Mortgage News, Insights & Advice
All the latest UK mortgage news, insights and advice from the world of mortgage lending and Oportfolio
UK Mortgage Market Update – 12th of October 2026
Mortgage rates have finally shown signs of easing after weeks of increases. Santander, Halifax and Yorkshire Building Society have introduced selected reductions, with some fixed deals dropping below 5%. Here’s what changed between 5th and 12th of October 2026.
What Happens If Your Mortgage Valuation Is Lower Than Your Offer?
What happens if your mortgage lender values a property below your offer? Learn how a mortgage down valuation can affect your LTV, deposit and borrowing, and the options available to keep your purchase on track.
UK Mortgage Market Update – 5th of October 2026
UK mortgage rates increased again this week as mortgage approvals fell to their lowest level since 2023 and the housing market slowed. We look at the latest rates, lender changes and what they mean for buyers and homeowners.
Is It Better to Rent or Buy a House in the UK?
Should you rent or buy a house in the UK? Learn the pros and cons of renting vs buying, mortgage affordability, and when home ownership may make financial sense.
Can I Remortgage Before My Fixed Rate Ends?
Can you remortgage before your fixed rate ends? Learn when to start the remortgage process, how early you can secure a new deal, and whether penalties apply.
Can I Get A Mortgage With Commission Income?
Can you get a mortgage using commission income? Learn how lenders assess commission earnings and why choosing the right lender can significantly impact borrowing potential.
Remortgage For Home Improvements
Learn how remortgaging for home improvements works, how to release equity from your property, and whether borrowing more on your mortgage could help fund renovations.
Can I Get A Mortgage With RSUs, Bonuses And Share Income?
Can you use RSUs, bonuses and share income when applying for a mortgage? Learn how lenders assess complex income and why choosing the right lender can make a huge difference.
UK Mortgage Market Update – 8th June 2026
Mortgage approvals reached a 15-month high while house prices continued to soften. Read the latest UK mortgage market update covering rates, affordability, remortgaging, and property market trends.
How We Helped A Newly Appointed Executive Secure A £750,000 Mortgage During Their Probation Period
Discover how we helped a newly appointed executive secure a £750,000 mortgage while still in their probation period. Learn how lender criteria can make all the difference.
How To Add Value To Your Home
Discover the best ways to add value to your home in the UK, from loft conversions and kitchen renovations to solar panels and garage conversions. Learn which home improvements can increase property value, improve buyer appeal, and which upgrades may not deliver the return you expect.
Can I Get A Mortgage With A Small Deposit?
Learn how low-deposit mortgages work in the UK, whether you can buy with a 5% deposit, and what lenders look for when assessing mortgage affordability.
UK Mortgage Market Update – 1st June 2026
Mortgage rates remain volatile as lenders cut selected products and UK house prices fall for the first time in 2026. Read the latest UK mortgage market update from Oportfolio Mortgages.
How to Get a Mortgage in the UK – Your Questions Answered
If you're wondering how to get a mortgage in the UK, you're not alone. Whether you're a first-time buyer or moving home, understanding the mortgage process can feel overwhelming. From deposits and affordability to lender criteria and approvals, there are many moving...
Questions To Ask A Mortgage Broker
Discover the most important questions to ask a mortgage broker and how to maximise your borrowing and mortgage approval chances.
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If you have any questions about UK mortgage news or anything you’ve read then please get in touch. We’d love to hear from you.