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 £800k Mortgage in the UK?
In most cases, you’ll need a household income of around £160,000–£200,000 to secure an £800k 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...
Why Are Mortgage Rates Going Up in the UK If the Base Rate Hasn’t Changed?
Why are mortgage rates going up in the UK even though the base rate hasn’t changed? This guide explains how swap rates, inflation expectations, and lender pricing affect mortgage rates, and what it means if you’re buying or remortgaging in 2026.
UK Mortgage Market Update – 23 March 2026
UK Mortgage Market Update – 23 March 2026 The UK mortgage market saw some important developments this week as the Bank of England held interest rates, lenders adjusted pricing, and housing market activity remained steady. Here’s what happened this week and what it...
BOE Set To Raise Interest Rates Again?
Today is crunch day as the Bank of England must now decide whether they will raise interest rates to unprecedented levels. This comes as the European Central Bank and the US Federal reserve have both done exactly that by raising borrowing costs to...
What Is A Mortgage Lender?
If you buy a property anywhere in the world, unless you are extremely fortunate, you will most likely need to use some form of home loan from a mortgage lender. It may seem self-explanatory to some people but what is a mortgage lender really? And what does it mean to...
FCA Highly Recommends That Homeowners Switch Mortgage Products
In the face of rising interest rates and a rising cost of living, The Financial Conduct Authority (FCA) has said that it would be extremely wise for banks, lenders, and advisor to encourage homeowners to switch mortgage products. Doing so could save you...
Are first-time buyers leaving London?
Latest figures released by estate agents claim that London’s first-time buyers leaving the capital to purchase their first home has increased by 1/5th compared to pre-pandemic figures. It seems that a combination of the COVID-19 pandemic and the risking rate of...
What Is a Business Development Manager?
Mortgages. Chances are that most people will need one at some point in their life. As mortgage brokers, our passion is to help our clients to get the best deal possible so that they can either buy their dream property, invest in a buy-to-let or remortgage their...
TSB Mortgage Rate Changes
TSB have sent communication out to all register TSB mortgage brokers today to announce the re-introduction of some essential products. The lender, which is part of the Lloyds banking group, have said that they are re-introducing several house purchase and...
Rate Rises – The Latest From HSBC, Santander and TSB
Mortgage lenders HSBC, TSB and Santander have all increased their mortgage rates this week, alongside a lot of other lenders in what seems to be a bout of mass hysteria from the banks. Since the Bank of England pushed the base rate up to 1.25% the other month, lenders...
Mortgages For Low Credit Scores Boosted By Chorley BS
Chorley building society have announced that they will be making changes to their products which offer mortgages for low credit scores. Chorely building society currently offers a range of products called the ‘credit renew range’ which are designed specifically for...
Energy Efficient Home Mortgages From BM Solutions
Specialist buy-to-let mortgage lender Birmingham Midshires (BM Solutions), part of the Lloyds Banking Group, have today sent out word to registered mortgage brokers that they will be introducing new products for energy efficient home mortgages. In a conscious...
Bank Of Ireland Mortgage Rates Rise
In suit with a lot of other mortgage lenders, Bank Of Ireland have today announced that they are withdrawing rates on residential products and replacing them with new higher rates. This increase of Bank Of Ireland mortgage rates follows a long line of mortgage lenders...
Mortgage Rates Reduced By Accord Mortgages
Accord Mortgages have announced that they will be reducing their residential mortgage rates on selected products. A welcome change from other lenders hiking their rates up. The intermediary only lender said the following in a message to all registered brokers: We’re...
Lenders Strict On Debts Being Paid – Case Study
Key facts: Client looking to sell current property that they have owned for several years to purchase a larger family home Clients had a good amount of equity in their property so would have some spare cash left over once it was sold The clients had a few credit cards...
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