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 – 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.
What Is Contents Insurance & What Does It Cover?
What is contents insurance? Find out what home contents insurance covers, how much protection you may need and why it matters when buying a property or arranging a mortgage.
Large Mortgage Case Study UK: How We Secured a Better Rate on a £1m Mortgage
Arranging a large mortgage? See how a small change saved our client money on a £1m+ loan. Specialist advice for high-value mortgages in the UK.
Mortgage Affordability in London: How Much Can You Borrow in 2026?
Find out how mortgage affordability works in London, including how much you could borrow based on your income, how your deposit affects your property budget and how lenders assess bonus, self-employed and complex income.
Does Changing Jobs Affect Your Mortgage Application in the UK?
Changing jobs before applying for a mortgage in the UK? Learn how it affects approval, probation periods, and borrowing in this 2026 guide.
£1 Million Salary Mortgage UK: How Much Can You Borrow?
If you earn £1 million a year, your mortgage options go far beyond standard high street lending. At this level, you’re likely to be considered a high net worth (HNW) or ultra high net worth (UHNW) client, meaning lenders can offer bespoke mortgage solutions tailored...
UK Mortgage Market Update – 20th of April 2026
Mortgage rates remain high in April 2026, although pricing eased slightly this week. Here’s what it means for UK buyers and homeowners.
Securing a £1.2M Mortgage for a Client with Bonus Income (Case Study)
See how a £1.2M mortgage was approved using bonus income and why choosing the right lender can significantly increase borrowing potential.
What Salary Do I Need for a £2 Million Mortgage in the UK?
In most cases, you’ll need a household income of around £400,000–£500,000 to secure a £2 million mortgage in the UK, depending on your deposit size, income structure, and lender affordability rules. Below, we break down realistic salary scenarios, lender calculations,...
Why Did My Mortgage Application Get Declined in the UK?
Mortgage declined in the UK? Learn the most common reasons lenders reject applications and what you can do to improve your chances.
£500k Salary Mortgage UK: How Much Can You Borrow?
If you earn £500,000 a year, you have access to some of the most flexible and powerful mortgage options in the UK, but that doesn’t mean every lender will offer you the best deal. In fact, high earners often require specialist lenders or private banks to unlock the...
UK Mortgage Market Update – 13th of April 2026
Mortgage rates rose again this week as lenders repriced deals and market uncertainty increased. Here’s what it means for UK buyers and homeowners.
What to Do If Mortgage Rates Are Rising in the UK
Mortgage rates rising in the UK? Learn what to do if your fixed rate is ending and how to manage higher payments with the right strategy.
Case Study: Helping a Self-Employed Buyer Secure a Mortgage with Just 1 Year of Accounts
Can you get a mortgage with 1 year of accounts? This case study shows how a self-employed buyer secured approval with the right lender.
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