty7tec. More and more mortgage products have rapidly left the market over the last few days, weeks, and months as a result of...
What Is Competent Adviser Status (CAS)?
*Please note that we are not currently hiring any mortgage advisors or providing any training Today, people need mortgage advisers and financial advisers in general, more than ever. The mortgage market is a bit of a mine field at the moment, to put it lightly. And to...
Surge In Long Remortgage Deals Identified
A recent investigation by Comparethemarket has found that a third of homeowners who are due to remortgage at the end of their fixed deal would want a long term fixed remortgage deal to combat the rising cost of living. The study shows that 32% of existing mortgage...
Virgin Money and Skipton Pull New Mortgages
Mortgage lenders Virgin Money and Skipton for intermediaries have pulled new mortgage deals from their lending portfolios as the financial market goes into turmoil. Well known mortgage lenders Virgin Money and Skipton have announced that they are temporarily...
Could There Be An Emergency Base Rate Rise?
Could we see an emergency base rate rise imposed on us by the Bank of England? Liz Truss's new Conservative government and her recently appointed Chancellor's mini budget released at the end of last week has caused the economy to go into a state of panic and now the...
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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.