FIRST-TIME BUYER
MORTGAGE ADVICE
YOU CAN TRUST

Struggling to decide whether you should opt for a shorter or longer mortgage term as a first-time buyer? Fortunately, the professional and down-to-earth team at UKMC is on hand to explain how first-time buyers can choose the most suitable term...

A first-time buyer with a dream to own your home? Accessing the government’s mortgage guarantee scheme is one way to help you do exactly that. But how does it work? And do you meet the criteria? At UKMC, our experienced...

Considering applying for a buy-to-let (BTL) mortgage, but unsure whether you’ll be approved due to your first-time buyer status? At UKMC, our mortgage advisors are experts in BTL mortgages and helping first-time buyers, so you’ve come to the right place....

Have you found your perfect first home or just starting to explore the property market? You don’t want to let that property you fall in love with go to someone else! Placing an offer can make or break your chances....

How Do I Increase My Mortgage Amount? Are you looking to buy your first home but struggling with your mortgage affordability? There are steps you can take to enhance your affordability and secure a higher mortgage loan.   If you’re...

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...

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...

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...

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...

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...

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...