Mortgage News, Insights & Advice
All the latest UK mortgage news, insights and advice from the world of mortgage lending and Oportfolio
Mortgages For High-Net-Worth Individuals
When it comes to securing a mortgage, high-net-worth individuals often face a unique set of challenges. Contrary to what one might expect, having significant assets doesn't necessarily make the process straightforward. From complex income structures to the need for...
Swap Rates Decline, Boosting Homebuyer Affordability In The UK
Recent research from Octane Capital has revealed a promising forecast for mortgage rates in the UK. The study, which analysed average swap rates over 30 and 60-day periods, indicates that swap rates have started to decline. This shift could herald a significant...
Nationwide Cuts Mortgage Rates Below 4%, Leading Market Shift
Nationwide Building Society has announced a significant reduction in its mortgage rates, with the lowest rate now dipping below 4%. The mutual lender has reduced prices by up to 0.25% across its two-, three-, and five-year fixed-rate products, making it the first...
What does the election mean for my mortgage?
One of the most common concerns for any homeowner at any given time is likely to be what happens to interest rates. It’s an issue that has come into sharper focus since the EU referendum was held 41 months ago. In a week’s time, the UK will go to the polls for the...
Do I need life insurance?
We all know that life can be expensive and most of us are busy trying to cut our costs rather than increase them, but there’s one additional expense that you should seriously consider adding to your monthly outgoings. If you have a family or there are others who...
What Does A Falling Housing Market Mean?
If recent media reports are to be believed, the ongoing political uncertainty is having a significant impact on the London housing market. According to the latest price index from estate agency portal Right Move, the impasse on Brexit has shaved £13,000 off the...
My fixed mortgage deal is ending. What should I do?
There are a few times every year when a letter from one of your insurance providers will drop through your door to notify you that your fixed mortgage deal is ending and notifying you of your new premium for the coming year. The chances that these letters will...
How can I help my children get onto the housing ladder?
As parents, we always want to use our experience, knowledge and resources to help our children to succeed in life – and that doesn’t change whether they’re 5 or 25. A lot of the time, it’s easy to provide help that makes a difference, whether it’s in teaching life...
Are you getting the best finance advice for your needs?
The world we live in is increasingly on-demand and technology has made it possible for us as consumers to easily get what we need from multiple sources. Personal finance advice and products are no different. But is that the best way to make important financial...
Has Brexit Changed The Immediate Future Of Property?
It’s been a few months since I last wrote about Brexit and its likely impact on interest rates, the mortgage sector and the residential property market. That was not long after the deadline for the UK to leave the EU was extended to the end of October. So, now that...
Moving home? Get ahead of the game to get the best deal
Nothing in life stays the same. The plans we make for today and tomorrow can change over time and new plans will need to be made. That’s certainly true when it comes to buying houses. There are all sorts of reasons for moving. It may be that you originally bought the...
Mortgage planning to save you money
We often talk and write about the importance of making sure you start to plan early when it comes to managing your mortgage to save you money. Although the stricter regulatory environment that’s evolved since the economic crisis began in 2008 has resulted in much...
How To Navigate First-Time Buyer Challenges
Anyone who’s looking to get their foot on the first rung of the housing ladder or has just managed to find their way onto it will know that being a first-time buyer can be an extremely challenging and stressful time. You’d almost have had to have been living under a...
Important Insurance Products You Probably Don’t Have
None of us likes to dwell on the unpleasant things that life might throw at us. Whether it’s planning for death or illness, humans seem to generally prefer to postpone the bleaker considerations in life rather than looking for the correct insurance product. Yet,...
High Net Worth? Getting A Mortgage Might Not Be Easy
You’d think it would be the easiest thing in the world. You’ve been highly successful in your life, invested wisely and, by anyone’s standards, you’re comfortably wealthy and able to buy just about anything you desire. Anything, that is, apart from a mortgage. Bizarre...
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