Mortgage News, Insights & Advice
All the latest UK mortgage news, insights and advice from the world of mortgage lending and Oportfolio
Can I Make an Offer on a House Without a Mortgage in Principle?
You don’t legally need a Mortgage in Principle to make an offer on a house, but having one can strengthen your position as a buyer. Here’s when to get an AIP, what it proves and what happens after your offer is accepted.
UK Mortgage Market Update – 14th of September 2026
UK mortgage rates continued to rise between the 7th and 14th of September 2026, but new data suggests buyer demand may be starting to improve. Here’s what changed this week and what borrowers should watch next.
Life Insurance For Cancer Patients
If you’ve been diagnosed with cancer or are a cancer survivor, you may still be able to get life insurance. Learn how UK insurers assess applications, what affects your eligibility and how to improve your chances of finding suitable cover.
UK Mortgage Market Update – 18th of May 2026
Latest UK mortgage market update covering mortgage rates, lender changes, housing market trends, remortgage news and Bank of England developments.
What Is Critical Illness Cover? Your Questions Answered
What is critical illness cover and do you need it? Learn how it works, what it covers, and how it protects your mortgage and finances in the UK.
Common First-Time Buyer Mistakes to Avoid
Discover the most common first-time buyer mistakes in the UK and how to avoid them to save money and secure the right mortgage.
First-Time Buyer Myths Explained
First time buyer myths explained. Discover the truth about deposits, credit, and mortgages for first-time homebuyers in the UK.
Can I Get a Mortgage In My Probation Period in the UK?
Can you get a mortgage during probation in the UK? Learn which lenders accept new job applications and how to improve approval chances.
Securing a £1.8M Mortgage Using Bonus & Complex Income (Case Study)
Bonus income mortgage UK case study showing how a £1.8M mortgage was secured by structuring bonus income correctly.
£200k Salary Mortgage UK: How Much Can You Borrow?
£200k Salary Mortgage UK: How Much Mortgage Can You Afford? If you’re earning £200,000 a year, one of the most common questions is: “How much mortgage can I afford with a £200k salary?” The answer depends on several factors, including your income structure, deposit,...
HNW Mortgages: A Complete Guide for High Earners
High Earner Mortgages UK: What Are Your Options? If you’re a high earner, you may assume getting a mortgage is straightforward, but that isn’t always the case. Even for high-income applicants, lenders don’t always assess income in a way that reflects true...
How Is Mortgage Affordability Calculated?
Mortgage affordability checks are assessments used by lenders to decide how much you can borrow and whether you can afford the monthly repayments.
Can I Get a Mortgage With Debt in the UK?
Can you get a mortgage with debt in the UK? Learn how loans, credit cards, and finance affect affordability and borrowing.
Self-Employed Mortgage with 1 Year Accounts UK
Self-Employed Mortgage (1 Year Accounts UK): What Are Your Options? If you’re self-employed and only have one year of accounts, you may be wondering: “Can I get a mortgage with 1 year accounts?” The good news is, yes, it is possible. There are lenders in the UK who...
UK Mortgage Market Update – 27th of April 2026
Mortgage rates in the UK rose again in the third week of April 2026 as lenders adjusted pricing. Here’s what it means for buyers and remortgages.
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