UK Mortgage Centre

Ensuring the wellbeing of your loved ones is paramount, especially when you have a family of your own. One insurance policy offers peace of mind and security for families is Family Income Benefit Insurance. In this Family Income Benefit guide,...

As you embark on the journey of securing your financial future, understanding the ins and outs of Income Protection Insurance is paramount. This comprehensive guide aims to shed light on Income Protection Insurance in the UK, answering fundamental questions regarding...

In the UK, remortgaging stands out as a highly cost-effective method of raising capital to purchase a new property. However, it is crucial to ensure that your current property holds sufficient equity to make the process worthwhile. If you have...

 In today’s uncertain world, planning for the unexpected is crucial, and life insurance stands as a cornerstone of financial security for individuals and families alike. But what exactly is life insurance, and why is it so essential? In this comprehensive...

What Is A Debt Consolidation Mortgage? A debt consolidation mortgage is a way of consolidating/combing your current debts into one (your mortgage). In many cases this makes managing your money a lot easier. In other words, your mortgage will become...

Unsure whether you’ll be accepted by lenders for a five per cent mortgage in the UK? Regardless of whether you have concerns about the size of your deposit and affordability or you’re simply doing research as a first-time buyer, the...

Interested in obtaining a self-build mortgage as a first-time buyer? If you have the vision and passion to build your own home but are concerned about how you’ll fund this massive construction project as a first-time buyer, we can help....

Are you on the hunt for your dream home in the UK? Among the myriad options available, new build homes stand out for their unique advantages tailored to meet the needs of many prospective buyers across the UK. In this...

Feeling confused by mortgage offers aimed specifically at first-time buyers? Promises of low deposits and attractive interest rates on certain mortgage products can seem tempting for your pocket, but how do you know that you’re actually getting a good deal?...

Eager to become a homeowner, but unsure whether now is the right time to put in an offer on that perfect property? At UKMC, we understand that being a first-time buyer can be a daunting prospect, especially when you’re faced...

Fallen in love with your ideal first home, but concerned about how long it’ll take for your mortgage application to be approved?Below, the experienced mortgage advisors at UKMC explain how long mortgage application approval typically takes, which factors can affect...

Searching for the most beneficial first-time buyer mortgage scheme to help shorten your route to home ownership? With the increased cost of living, raised rents, and skyrocketing property prices in the UK, it’s no wonder that first-time buyers are turning...

Keen to obtain a first-time buyer interest-only mortgage? Before you start reaching out to lenders with attractive interest-only mortgage deals, it’s important to weigh the pros and cons of opting for this type of mortgage as a first-time buyer. Fortunately,...

As a first-time buyer, it’s natural for you to feel daunted, intimidated, or simply confused by the property-purchasing process. No matter how much advice and guidance you might receive from friends and family, there’s nothing quite like buying your first...

Concerned that bad credit might be spoiling your chances of becoming a homeowner for the first time? To help you understand the impact that poor credit might be having on you as a prospective first-time buyer, the knowledgeable mortgage advisors...

Deciding on the right policy for you can be tricky, it’s an important decision you need to make for both yourself and your family. If your health is a concern, and you anticipate a shorter lifespan, considering over 50s life...

Struggling to save a significant deposit for your first home? It’s no secret that there are many associated costs when it comes to buying a property, but none are often bigger than that all-important upfront cash deposit. Even with years...

It’s no secret that buying your first home can feel like quite the undertaking. Between arranging house viewings to organising a reliable surveyor, doing your research into the best mortgages for first-time buyers is an essential task. However, we know...

The UK Mortgage Centre (UKMC) is aiming to help families across Warrington and the surrounding areas this Christmas. After a year of financial uncertainty and many families struggling to afford their mortgage and other household bills, UKMC want to ensure...

Remortgaging can be a strategic financial move, but timing is everything. In today’s blog post, we’ll explore four key scenarios when it makes sense to consider remortgaging. While everyone’s situation is unique, these opportunities could help you save money, secure...

In today’s blog post, we’re going to explore the incredible benefits that come with remortgaging your home. Whether you’re looking to reduce monthly repayments, gain better control over your finances, consolidate debt, pay off your mortgage quicker, or borrow more...

In this blog post, we’re going to dive into an important aspect of remortgaging that every homeowner should be aware of: the costs involved. The amount you’ll pay to remortgage your home can vary significantly based on several factors. We’ll...

In today’s blog post, we’re going to delve into the world of remortgages, explaining what they are and how they work. Whether you’re a homeowner looking to optimize your mortgage or simply curious about the process, we’ve got you covered....

In today’s blog post, we will be discussing some of the most common mistakes that first-time homebuyers make when purchasing their first homes. Avoiding these errors can save you time, money, and unnecessary stress during the homebuying process. So, let’s...

In today’s blog, we’ll explore the basics of obtaining a first-time buyer mortgage in the UK. Whether you’re new to the housing market or seeking information about the process, this guide will cover everything, from understanding first-time buyer mortgages to...

The different terms surrounding mortgages can be difficult to understand, especially if you’re a first-time buyer. Here, we will break down what is meant by the following: When it comes to buying a home, a mortgage might sound like a...

Whether you’re struggling to afford your current mortgage or looking to boost your affordabilityahead of getting a new one – there are a number of things you can do to help your cause. If you’re struggling with mortgage affordability –...

Buying a home is an exciting milestone, but it’s essential to understand the true cost involved in the process. While it’s challenging to determine the exact expenses, as they vary depending on individual circumstances, we can focus on the core...

Buying a new property is a major investment, and conducting crucial property searches is essential for a smooth, issue-free purchase. In this blog, we’ll delve into four key search types: Local Authority, Environmental, Water & Drainage, and Land Registry. Understanding...

When it comes to borrowing for a mortgage, understanding your affordability is crucial. Knowing your borrowing ceiling, or how much you can reasonably borrow, helps you make informed decisions and navigate the home-buying process effectively. In this blog post, we...

While you’re here, we understand life insurance may not top your priorities. But if you’re building a career, starting a family, or buying your first home, it’s precisely when you should consider it. Life insurance ensures that your loved ones,...

When your fixed-rate mortgage ends, you will need to either renew your mortgage, refinance it, or pay off the outstanding balance. If you choose to renew your mortgage, you will have the opportunity to negotiate a new interest rate and...

These are our top tips in making sure your remortgage goes as smoothly as possible. Tip number 1 – Plan ahead Starting your remortgage around 6 months before your deal is up gives you a good amount of time to...

Buying a house is a major milestone in life, and getting a mortgage offer from the bank is a significant step towards realizing that goal. A mortgage offer is a formal agreement by a lender to lend you a certain...

In the UK, buying a house without a deposit is possible but challenging. It involves obtaining a 100% mortgage, covering the full property cost. However, most lenders typically require a deposit for risk mitigation What’s a Deposit? A deposit is...

So you’re looking at remortgaging your property, possibly for the first time, and you don’t know where to start. Let’s break the process down… Step 1 – Finding out what you can afford. When assessing how much you can afford,...

When it comes to a home, they say you’ll know it’s the right one when you feel it deep in your gut. You can visualise yourself living there, envision the renovations, and make it uniquely yours. How do you go...

Buying a property is one of the biggest investments that you are likely to make in your lifetime. It is essential that you are aware of the process and the documents that you should receive when you buy a house...

Investing in property is a trending topic that’s been on the rise in recent years. As the market for property investment in the UK continues to expand, it’s essential to equip yourself with the knowledge and strategies to make informed...

Are you thinking of investing in property? This can become a great boost to your monthly income and a great long-term investment. BUT like all investments there are risks involved so it’s important to consider all possibilities and gain as...

Congratulations on your accepted offer for a house. What comes next? After all the searching, viewings, and decisions, having your offer accepted on your dream home is a significant milestone. However, it’s important to note that this is an early...

When you’re ready to move house, consider the various costs involved. This includes expenses that may catch you by surprise, especially if you’re a first-time buyer. Even if you’ve bought property before, it’s essential to refresh your knowledge of these...

Before committing to a buy to let mortgage you need to make sure you are fully aware of the pros and cons. In this blog we will help you make an informed decision as to whether buy to let mortgage...

Many of us have heard a family member, perhaps your dear grandmother, daydreaming about embarking on that dream world cruise for the last half-decade. Or maybe, you’re the one who’s been yearning for that adventure. Well, what if we told...