fixed and variable mortgages

Second Charge Mortgage Case Study: Consolidating Debt Without Losing a Fixed Rate

Marketing No Comments

The Client The clients were a married couple who owned their residential home. The husband was self-employed and the wife worked part time while raising their children. Keeping up with […]

Read More

The Client

The clients were a married couple who owned their residential home. The husband was self-employed and the wife worked part time while raising their children. Keeping up with the cost of running the home alongside their existing credit commitments had become increasingly stressful.

The Scenario

Over time the couple had built up more than £60,000 in unsecured credit, alongside a large outstanding HMRC tax bill. Their disposable income had moved into negative territory, and a standard remortgage was not a realistic option – their existing lender’s early repayment charge would have made switching expensive at exactly the point they could least afford it. They needed a way to consolidate the debt and clear the tax bill without giving up the rate they were already on.

The Solution

We recommended a second charge mortgage, sitting behind their existing first mortgage rather than replacing it. This protected their existing rate in full and meant the early repayment charge never came into play.

We raised £100,000 for the client through a second charge lender willing to consolidate the unsecured credit and settle the HMRC bill in full. As part of the application, the client confirmed what provisions they had put in place to prevent a similar tax liability building up again – a standard requirement on this type of consolidation case.

The Outcome

The second charge reduced the couple’s combined monthly outgoings from £1,400 to £500 – a saving of £900 a month, or £10,800 a year. Their disposable income moved from negative back into a comfortable position, and with the unsecured credit cleared they were left managing just two payments – their original mortgage and the new second charge – instead of juggling multiple separate creditors.

Settling the unsecured credit in full also puts them in a stronger position when they come to remortgage once their current fixed rate ends, since lenders will see a cleaner credit picture than they would have otherwise.

Frequently Asked Questions

What is a second charge mortgage?

A second charge mortgage is a separate loan secured against your property that sits behind your existing mortgage, rather than replacing it.
Your first mortgage continues on its original rate and terms, and the second charge lender is repaid after the first lender if the property is ever sold.

Why choose a second charge mortgage instead of remortgaging?

A second charge protects your existing mortgage rate, which matters most when remortgaging would trigger an early repayment charge.
It also avoids disturbing a deal you may not be able to replace on similarly competitive terms.

Can a second charge mortgage be used to pay an HMRC tax bill?

Yes, lenders will commonly allow funds raised through a second charge to be used to settle a tax bill.
They will usually want reassurance that steps have been taken to prevent a similar liability building up again in future.

Will a second charge mortgage affect my existing mortgage?

No, your existing mortgage and its rate remain completely unchanged.
The second charge is an entirely separate facility, and your first lender is not affected by the new borrowing.

If you have any questions relating to a second charge mortgage, contact us today to speak directly with one of our Mortgage Advisors.

UK Mortgage Broker is a whole-of-market broker directly authorised and regulated by the Financial Conduct Authority. Your home may be repossessed if you do not keep up repayments on your mortgage.

Call: +44 1628 969 500
Email: info@uk-mortgagebroker.co.uk

Contact us

Related Pages

rate

Residential Remortgage Case Study: Raising Funds Against an Unencumbered Property

Marketing No Comments

The Client The clients had a large portfolio of properties in their local area and wanted to raise funds for ongoing purchases and building projects they had lined up. Both […]

Read More

The Client

The clients had a large portfolio of properties in their local area and wanted to raise funds for ongoing purchases and building projects they had lined up. Both applicants were mainly self-employed, with one also having a smaller income from employment.

The Scenario

Most of their portfolio was on fixed-rate buy-to-let mortgages, so raising funds by remortgaging any of those properties would have triggered early repayment charges. Their own residential home, however, was unencumbered with no mortgage at all – making it the most cost-effective route to raise the capital they needed.

The Solution

After gathering the clients’ self-employed tax documents covering the past three years, we carried out a detailed affordability assessment to establish how much they could borrow. Initial figures looked strong, but many lenders also take a client’s existing buy-to-let mortgages into account when assessing a residential application, even where the rental income comfortably covers those mortgages. Some lenders also cap the number of investment properties an applicant can hold before they will consider a further residential loan.

We sourced a lender comfortable with the client’s full portfolio picture, at a competitive rate. The application went from submission to offer in just two weeks.

The Outcome

The funds were released shortly after offer, giving the clients the capital they needed for their ongoing purchases and building projects. We subsequently helped them secure an additional mortgage for the purchase of another buy-to-let property, funded in part by the capital raised against their residential home.

Frequently Asked Questions

Can I raise funds against a residential property I own outright?

Yes, an unencumbered residential property is often the most cost-effective way to raise capital.
With no existing mortgage to disturb, there is no early repayment charge to factor in, unlike remortgaging a property already on a fixed rate.

Why do lenders look at my buy-to-let mortgages when assessing a residential application?

Lenders want to see your full financial picture, not just the property you are borrowing against.
Even where rental income comfortably covers your buy-to-let mortgages, some lenders factor those commitments into their residential affordability assessment, which can reduce what they are willing to lend.

Do lenders limit how many investment properties I can own?

Some do, yes.
Certain lenders set a maximum number of mortgaged properties they will lend to a portfolio landlord, regardless of how strong the application otherwise looks, so matching the case to the right lender matters.

How does being self-employed affect a residential remortgage application?

You will usually need two to three years of tax documents to evidence your income.
Once that is in place, self-employed applicants with a portfolio background are assessed on the same fundamentals as anyone else – affordability, credit history and lender fit.

If you have any questions relating to raising funds against a residential property, contact us today to speak directly with one of our Mortgage Advisors.

UK Mortgage Broker is a whole-of-market broker directly authorised and regulated by the Financial Conduct Authority. Your home may be repossessed if you do not keep up repayments on your mortgage.

Call: +44 1628 969 500
Email: info@uk-mortgagebroker.co.uk

Contact us

Related Pages

shared ownership

Buy-to-Let Remortgage Case Study: Saving £1,500 by Looking Beyond a Product Transfer

Marketing No Comments

The Client The clients had previously switched their former residential property onto a let to buy mortgage, allowing them to raise the deposit for a new home. Their fixed rate […]

Read More

The Client

The clients had previously switched their former residential property onto a let to buy mortgage, allowing them to raise the deposit for a new home. Their fixed rate on that property was due for renewal, so they needed to secure a new mortgage before it expired. Both applicants were in full-time employment with a clean credit history.

The Scenario

With lenders taking longer to process applications and mortgage rates rising, the clients wanted to lock in a rate several months in advance to secure the best deal available. They were not looking to raise any additional capital, which meant both a product transfer with their existing lender and a full remortgage to a new lender were genuinely on the table. Given the wider economic uncertainty, they told us a five-year fixed rate on an interest-only basis would be their preference.

The Solution

We reviewed the product transfer options available through the clients’ current lender, then assessed the whole of the buy-to-let market to see whether switching lenders could do better. A new lender offering a free valuation and free legal service came out ahead – saving the clients more than £1,500 over the five-year term compared with staying on a product transfer with their existing lender.

The Outcome

The application was submitted and the mortgage offer issued within 14 working days, giving the clients a competitive five-year fixed rate locked in well ahead of their existing deal expiring, along with the savings from moving lender rather than defaulting to a product transfer.

Frequently Asked Questions

Is it better to do a product transfer or a full remortgage on a buy-to-let?

It depends on the numbers, and it is always worth checking both before deciding.
A product transfer with your existing lender is often the path of least resistance, but a full remortgage across the whole market can produce a meaningfully better rate, especially where incentives like a free valuation or free legal work are on offer.

Can I lock in a new buy-to-let mortgage rate before my current deal ends?

Yes, most lenders will allow you to secure a new rate several months ahead of your existing deal expiring.
This is particularly useful when rates are rising or lender processing times are slow, since it protects you from further increases while your application is assessed.

What costs are involved in a buy-to-let remortgage?

Costs vary by lender, but many offer incentives such as a free valuation or free legal service to attract remortgage business.
Weighing these incentives against the headline rate is important, since a slightly higher rate with genuinely free legal and valuation costs can still work out cheaper overall.

Why might interest-only suit a buy-to-let remortgage?

Interest-only keeps monthly payments lower, which many landlords prefer for cash flow reasons.
It suits buy-to-let more naturally than residential lending, since the expectation is usually that the property itself, or the sale of it, will repay the capital at the end of the term.

If you have any questions relating to a buy-to-let remortgage, contact us today to speak directly with one of our Mortgage Advisors.

UK Mortgage Broker is a whole-of-market broker directly authorised and regulated by the Financial Conduct Authority. Your property may be repossessed if you do not keep up repayments on a loan secured against it.

Call: +44 1628 969 500
Email: info@uk-mortgagebroker.co.uk

Contact us

Related Pages

fixed and variable mortgages

Semi-Retired Residential Mortgage Case Study: Securing a Repayment Mortgage at 75

Customer Support No Comments

The Client The client was an ex-army veteran who was semi-retired but still working part time for a large supermarket chain. Their spouse was a former housewife in the process […]

Read More

The Client

The client was an ex-army veteran who was semi-retired but still working part time for a large supermarket chain. Their spouse was a former housewife in the process of receiving a pension. After an initial conversation and affordability calculation, the clients were satisfied they could get a new mortgage despite their ages, and began their property search with enthusiasm.

The Scenario

They wanted to sell their existing home, which they owned outright with no mortgage, to move to a more expensive property. Because there was nothing to complete alongside, the property needed to go on the market first. This was back in February 2022, when the market favoured sellers, and they found a buyer within a few short weeks.

“The whole process was daunting, and we did not know if we could even get a mortgage at our age.”

After careful consideration, they decided to move to Wales to be closer to the coast. An offer was accepted on a new property, and they were ready to proceed with the mortgage application.

The Solution

We initially looked at a retirement interest-only mortgage, but most lenders would not take the clients’ earned income into account on that product, and the application would have failed affordability on retirement income alone. The clients also preferred a repayment mortgage for peace of mind.

Most high street and specialist lenders cap the maximum age at the end of the mortgage term when using employed income, typically around 70. For this client, that would have meant a shorter term and monthly payments higher than they wanted to budget for. We approached a senior underwriter at a high street lender who agreed to accept the client’s earned income up to age 75, extending the affordable term and allowing the remainder to be supported by their joint retirement income alone.

The Outcome

This approach meant the clients could secure a longer mortgage term for affordability while sticking to the repayment structure they preferred, rather than being forced into interest-only or a shorter, more expensive term.

Frequently Asked Questions

Can I get a mortgage if I am semi-retired or near retirement age?

Yes, though your options depend on how your lender treats your income.
Many mainstream lenders cap the age at which they will use employed income, but specialist underwriting can often extend this significantly on the right case.

What is a retirement interest-only mortgage and is it right for me?

A retirement interest-only mortgage is assessed on your retirement income alone, which does not suit everyone.
If your earned income is still significant, a standard repayment mortgage using that income may work out more affordable and better suited to your preferences.

What is the maximum age lenders will accept for a mortgage term?

Most high street lenders cap employed income use at around age 70, but this varies.
Specialist underwriters and certain lenders will consider employed income up to a later age on a case-by-case basis, which can make a meaningful difference to the term and monthly payment.

Can earned income be used for a mortgage past age 70?

Yes, with the right lender.
While many lenders stop counting employed income at 70, some will extend this to 75 or beyond where the case is presented properly, which can significantly improve affordability.

If you have any questions relating to a semi-retired residential or buy-to-let mortgage and would like a free quotation or advice, contact us today to speak directly with one of our Mortgage Advisors.

UK Mortgage Broker is a whole-of-market broker directly authorised and regulated by the Financial Conduct Authority. Your home may be repossessed if you do not keep up repayments on your mortgage.

Call: +44 1628 969 500
Email: info@uk-mortgagebroker.co.uk

Contact us

Related Pages

Self-employed mortgage Rightmove house-buying Stamp duty holiday

GP Partner Mortgage Case Study: Approved Without Two Years of Accounts

Marketing No Comments

The Client We recently helped a client buy their first home shortly after they became a partner within a GP practice. The Scenario When you become a partner in a […]

Read More

The Client

We recently helped a client buy their first home shortly after they became a partner within a GP practice.

The Scenario

When you become a partner in a GP practice, you are typically treated as self-employed. A partner takes a share in the profits, and losses, of the practice, rather than being employed on a contract with a basic salary the way a salaried GP would be.

This can create a problem when applying for a mortgage, since lenders typically want at least two years of history in a self-employed role before they will lend. Anything less is generally seen as risky, because self-employed income tends to fluctuate more than salaried income, and lenders want evidence of a sustainable track record before committing. On the face of it, our client would not have been able to get a mortgage having only just joined the practice, without the standard two years of accounts most lenders ask for.

The Solution

This was not the case for our client. As a specialist self-employed mortgage broker, we were able to source a market-leading deal with a well-known high street lender.

Instead of the usual two years of accounts, the lender accepted a letter from either the head partner or the practice accountant, detailing the projected drawings the client was expected to receive for the year, backed up by the practice’s detailed accounts.

The Outcome

We secured an income multiple of 5.5 times income and a loan to value of up to 90% – an excellent outcome that left the client delighted with the result.

Frequently Asked Questions

Can I get a mortgage as a new GP practice partner without two years of accounts?

Yes, some lenders will accept alternative evidence such as a letter confirming your projected drawings.
This is usually backed up by the practice’s own accounts, and specialist lenders are more flexible on this than most high street policies suggest.

How do lenders assess income for newly self-employed professionals?

Most lenders want at least two years of accounts, but exceptions exist for certain professions and structures.
Partnerships, in particular, can sometimes be assessed on projected income backed by third-party confirmation, rather than a full trading history.

What income multiple can self-employed applicants typically borrow?

Most lenders offer four to four-and-a-half times income, though specialist cases can go higher.
With the right lender and a well-evidenced application, income multiples of 5.5 times or more are achievable in the right circumstances.

Do I need two years of self-employed accounts to get a mortgage?

Not always – it depends on your profession and how your income can be evidenced.
Some lenders will consider less than two years of trading history where projected income can be confirmed by a credible third party, such as a practice or business accountant.

If you have any questions relating to a self-employed mortgage, contact us today to speak directly with one of our Mortgage Advisors.

UK Mortgage Broker is a whole-of-market broker directly authorised and regulated by the Financial Conduct Authority. Your home may be repossessed if you do not keep up repayments on your mortgage.

Call: +44 1628 969 500
Email: info@uk-mortgagebroker.co.uk

Contact us

Related Pages

Adverse Credit Remortgage mortgage lenders Halifax Rightmove

Adverse Credit Remortgage Case Study: Approved at 85% LTV Despite a Prior Decline

Marketing No Comments

The Client Our client wanted to remortgage his primary residence, which was currently mortgage-free. He needed to raise funds to buy a new vehicle and to help send his daughter […]

Read More

The Client

Our client wanted to remortgage his primary residence, which was currently mortgage-free. He needed to raise funds to buy a new vehicle and to help send his daughter to university.

The Scenario

The client had already approached several other brokers, none of whom were able to help him. He had recently missed several mortgage and unsecured loan payments over the previous 12 months, giving him what is known as adverse, or bad, credit.

Most lenders will decline a mortgage application outright if there have been any missed mortgage payments within the last 12 months. The client could have waited until those payments were more than a year old, but he needed the funds right away.

The Solution

We started with a well-known high street lender, since they had no specific policy on missed mortgage payments and assessed applications on credit score instead. This case was declined for not meeting the minimum score required, though the lender only ran a soft check, so the client’s credit report was unaffected.

We then approached a lender that specialises in bad credit mortgages for clients who have previously experienced credit problems. This lender approved the application, since the arrears had been paid in full and the client could evidence no missed payments in the previous six months.

The Outcome

The remortgage completed at up to 85% loan to value, releasing the funds the client needed for the vehicle purchase and his daughter’s university costs. Because the declined application never went beyond a soft credit check, it left no mark on his file and had no bearing on the successful application that followed.

Frequently Asked Questions

Can I remortgage with adverse credit?

Yes, specialist lenders exist specifically for clients with adverse credit.
Access to these lenders is usually restricted to applications introduced through a broker, and typically only whole-of-market brokers work with them.

How soon after missing a mortgage payment can I remortgage?

Most mainstream lenders decline outright if a mortgage payment has been missed in the last 12 months.
Specialist lenders take a more flexible view, particularly where arrears have since been paid in full and no further payments have been missed.

Will being declined by one lender affect my credit score?

Not necessarily – it depends on whether the lender ran a soft or hard credit check.
A soft check, which many lenders use for an initial assessment, leaves no trace on your credit file and will not affect a subsequent application elsewhere.

What loan-to-value can I get with adverse credit?

It varies by lender and circumstances, but 85% loan to value is achievable in the right case.
The exact figure depends on how recent and how serious the credit issues were, and how well they can be evidenced as resolved.

If you have any questions relating to an adverse credit remortgage, contact us today to speak directly with one of our Mortgage Advisors.

UK Mortgage Broker is a whole-of-market broker directly authorised and regulated by the Financial Conduct Authority. Your home may be repossessed if you do not keep up repayments on your mortgage.

Call: +44 1628 969 500
Email: info@uk-mortgagebroker.co.uk

Contact us

Related Pages

Residential Remortgage mortgage deals

Interest-Only Remortgage Case Study: Approved on £66,000 Income Despite Probation

Customer Support No Comments

The Client The client was a married couple who owned their residential home, currently subject to a mortgage and two further advances. They wanted to raise funds to clear all […]

Read More

The Client

The client was a married couple who owned their residential home, currently subject to a mortgage and two further advances. They wanted to raise funds to clear all three and free up capital for multiple buy-to-let purchases. The husband was the sole source of income and had started a new job around six weeks before the fact find, still within his probation period. The wife stayed at home to look after their three children.

The Scenario

The clients wanted an interest-only residential mortgage. This immediately raised several obstacles. Most lenders require enough equity in the property to treat its eventual sale as an acceptable repayment strategy for a full interest-only loan. On top of that, minimum income requirements for interest-only lending typically start around £75,000 for a single applicant or £100,000 joint – the husband’s £66,000 income sat below that threshold. Three dependents on a single income also raised affordability concerns with most lenders, and the recent job change, still within probation, added a further complication.

The Solution

A part and part mortgage – part interest-only, part capital repayment – fitted the case well, though only one lender on the panel offered this structure with the flexibility needed here. This lender accepted the £66,000 income, did not treat the three children as a barrier to affordability, and was comfortable with the client being newly employed and still in probation.

The lender also allowed up to 60% loan to value on the interest-only portion, plus a further 15% on repayment, for a combined 75% LTV. Their approach to equity was more flexible than most: rather than a fixed minimum, they used a tool based on average property values in the area to calculate the equity needed at the end of the term. The full 75% balance did not meet that figure on its own, but once the repayment portion is paid down over the term, the remaining equity does meet it – the structure works because the interest-only and repayment elements are assessed together over the life of the mortgage, not just at the outset.

The Outcome

The clients secured the part and part mortgage, clearing the existing mortgage and both further advances while releasing capital for their planned buy-to-let purchases – achieved despite an income below the usual interest-only threshold, three dependents on one income, and a recent job change still within probation.

Frequently Asked Questions

Can I get an interest-only mortgage with less than £75,000 income?

Yes, though most mainstream lenders will decline below that threshold.
A small number of specialist lenders assess interest-only and part and part cases individually, and will consider lower incomes where the rest of the application is well evidenced.

Does being in a probation period affect a mortgage application?

It can with some lenders, but not all.
Some lenders decline applicants still in probation on a new role. Others will proceed as long as the income is stable and evidenced properly, so lender selection matters here.

How do lenders assess the equity needed for an interest-only mortgage?

Most set a fixed minimum equity figure that must remain at the end of the term.
Some lenders take a more flexible approach, calculating the figure against local average property values rather than applying the same fixed requirement to every case.

Do children as dependents affect mortgage affordability?

They can, but not automatically or with every lender.
Dependents are factored into affordability calculations, but how heavily they affect the outcome varies significantly between lenders.

If you have any questions relating to an interest-only or part and part residential mortgage, contact us today to speak directly with one of our Mortgage Advisors.

UK Mortgage Broker is a whole-of-market broker directly authorised and regulated by the Financial Conduct Authority. Your home may be repossessed if you do not keep up repayments on your mortgage.

Call: +44 1628 969 500
Email: info@uk-mortgagebroker.co.uk

Contact us

Related Pages

mortgage

First-Time Buyer Case Study: Mortgage Approved on a PhD Stipend

Marketing No Comments

The Client The clients were a couple looking to purchase their first home. One partner was leaving employment to take up a research position, furthering their qualifications and long-term earning […]

Read More

The Client

The clients were a couple looking to purchase their first home. One partner was leaving employment to take up a research position, furthering their qualifications and long-term earning potential. This meant they would no longer have an earned income for the duration of their studies.

The Scenario

With only one income remaining, the couple could not afford a property in their area. The client pursuing further study was due to receive a non-taxable stipend to support their research, but several banks had already turned the couple away, saying they could not accept this type of income at all.

The Solution

We secured the clients a mortgage with a high street bank on a low, fixed five-year rate. The lender was willing to accept the stipend income, taking the view that the client’s job prospects and future earnings would improve significantly once qualified, reducing the long-term risk of lending against a temporarily reduced income.

The Outcome

The clients had expected to rent for the full three years of the research programme. Instead, they are now settled in their new family home. This case shows the value of working with a whole-of-market residential mortgage broker with the reach to find lenders willing to work with non-standard incomes and arrangements that high street banks decline outright.

Frequently Asked Questions

Can I get a mortgage if my income is a PhD stipend or studentship?

Yes, though not every lender will accept this type of income.
Some high street lenders decline stipend income outright, while others will consider it, particularly where future earning potential is strong once the qualification is complete.

Will lenders accept non-taxable income for a mortgage?

Some will, though it depends on the lender and how the income is evidenced.
Non-taxable income such as a research stipend still needs to be documented clearly, and not every lender’s policy allows for it.

Does a temporary drop in income during study affect mortgage eligibility?

It can, but a strong future earnings case can offset this with the right lender.
Lenders willing to consider this type of case often look at the qualification being pursued and what it is likely to lead to, not just the income during the study period itself.

Why would a bank decline standard income types like a stipend?

Many mainstream lenders only have policies built around salaried or self-employed income.
A stipend does not fit either category cleanly, so automated criteria often reject it even where the underlying case is strong – this is where manual underwriting and lender selection make the difference.

If you have any questions relating to a mortgage with non-standard income, contact us today to speak directly with one of our Mortgage Advisors.

UK Mortgage Broker is a whole-of-market broker directly authorised and regulated by the Financial Conduct Authority. Your home may be repossessed if you do not keep up repayments on your mortgage.

Call: +44 1628 969 500
Email: info@uk-mortgagebroker.co.uk

Contact us

Related Pages

HNWIs

Buy-to-Let Case Study: When a Whole-of-Market Broker Succeeds Where Others Give Up

Marketing No Comments

The Client The client came to us after being declined by a lender for a buy-to-let property they were looking to purchase. Their previous broker, referred to them by their […]

Read More

The Client

The client came to us after being declined by a lender for a buy-to-let property they were looking to purchase. Their previous broker, referred to them by their estate agent, worked with a closed or restricted panel of lenders and was unable to find an alternative.

The Scenario

Many brokers work with only a limited panel of lenders and cannot approach the wider market, which restricts their knowledge in more specialist cases. This client had given up hope of proceeding with the purchase, and was seriously considering giving up on buying an investment property altogether.

The Solution

As a whole-of-market mortgage broker with access to the full range of UK lenders, including specialist lenders a restricted-panel broker would never reach, we completed a full fact find with the client to understand their exact circumstances. From that, we were confident we could help them proceed with their buy-to-let purchase, and arranged a mortgage that got the case moving again.

The Outcome

The client’s buy-to-let purchase completed successfully. Off the back of that experience, we went on to help their son and daughter arrange their own residential mortgages, a direct result of the service and flexibility the family experienced in finding a solution to a case another broker had already given up on.

Frequently Asked Questions

Why might one lender decline a buy-to-let application that another lender would accept?

Every lender sets its own criteria, and a case that falls outside one lender’s policy can fit comfortably within another’s.
This is one of the most common reasons applications get declined even when the underlying case is sound.

What is the difference between a whole-of-market broker and one with a restricted panel?

A whole-of-market broker can approach the full range of UK lenders, including specialists. A restricted-panel broker can only offer products from a limited list.
This matters most on cases that do not fit standard high street criteria.

What happens during a mortgage fact find?

A fact find is a detailed review of your circumstances, income and requirements before any application is submitted.
It is how a broker identifies which lenders are genuinely likely to accept a case before anything is put in front of them.

Can a broker help if I have already been declined for a buy-to-let mortgage?

Yes, a decline from one lender does not mean the case cannot be placed elsewhere.
A different lender, or a different way of presenting the same case, can produce a very different outcome.

If you have any questions relating to a buy-to-let mortgage, contact us today to speak directly with one of our Mortgage Advisors.

UK Mortgage Broker is a whole-of-market broker directly authorised and regulated by the Financial Conduct Authority. Your property may be repossessed if you do not keep up repayments on a loan secured against it.

Call: +44 1628 969 500
Email: info@uk-mortgagebroker.co.uk

Contact us

Related Pages