Mortgage News, Insights & Advice
All the latest UK mortgage news, insights and advice from the world of mortgage lending and Oportfolio
Can I Get a Mortgage If I’m Paid in US Dollars or Foreign Currency?
Are you paid in US dollars, euros or another foreign currency? Learn how UK mortgage lenders assess overseas income and how it could affect your mortgage application.
UK Mortgage Market Update – 3rd of August 2026
Read our latest UK Mortgage Market Update covering 27th July–3rd August 2026, including the Bank of England’s Base Rate decision, mortgage rate trends, house prices and what borrowers should watch next.
How We Helped a Chain-Free Buyer With Their Mortgage
Discover how Oportfolio Mortgages helped a buyer secure a mortgage and complete on time when purchasing a chain-free property, keeping the transaction moving smoothly from offer to completion.
Nationwide Helping Hand Mortgage Explained: Borrow Up to 6× Income
Learn how the Nationwide Helping Hand mortgage works and how eligible first-time buyers may be able to borrow up to 6× income.
What Salary Do I Need for a £200k Mortgage in the UK?
Discover what salary you typically need for a £200k mortgage in the UK, including lender income multiples and affordability examples.
UK Mortgage Market Update – 16 March 2026
Weekly UK mortgage market update covering mortgage rates, interest rate expectations and housing market trends for March 2026.
Case Study: Helping a London Buyer Use Bonus Income to Secure Their Mortgage
Case study showing how a London buyer secured a mortgage using bonus income after their lender initially offered lower borrowing.
What Salary Do I Need for a £600k Mortgage in the UK?
In most cases, you’ll need a salary of around £120,000–£150,000+ to secure a £600k mortgage in the UK, depending on your deposit size, income structure, and lender affordability rules. Below, we break down realistic salary scenarios, lender calculations and London...
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 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...
UK Mortgage Market Update – 9 March 2026
UK Mortgage Market Update – 9 March 2026 This weekly UK mortgage market update explains what’s happening with mortgage rates, housing trends, and what it means for borrowers right now. The UK mortgage market saw some important developments this week as global economic...
Case Study: Helping a Self-Employed Buyer Secure a Mortgage After Their Bank Declined
Case Study: Helping a Self-Employed Buyer Secure a Mortgage After Their Bank Declined This mortgage case study is based on a real client scenario. Details have been simplified to protect client confidentiality. Self-employed borrowers often find applying for a...
What Salary Do I Need for a £500k Mortgage in the UK?
In most cases, you’ll need a salary of around £100,000–£125,000 to secure a £500k mortgage in the UK, depending on your deposit, income structure, and lender affordability rules. Below, we break down realistic salary scenarios, deposit examples and lender calculations...
Is it Better to Fix for 2 Years or 5 Years in 2026?
Is it better to fix for 2 years or 5 years in 2026? This week’s mortgage FAQ answers one of the most common questions we’re hearing from buyers and homeowners right now, should you choose a 2-year fixed rate or a 5-year fixed rate? This is one of the most common UK...
UK Mortgage Market Update – 2 March 2026
UK Mortgage Market Update – 2 March 2026 The UK mortgage market continues to shift as expectations around interest rates change, mortgage pricing stabilises, and house price data shows renewed momentum. Here’s what happened this week, and what it means if you’re...
We're Here to Help
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.