Mortgage News, Insights & Advice
All the latest UK mortgage news, insights and advice from the world of mortgage lending and Oportfolio
How to Get a Mortgage in South West London
How to Get a Mortgage in South West London: What Local Buyers Need to Know Buying a property in South West London can be exciting, but also complex. Whether you're a first-time buyer in Clapham, a growing family in Wimbledon, or investing in Putney, understanding the...
Top 7 Mortgage Questions First-Time Buyers Always Ask
Buying your first property is a thrilling experience, but one filled with questions. As mortgage brokers, we handle scores of first-time buyers in London and across the UK, and the overwhelming majority of them have very similar kinds of questions. The below are the...
How Rising Interest Rates Are Affecting London Mortgages
With increasing interest rates, homeowners and buyers in London are experiencing increased mortgage costs and less stringent affordability checks. It is essential to understand how these impacts will have on your planning for finances in the current economic climate....
Best Cafés In Putney For Runners To Re-Charge
In July 2022, our senior mortgage and protection advisor Jade Pinkerton is running the ASICS London 10K in aid of Macmillan Cancer Support. Jade’s gruelling training regime is taking her across southwest London, and she is racking up the miles daily in preparation for...
Am I Paying Too Much Interest On My Mortgage?
"My Mortgage Is Too High" One of the more alarming statistics I’ve read recently suggests that more than a million homeowners – 1.3m, to be more precise – have allowed their mortgage to lapse to their lender’s standard variable rate (SVR) and are paying too much....
Life Insurance Case Study – Stroke Victim
Key Facts: Long-time client of Oportfolio Has used us to secure mortgages and remortgages on several properties over the years During this early professional relationship with Oportfolio, he had a stroke and a brain haemorrhage out of the blue After treatment and...
Fee-Free Mortgages Are On The Rise
According to recently released information from finance comparison website Moneyfacts, fee-free mortgage products have been increasing in the market over the last year. Lenders who still charge fees have also been reducing their fee amount too. Typically, a lot of...
What Is A Tracker Mortgage?
In the British mortgage world, there are many different ways of getting finance on a property and many different ways of paying this money back to the lender. Sometimes the difference between each type of mortgage can be confusing, that’s where advice and guidance...
Best Places To Stop In Central London Along Jade’s Route
In just over five weeks, our senior mortgage and protection advisor Jade Pinkerton will be running the ASICS Central London 10K in aid of MacMillan Cancer Support. The run takes place across central London and goes through some of the most iconic and touristy areas of...
Changes to HSBC Self-Employed Criteria
HSBC have announced that from today they will be making some big changes to their self-employed criteria. Seemingly jumping on the band wagon and following in similar footsteps as Santander last week. What are the changes to HSBC self-employed criteria? Like many...
Santander Launch 95% Mortgages
Santander have announced today that they are launching new 95% mortgages outside of the governments mortgage guarantee scheme. On Wednesday the 1st of June Santander will be launching 95% loan to value (LTV) mortgages without the need for support from the Government’s...
PRIMIS crowned Best Network by Mortgage Strategy
Mortgage strategies’ annual awards ceremony took place last night at the prestigious JW Marriott Grosvenor House in Mayfair, London. Every year mortgage news outlet Mortgage Strategy hosts a black-tie dinner and awards ceremony to honour the leading individuals and...
What Is An Offset Mortgage?
You might have heard that term offset mortgage thrown about before on TV adverts, news articles, and in your local bank. But how much do you really know about offset mortgages? What are they and why would anyone choose to offset their mortgage? In this article we will...
Santander Self-Employed Mortgages Change to 90% LTV
As of tomorrow (Thursday the 26th of May) Santander have confirmed that they have now increased their maximum LTV (Loan to Value) for self-employed people from 75% i.e. 25% deposit, to 90% i.e. 10% deposit. This is fantastic news as Santander has held firm at only...
Right to Buy Contractor – Case Study
Key facts: Client lived in a house and rented it from the local council As part of the right to buy scheme, he wanted to purchase the property from the council at a discounted price. He approached his bank because he thought this would be the easiest option for him....
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