Unsure how a lack of credit history could affect your home-purchasing journey as a first-time buyer? Regardless of whether you’re worried or simply curious, the
Unsure how a lack of credit history could affect your home-purchasing journey as a first-time buyer? Regardless of whether you’re worried or simply curious, the
Our clients love our relaxed, simple and down to earth approach to delivering expert mortgage advice, that helps them cut the clutter and secure home ownership on their own terms. Our support and expert advice extends to clients who are looking to remortgage and to first-time buyers securing their first homes.
Our clients love our relaxed, simple and down to earth approach to delivering expert mortgage advice, that helps them cut the clutter and secure home ownership on their own terms. Our support and expert advice extends to clients who are looking to remortgage and to first-time buyers securing their first homes.
We are a family-run business. This personal approach gives us an interesting perspective. To us, mortgages are about more than a transaction – they’re an integral part of having your own home.
People love our simple and easy-to-understand approach to delivering expert mortgage advice. We help them cut through the noise and secure the home of their dreams on their own terms.
We strive to always have a positive impact, not only on your mortgage but on the wider world.
There are no mortgages on a dead planet. Whilst we can’t change the world, we can do our bit. That’s why here at UKMC we are 100% carbon neutral and work with our customers to offset all CO2 emissions that we generate whilst we help you secure homeownership.
UKMC – good for our clients, good for your home, and good for the planet.
Our first office
We started in the world’s smallest office in 2016 in- and have only gotten bigger since! From small beginnings we built a service that puts people at the heart of everything.
Honiton Way, Penketh
We started in the world’s smallest office in 2016 in- and have only gotten bigger since! From small beginnings we built a service that puts people at the heart of everything.
Warrington Town Centre
We opened a second office in the town centre, May 2021. This extended our reach further – and our ability to help people on their home ownership journey.
Office Move
We moved from our initial site in Penekth to Buttermarket Street in January 2022.
New location, same straightforward mortgage advice for all.
Expanding the team
The business started with just Sam & Ray – fast forward a few years, and there are now 20 of us. There’s also an office dog. We’ll only get bigger and better from here.
Introducing UKMC
In June 2023 we decided to do a full rebrand and turn WMC into a national business – UKMC. Our transformation from small local service to nationwide mortgage experts is complete. No matter where you are in the UK, we are here to help.
We understand that the world needs our support. We’re committed to change and want to help you be a part of it!
We provide a service that is fully-stress free and 100% Carbon Neutral. We work with our customers to plant enough trees to offset all CO2 emissions that we generate throughout helping you secure homeownership. Our staff are fully trained on how to have a positive impact, not only for your mortgage, but for the substantiality of OUR planet.
Got questions? Let’s answer them
We get it – mortgages are confusing and complex at times. We’ve been there.
Choosing us means getting expert mortgage advice that cuts through the clutter and helps you secure home ownership on your terms. With access to a wide range of lenders, schemes and products, we ensure you get the best deal. Our personal approach means we see mortgages as more than just transactions – they’re key to owning your own home.
Most mortgage lenders will offer you 4 to 4.5 times your annual income, minus any yearly outgoings you have. There are schemes you can access to increase your borrowing.
This one’s easy…CONTACT US! We’ll be able to talk you through every step. We’ll first ask for some documents and then we’ll calculate your affordability and secure you your mortgage offer.
Can’t find the answer you’re looking for? Please chat to our friendly team.
UK Mortgage Centre Limited is an Appointed Representative of Refresh Mortgage Network Limited. Refresh Mortgage Network Limited is authorised and regulated by the Financial Conduct Authority. We are entered on the Financial Services Register under firm number 1019794.
As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments. The Financial Conduct Authority does not regulate some forms of buy-to-let mortgages.
The Financial Conduct Authority does not regulate will writing and taxation and trust advice.
You may be charged a fee for your advice. A typical fee is £495, which would be payable when you receive your mortgage offer. Your dedicated advisor will discuss this further on your free initial phone call.
Registered company number: 15825320
