Mortgage News, Insights & Advice
All the latest UK mortgage news, insights and advice from the world of mortgage lending and Oportfolio
The Hidden Credit Factors That Could Affect Your Mortgage – Even With a Good Score
Most buyers assume that a clean credit file and a healthy Experian score mean smooth sailing for a mortgage application. Unfortunately, Santander’s latest update revealed that this isn’t always the case. Not sure how much mortgage you can borrow? Get a free...
Why Now Could Be the Time to Buy in London
It’s been a turbulent couple of years for property buyers, but according to Santander’s recent market briefing, there’s reason to believe that 2025 could signal a turning point. In this blog, we will discuss interest rates, market confidence, lending improvements in...
London Property Market – Signs of Growth After a Challenging Year
The past year has been a story of two Londons, one of international prestige and one of everyday life. According to Santander’s latest market update, London’s property market has weathered a difficult 12 months, but there are encouraging signs that the tide may be...
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...
Most Common Mortgage Questions Answered By A Professional
At Oportfolio mortgages, we pride ourselves on being a font of knowledge and a guiding hand for anyone who has queries or concerns around all things mortgages and property. In this blog, we will answer a few of the internet's most commonly searched mortgage...
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...
Financially Prepare For The Inevitable
This week we sadly saw the death of our Queen Elizabeth II of the United Kingdom and commonwealth realms. The Queen passed away at the grand age of 96 years old and the crown has now passed to her son, the new King Charles III. The Queen was a symbol of duty,...
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...
People Buying Homes Is Falling Rapidly
The amount of new homebuyers in the market seems to be falling rapidly, according to research carried out by The Royal Institute Of Chartered Surveyors. Is this something to be concerned about or just a blip as people feel the crunch of the cost of living? It...
Barclays Bank Increase Mortgage Rates
Barclays bank have announced that they will be increasing their mortgage rates again in line with countless other lenders. We have coined the term lender panic in recent months to name the mass hysteria that mortgage lenders seem to be going through right now...
Are Green Mortgages A Solution For The Cost Of Living?
As gas, electricity, and water bills start to creep up and up, many people are looking at ways to cut costs. Whether its listening to Martin Lewis's rambling suggestions on TV or cutting back on TV time and having the heating running, people are trying to find...
What Documents Do I Need For A Mortgage
Getting a mortgage can be one of the most exciting times in your life, but also potentially stressful if you are going into it without knowing what to expect and what the mortgage lender expects of you. The most common conundrum that mortgage customers have is "What...
Mortgage Searches Increase Significantly
Very encouraging figures released by financial advice platform Twenty7tec this week show that the amount of people searching for a mortgage has increased significantly in the last month despite reservations due to looming economic downturn. Against all odds and...
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