Mortgage News, Insights & Advice
All the latest UK mortgage news, insights and advice from the world of mortgage lending and Oportfolio
Crown Wharf Canning Town: New Build Development in E16
Canning Town has rapidly become one of East London’s most exciting regeneration hotspots, and Crown Wharf by Barratt Homes sits right at the heart of this transformation. Combining riverside living, excellent transport links and modern design, Crown Wharf Canning Town...
Santander Launches 98% Mortgage for First-Time Buyers
Santander has unveiled a new high loan-to-value mortgage aimed squarely at helping first-time buyers overcome one of the biggest hurdles to homeownership...saving for a deposit. The new product, called My First Mortgage, offers borrowing of up to 98% loan to value...
How Long Before A Mortgage Shortfall Debt Is Written Off?
If you’ve ever faced repossession, sold a property for less than the outstanding mortgage, or are trying to move on financially after a difficult period, you may be wondering how long before a shortfall debt is written off, and what your options really are. Mortgage...
How to Choose a Mortgage Broker in the UK
Why Choosing the Right Mortgage Broker in the UK Matters Finding the right mortgage deal for you will cost you thousands of pounds throughout your term. And yet, among them all, it can become staggering. That is where a UK specialist mortgage broker can help. 1. Know...
New Virgin Money Rules for Foreign National Mortgages
Virgin Money has unveiled a major overhaul of its foreign national mortgage lending policy, bringing more flexibility and higher loan-to-value (LTV) ratios to those who are not ILR or settled/pre-settled status holders. The move will help more foreign national clients...
Is It Really a Bad Time to Buy a Home? Here’s the Real Picture.
Should You Wait to Buy a Home in 2025? Let's Break It Down. We get it. Between headlines about rising interest rates, inflation, and housing market uncertainty, it’s easy to feel like buying a home right now might be a mistake. But is it really a bad time to buy? At...
Nationwide Cuts Income Thresholds for Helping Hand Mortgage UK
In a tremendous boost to first-time buyers, Nationwide Building Society has today announced a significant reduction in the minimum income levels for its Helping Hand mortgage scheme, making home ownership more accessible to thousands of individuals throughout the UK....
5 Mortgage Myths That Might Be Holding You Back
Don't Let Mortgage Myths Delay Your Property Plans. If you're thinking about buying your first home, or even remortgaging, you've probably heard a few things that made you pause. At Oportfolio Mortgages, we help clients in London and beyond overcome mortgage confusion...
TSB Cuts Fixed Mortgage Rates for Home Buyers: July 2025 Update
In a move that is set to accommodate first-time buyers and home movers, TSB reduced its fixed mortgage rates to enable them to ascend the property ladder. The changes, which were unveiled in July 2025, form part of a broader shake-up in residential, Buy to Let, and...
First-Time Buyer Mortgages Could Benefit from Lending Rule Changes
UK first-time buyer mortgages may become cheaper following a crucial suggestion by the Bank of England to ease current lending limits on increased loan-to-income ratios. In its latest Financial Stability Report, the Bank suggested providing lenders with more...
Nationwide First-Time Buyer Mortgage Rates Cut
UK mortgage lender Nationwide has launched a fresh round of rate cuts on a range of fixed rate mortgage deals, providing a welcome boost for first-time buyers, remortgagers, and existing customers alike. New rates, launching tomorrow, will fall by up to 0.20% on...
Expert Insight: What First-Time Buyers Really Need to Know in 2025
Buying your first home can be one of the most exhilarating, yet most intimidating, experiences you will ever have. With changing house prices, new mortgages, and a staggering quantity of web guidance, how do you get past fact from fiction? We met with Oliver...
Mortgages for Teachers: Your Complete Guide to Getting on the Property Ladder
If you're a teacher thinking of buying your first home, or indeed your second home, you might be asking yourself how having a teaching career influences your mortgage. The good news is that there are advisers and lenders who have experience of facilitating teachers in...
UK House Prices June 2025: Market Holds Steady as Activity Grows
UK house prices remained stable in June 2025, the most recent Halifax House Price Index finds, as confidence remains in its recovery to the housing market. The average house price is £296,665, just off May's £296,782, a period of consolidation rather than expansion....
How We Helped Secure a Fast Further Advance in Just 2 Weeks
At Oportfolio Mortgages, we’re all about finding real solutions for real people quickly, efficiently, and with as little stress as possible. This recent client success story is the perfect example of how our team goes above and beyond when time is of the essence, to...
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