About us

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.

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Our story

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.

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Our vision

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.

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Our journey

Jan 2016
Started in the world’s smallest office

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.

Jan 2017
First shop front office

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.

May 2021
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Second office

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.

Jan 2022
Moved our business into the town centre office

Office Move

We moved from our initial site in Penekth to Buttermarket Street in January 2022.

New location, same straightforward mortgage advice for all.

Mar 2022
Our team keeps growing

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.

June 2022
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Full Rebrand

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’re carbon neutral

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.

Frequently asked questions

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.

A mortgage broker helps you find the best mortgage deal for your needs. Unlike a bank, which can only offer its own products, a mortgage broker has access to a wide range of lenders and 1000s mortgage products. This means they can match you with the best options available, not just one. Here’s why using a mortgage broker is a smart move for you:
  • Variety of Options: They search through numerous lenders to find the best mortgage rates and terms for you.
  • Saves You Time: They handle all the paperwork and admin, so you don’t have to worry about the details.
  • Expert Guidance: They provide professional advice to help you understand your choices and make the best decision.

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.

Still have questions?

Can’t find the answer you’re looking for? Please chat to our friendly team.

Download your Guide to mortgage rates and types

Download your Insurance Guide

Download your Lifetime Mortgages guide

Download your Buy to Let Guide

Download your Document Checklist

Download your Home Viewing Checklist

Download your Home Moving Guide

Download your Remortgages Guide

Download your First Time Buyers Guide

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