Transparency
Business Disclaimers
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 – FRN 826982. We are entered on the Financial Services Register under firm number 1019794. Refresh Mortgage Network is an authorised credit broker and not a lender. We work with an unrestricted number of lenders to find a potentially suitable arrangement for your consideration.
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 £595, which would be payable when you receive your mortgage offer.
We will receive commission from lenders. Different lenders pay different amounts depending on different commission models. For transparency we work with the following commission models: fixed fee, percentage of the amount you borrow. Further details of the commission model, calculation and amount will be disclosed to you throughout your customer journey.
Registered company number: 15825320
Marketing Disclaimers
At UK Mortgage Centre, we make plenty of statements, whether it’s here on our website, on social media, or in our ads.
We believe in being open and honest, so we’ve put together a simple summary to show how we back up our claims.
If you have any questions, please reach out to us at hello@ukmc.co.uk
Our Claims
“On average 60% of UK Adults don’t have a will to protect their family’s future.”
Source: https://www.ftadviser.com/property/2024/01/05/more-than-half-of-brits-do-not-have-a-will/
“1.6 million homes are set to remortgage in 2025”
Source: https://www.smp.org.uk/news-insight/news/articles/prepare-to-embrace-the-return-of-remortgaging/
“We’ll give you a FREE will, valued at £299, through our trusted partners at Trustify Estate Planning”
Evidence: A basic joint will from Trustify Estate planning is charged at £299.
“We’ve secured over £500 million in lending”
Evidence: This data is based on our lifetime reporting through March 2025.
“Fees are payable once you receive a mortgage offer”
Evidence: We only charge a fee on the mortgage offer. As per our terms of business. No other fees are charged before the offer.
“Planted over 1,000 trees”
Evidence: For every client we work with we plant a tree in their name as well as our yearly tree planting to help offset our carbon emissions. Source: https://ukmc.co.uk/carbon-neutral/
“Over 500 5 star reviews”
Source: https://www.trustindex.io/reviews/www.ukmc.co.uk
“We have access to 1,000s of products”
Evidence: UKMC use a sourcing system from the PMS Mortgage Club Panel which gives access to the whole of market. Our sourcing information comes from our CRM system.
“We have access to 100s of lenders”
Evidence: UKMC use a sourcing system from the PMS Mortgage Club Panel which gives access to the whole of market. Our sourcing information comes from our CRM system.
“Lifetime Mortgage Advice”
Evidence: This refers to our payment options. Selecting our lifetime advice fee provides customers with unlimited mortgage advice for their residential property, including any future remortgages. However, this does not extend to any buy-to-let purchases. For further details, please refer to our Terms of Business policy.