Mortgage News, Insights & Advice
All the latest UK mortgage news, insights and advice from the world of mortgage lending and Oportfolio
Teachers Building Society Expands Support for Unusual Property Mortgages
Teachers Building Society highlights mortgage criteria for unusual property types including annexes, basement flats and homes with land.
Mortgage FAQ: How Much Deposit Do You Need for a Mortgage in the UK in 2026?
Learn how much deposit you need for a mortgage in the UK in 2026, including minimum deposits and how lenders assess loan-to-value.
Mortgage Myths: First-Time Buyer Questions Answered by Property Experts
Buying your first home can feel like stepping into the unknown. With rising property prices, changing mortgage rates and complicated legal processes, many prospective buyers feel unsure about where to begin. To help clarify some of the most common concerns, Heidi...
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...
TMW Launches Competitive Buy-to-Let Mortgage Rates from Just 2.79%
The Mortgage Works (TMW), the specialist buy-to-let lending arm of Nationwide Building Society, has announced rate reductions across its buy-to-let mortgage range. From today, selected products for both new and existing customers will be lowered by up to 0.35%, with...
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