How long does it take to remortgage with the same lender?
When remortgaging, it makes sense to do plenty of research to make sure you’re getting the best deal for you. Sometimes, this means changing to a new lender – but not always. Unsure about next steps? Here at UKMC, our team of experienced mortgage advisors make the decision less daunting by providing the support you […]
How to remortgage a buy-to-let property
Looking for different ways that you can grow your property portfolio in the UK? If you’ve just become a landlord, or are researching ways you can invest more of your money into profitable property, our remortgaging experts are on hand to help! Offering clear, jargon-free advice, our down-to-earth team consistently helps our customers to understand […]
How to remortgage with bad credit
Unsure whether you can remortgage with bad credit? Credit history is an important consideration for lenders when they determine your affordability, and we understand why you might be feeling a little nervous if your mortgage term ends soon. It’s important not to worry! By tailoring our approach, we can help you to search the whole […]
What types of mortgages are there in the UK?
The right mortgage for you depends on many factors, including your budget, credit score, life stage, deposit size, the type of property you’re buying and also why you’re buying it. Evaluating your needs, the terms of different types of mortgages, and the various deals available on the market can be complicated and time-consuming. That’s why […]
Which are the most common types of mortgages?
Are you feeling overwhelmed by the number of different mortgage products available on the market? Fixed-rate mortgages are by far the most common. According to The Times, approximately 89% of new mortgage loans taken out in August 2024 were fixed-rate mortgages. This type of mortgage is popular because of the stability that it offers, especially […]
What is the current mortgage rate in the UK?
Wondering why now is the time to remortgage, at least according to some financial experts? With current UK interest rates being held at 4.75% and future uncertainty, you’ll find some observers are suggesting now may be a good time to secure a deal. However, it’s no secret that the base rate is always changing. These […]
What is first-time buyers relief?
In recent years, rising property prices and interest rates have made it more difficult to get onto the property ladder. Indeed, according to Uswitch, the average age of first-time buyers in England rose to 34 in 2022-23. Fortunately, if you’re looking to buy your first home, then financial help is available. In this article, we’ll […]
What is a first-time buyer?
In the UK, first-time buyers may be eligible for certain schemes designed to help them get onto the property ladder. To be classified as a first-time buyer, you must meet a strict set of criteria. Who qualifies as a first-time buyer? In the UK, a first-time buyer is a person buying a house for the […]
What happens if you can’t afford to remortgage?
If rising interest rates are making you feel anxious about what’s going to happen when you come to remortgage, then don’t worry – you’re not alone. Millions of people are facing significantly repayments when their current fixed-rate deal ends, prompting the question; ‘What if I can’t afford to remortgage?’ In this article, we’ll explain what […]
How to remortgage to build an extension
Eager to find out whether you can (or should!) remortgage to build an extension? At UKMC, our friendly team of mortgage experts have helped countless customers to remortgage and free up funds for a wide range of home improvements – including extensions. Reach out today to arrange your appointment with one of our experienced mortgage […]
Can first-time buyers get a mortgage with no credit history?
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 expert mortgage advisors at UKMC are here to help you learn more about how credit history is used by lenders to assess the affordability of first-time buyers. Below, we explain […]
Can you remortgage when you’re on maternity leave?
Among the primary reasons a homeowner wants to remortgage while on maternity leave is to benefit from better interest rates. When a new baby arrives, it can cause significant financial strain, prompting a search for a deal that’s more suited to changed circumstances. After all, lower monthly mortgage repayments could free up money to buy […]
What is the stamp duty for first-time buyers?
Buying a house for the first time can seem daunting, especially if you’re unsure what you’re letting yourself in for. After all, there’s a lot to consider. Stamp duty, or Stamp Duty Land Tax (SDLT) to use its full title, is one element of a purchase that first-time buyers need to understand. Let’s start by […]
How much can first-time buyers borrow?
Struggling to understand how much a lender will allow you to borrow as a first-time buyer? While there’s many factors that lenders will assess when looking at your affordability, having a rough idea of what you can afford is often the best place to start your first-time buyer journey. To support you through this potentially […]
How much can I borrow when I remortgage?
Ready to remortgage your home? Find out which factors impact how much you can borrow when you remortgage from the experienced advisors at UKMC.
What happens on a remortgage completion day?
Curious to know what happens on remortgage completion day? UKMC’s mortgage experts will help you to get there.
What is the maximum mortgage a first-time buyer can get?
Eager to make your hard-earned money stretch as far as possible when it comes to buying your first home? You’re not alone. Prospective buyers from across the UK often ask us what the maximum mortgage is for a first-time buyer in to understand what kind of properties they can afford. Fortunately, our professional team of mortgage advisors have expertise […]
Can you remortgage when on a fixed rate?
Is your mortgage ending soon? Like every homeowner, we understand you’ll want to secure an improved deal. With that in mind, it’s important to carefully research and understand your options before making an informed decision. What is a fixed-rate mortgage? A fixed-rate mortgage is simply a type of mortgage product, that has a set interest […]
Do I need to pay stamp duty when remortgaging property?
Curious about stamp duty on remortgaged properties? The mortgage specialists at UKMC are here to help you understand!
Can I remortgage with the same lender?
Considering remortgaging with your current lender? The mortgage specialists at UKMC are here to guide you through the advantages of sticking with them.
How long does a remortgage take?
Not sure when to kick off the remortgaging process? Find out the duration of each step in the remortgage journey with the helpful advisors at UKMC.
How does a remortgage work?
Remortgage your home with ease! Learn why, when, and how to remortgage with UKMC’s expert guidance to save money, access equity, and secure better rates.
The cost of remortgaging
Curious about the expenses involved in remortgaging? Get insights into remortgaging costs from the specialists at UKMC.
How many times can I remortgage?
Are you wondering, ‘how many times can I remortgage my house?’ Get a better grasp of the remortgaging process with UKMC.
How to remortgage to release equity
Interested in discovering how to remortgage and unlock equity? Learn about the straightforward process from the knowledgeable mortgage experts at UKMC!
What is the best term for a first-time-buyer?
Not sure what mortgage term is right for you? Let the knowledgeable mortgage advisors at UKMC help you find the perfect mortgage term tailored for first-time buyers.
Will my house be revalued if I remortgage?
Searching for “do you need a valuation to remortgage?” online? Discover the essential steps to consider before remortgaging with the help of the experts at UKMC.
What first-time buyers need to know about the mortgage guarantee scheme
Interested in the mortgage guarantee scheme for first-time buyers? Find out more about the first-time buyer mortgage guarantee scheme with details from UKMC.
Can I get a buy-to-let mortgage as a first time buyer?
Curious if you can secure a buy-to-let mortgage as a first-time buyer? Discover what you need for approval from the experts at UKMC.
Can you be denied a remortgage?
Curious about the possibility of being turned down for a remortgage? Discover if a lender has the right to deny your remortgage application with the help of our expert mortgage advisors at UKMC.
How Do I Place An Offer On A Property?
Discover the secrets to making successful property offers with expert tips and guidance. Master the art of crafting compelling offers in our latest article.
How Do I Increase My Mortgage Affordability
Explore effective ways to enhance your mortgage affordability. Our essential blog for homebuyers is packed with expert insights and practical tips just for you.
What Is A Family Income Benefit Policy
What is a family income benefit policy? UKMC is here to assist you in choosing the best insurance coverage for you and your family.
What is income protection insurance?
What is Income Protection Insurance? Why do you need it? This blog addresses all your frequently asked questions about Income Protection.
How Do I Remortgage To Buy Another Home
Remortgaging to purchase another property is largely similar to a standard remortgage or home purchase.
What Is Life Insurance and Why Is It Important
UKMC is breaking down life insurance: what it is, why you need it, and answering your most frequently asked questions.
Using Your Remortgage To Consolidate Debts
Let’s discuss a debt consolidation mortgage. By remortgaging, you can tap into your home’s equity to boost your mortgage loan and access additional funds.
Who is eligible for a 5% mortgage in the UK?
Once your fixed-rate mortgage term is up, you’ll have to decide whether to renew it, refinance, or settle the remaining balance.
What is a self-build mortgage and can first-time buyers get one?
Eager to build your first home? Find out if you can obtain a self-build mortgage as a first-time buyer with guidance from the expert advisors at UKMC.
New Build Homes and Mortgages in the UK: Why They’re the Ideal Choice for Homebuyers
Newly constructed homes offer numerous advantages for homeowners throughout the UK. In this blog, we will delve into the benefits of new builds and the mortgage options available for these properties.
What is a first-time buyer mortgage and how does it work?
Confused about the mortgage guidelines for first-time buyers? Reach out to the knowledgeable mortgage advisors at UKMC to learn how mortgages for first-time buyers operate.
What are the benefits of being a first-time buyer?
Ready to take your first step into homeownership? Explore the top benefits for first-time buyers with the expert mortgage advisors at UKMC.
How long does a first-time buyer mortgage application take to be approved?
Excited to secure your dream first home? Act now to find out the duration of the mortgage application process.
Government schemes for first-time buyers
Looking to find the top government mortgage options for first-time buyers? Let the expert advisors at UKMC help you identify the perfect fit for your needs.
Can a first-time buyer get an interest-only mortgage?
Thinking about an interest-only mortgage as a first-time buyer? Discover if this mortgage option is suitable for you with insights from the expert advisors at UKMC.
First-time buyers’ guide to getting a mortgage
Are you finding it tough to secure a great mortgage deal as a first-time buyer in the UK? Learn the steps to successfully obtain a mortgage for your first home.
Getting a mortgage as a first-time buyer with bad credit
Discover expert advice on obtaining a mortgage as a first-time buyer with poor credit. Navigate the process with confidence using our thorough guide.
Your Over 50s Life Insurance Guide 2024
Discover the ultimate guide to life insurance for those over 50! Explore your options and get professional insurance advice from UKMC.
Can first time buyers get a mortgage with no deposit?
Ready to own your home? Learn how 0 deposit mortgages for first-time buyers can help you get started on the property ladder, courtesy of UKMC experts.
Choosing The Best First-Time Buyer Mortgage
Ready to secure your first mortgage? Explore top mortgage options for first-time buyers with guidance from our mortgage advice specialists.
UK Mortgage Centre’s Toy Appeal Is Back For 2023
Explore the touching initiatives of UKMC in the Toy Appeal 2023. Find out how we’re bringing happiness and creating a positive impact this festive season.
Timing is Key: When Should You Consider Remortgaging?
Discover the key moments during your mortgage term that might indicate it’s time to consider remortgaging your home.
The Benefits Of A Remortgage
Considering remortgaging your home? Learn how a remortgage could help you save money, increase your borrowing capacity, and provide more flexibility.
Understanding the Costs of Remortgaging – What to Budget For
Curious about the cost of remortgaging your home? This UKMC guide outlines the common fees to help you plan your budget.
What Is A Remortgage – The Process Explained!
Thinking about remortgaging? This guide will walk you through what remortgaging means, the steps you need to take, and how it can help you secure a more favourable deal.
First Time Buyer Mistakes You Should Avoid!
Buying your first home can be a bit overwhelming, and it’s common to stumble along the way. Discover the most frequent pitfalls that first-time home buyers encounter and find out how to steer clear of them.
What You Need To Know About Getting Your First Mortgage In The UK
Are you a first-time buyer aiming to purchase a home in the UK? Here’s your guide to obtaining your first mortgage.
What to do if you’re struggling with mortgage affordability
Are you seeking guidance on taking that exciting first leap into homeownership? Check out these helpful tips and strategies to make affording a mortgage easier for you.
The Cost of Buying Your First Home: Breaking Down Expenses for First-Time Buyers
All you need to know about the costs involved in buying your first home as a first-time buyer in the UK. first home as a first time buyer in the UK.
Understanding Property Searches: Your Guide to Ensuring a Secure Home Purchase
This UKMC guide explains what property searches are, why they are important, and how they can offer peace of mind to home buyers.
Understanding Your Mortgage Affordability: Calculating Your Borrowing Ceiling
Are you prepared to apply for a mortgage? UKMC provides assistance in understanding your mortgage affordability by offering guidance on how to calculate your borrowing limit.
Is Life Insurance Important, Do You Need It?
Explore the pros and cons of life insurance in our detailed guide. Understand its true value, when it’s worth it, and how to make the best decision for your financial future.
What happens when my fixed rate mortgage ends?
When your fixed-rate mortgage ends, you will need to either renew your mortgage, refinance it, or pay off the outstanding balance.
Top Tips For When You Need To Remortgage
Here are our top tips to ensure your remortgage process goes as smoothly as possible.
What Happens After A Mortgage Offer
Purchasing a home is a major life milestone, and securing a mortgage offer from the bank is a crucial step toward achieving that dream.
Can I Buy A House Without A Deposit
In the UK, it is possible to buy a house without a deposit, but it can be challenging. This requires securing a 100% mortgage to cover the entire cost of the property.
What Is The Order Of A Remortgage?
If you’re considering remortgaging your property for the first time and feeling a bit lost, don’t worry! Let’s simplify the process together.
How To Make An Offer On A House
Learn step-by-step how to make a successful offer as a first-time homebuyer. Get tips on negotiating, understanding market trends, and securing your dream home.
What documents should I get when buying a house?
Explore the essential documents needed when buying a house. Secure legal ownership with the correct paperwork. Your guide to the key documents for property purchases.
Property Investing – The Ultimate Buy To Let Guide
Achieve success in the UK buy-to-let market with expert advice and a step-by-step guide for creating a profitable property portfolio.
Top Tips To Invest In Property In The UK
Discover expert tips and insider knowledge on investing in UK property to help you grow your real estate portfolio.
Offer accepted on your house, what happens next?
Congratulations on getting your offer accepted for a house! Now, let’s explore the next steps you should take and provide you with a useful guide to the conveyancing legal process.
How Much Does Moving House Cost?
Discover the real expenses involved in relocating: Delve into the various factors, grasp the costs, and equip yourself with all the knowledge you need before your next property transition.
The Benefits and The Risks Of A Buy To Let Mortgage In The UK
Things to think about before getting a buy-to-let mortgage. Evaluate your choices to make a well-informed decision about whether it’s the right fit for you.
What is a Lifetime Mortgage?
Learn how to access equity so you can afford to do whatever you’ve always dreamed of.
