Mortgage News, Insights & Advice
All the latest UK mortgage news, insights and advice from the world of mortgage lending and Oportfolio
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.
Large Mortgages in the UK: How to Borrow £500k–£2m+
If you’re looking to borrow a significant amount, you may be wondering: “How do I get a large mortgage in the UK?” Large mortgages, typically £500k and above, often require a more specialist approach than standard lending. In this guide, we’ll cover: How to get a...
Meet James Brook From Novello Chartered Surveyors
Recently, Oportfolio Mortgages spoke to chartered surveyor James Brook FRICS, co-founder of Novello Surveyors. Novello is a RICS chartered surveying firm covering locations across London, the home counties, and Yorkshire. In a sometimes difficult to navigate property...
How Much Mortgage Can I Borrow on £100k Salary?
In simple terms, most lenders will offer between 4.5x and 5.5x your income, meaning borrowing potential could range from £450,000 to £550,000, depending on your circumstances. However, if you’re a professional earning £100k+, the real answer is more nuanced,...
Is It Possible to Get a 100% Mortgage? Yes, Through Family Building Society.
Yes, it is possible to get a 100% mortgage in the UK, but usually with family support. Family Building Society has launched an enhanced Family Mortgage available up to 100% loan-to-value (LTV), giving first-time buyers and home movers a way to buy without a...
Interesting New Data From The Mortgage Works Buy-to-Let Barometer
The Mortgage Works’ latest Buy-to-Let Barometer report highlights a significant shift in landlord sentiment, with confidence in the Private Rented Sector (PRS) weakening compared with last year. At a time when regulation, taxation and interest rate pressures are...
Hinckley & Rugby Building Society JBSP and Income Flex Criteria
With the average UK house price now surpassing £300,000, according to Halifax, mortgage affordability remains one of the biggest barriers facing buyers, particularly first-time buyers trying to secure their first home. In response to growing affordability challenges,...
Clydesdale Bank Mortgage Criteria Explained
Clydesdale Bank continues to stand out in the UK mortgage market for its flexible, common-sense approach to lending, particularly for borrowers with complex incomes, non-standard circumstances or higher loan requirements. As the market moves through 2026, Clydesdale’s...
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...
NatWest Expands Mortgage Lending Criteria Allows Up to 6x Income Borrowing
NatWest has recently made some big changes to its mortgage lending criteria, increasing how much certain customers can borrow and improving affordability for higher-earning applicants across purchases and remortgages. The updates, which came into effect earlier this...
UK Mortgage Market Outlook 2026: A Mortgage Adviser’s View
As we move into 2026, the UK mortgage market feels cautiously optimistic, but far from straightforward. After attending PRIMIS’s 2026 kick-off event, it’s clear that while demand for mortgages remains resilient, wider economic uncertainty continues to shape how...
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