Whether you’re buying your first home, moving house or looking for a better deal through a remortgage, getting a mortgage can be complicated!
Having the right guidance can help you secure the most suitable mortgage, making your journey smoother and more straightforward.
Our team of experienced mortgage advisors in Milton Keynes are here to support you every step of the way.
Our Customers Rate us 4.9/5
It’s never been easier to get mortgage advice in Milton Keynes. You can schedule a date and time for your free mortgage appointment online – making the first step easy and simple!
Our team are available 7 days a week, offering appointments that fit around your work and personal life
Book your free mortgage appointment today and get expert advice tailored to your situation.
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Not every mortgage application is straightforward. If you have a complex income, previous credit issues, or an unusual type of property, securing a mortgage can feel like a challenge – but there are still options available.
As a mortgage broker in Milton Keynes, we specialise in helping people overcome complex mortgage hurdles. We’ve been helping customers for over 20 years now, we are experts in this field!
Even if you’ve had your application declined by a mortgage lender, it does not mean that you cannot look elsewhere. There may be a specialist product out there for you.
Explore 1000s of Mortgage Options
Our Customers Love Us
3,500+ 5 Star Reviews
Derek
They were great when handling our mortgage application even though it was a bit different to the normal one. Highly recommended
3 days ago
Michelle
The team at UK Moneyman have been excellent, really informative, providing sound advice with no judgement and supporting the best possible way forward for myself. I would definitely use the team again, they’ve made the whole process simple and...
2 weeks ago
Lawrence
Great company to work with, very helpful and excellent communication. Chris and Jo did a great job with our application. I highly recommend.
2 weeks ago
Gemma
Excellent speedy service and always available to work around the best times for us, including calls at weekends
1 month ago
Gillian
Having dealt with Leo previously I knew I would be getting a brilliant service and a good deal.
1 month ago
Karen
Very helpful.Quick response to any questions or concerns. Selected the right product to meet our requirements.
1 month ago
Stephen
We went to the Moneyman to start with regarding a new mortgage only which went really smoothly and everything was explained in simple terms at our request Malcom made it feel at ease . Once i had the confidence with them we asked them to help with...
1 month ago
Buying your first home is an exciting step, but with so many mortgage products available, knowing where to start can feel overwhelming. As a first time buyer in Milton Keynes, you’ll need to think about your deposit, mortgage affordability, and the best deals available.
Most lenders require a minimum 5% deposit, but a larger deposit (10-15%) can unlock better interest rates. If you’re self employed or have a variable income, lenders may ask for additional documentation.
Our mortgage advisors in Milton Keynes can help you understand your affordability, secure an agreement in principle and find the most suitable lender.
If you’re moving to a new home in Milton Keynes, securing the right mortgage is just as important as finding the right property. You may need a larger mortgage if you’re upsizing, or you might be looking for a better deal when downsizing.
If you already have a mortgage, you might be able to port it to your new home, keeping your current deal in place. If porting isn’t an option, applying for a new mortgage may be the better route.
Our mortgage advisors in Milton Keynes will guide you through your options and help you find the most suitable mortgage for your move.
Remortgaging can help you secure a better rate, lower your monthly payments or release equity. If your fixed-rate deal is ending, switching before your lender moves you to their standard variable rate (SVR) could save you money.
Some homeowners remortgage to borrow additional funds for home improvements, debt consolidation, or other financial goals. Whatever your reason, our mortgage advisors in Milton Keynes can compare 1000s of deals to find the most suitable option for you.
If you’re looking to invest in property, securing the right buy to let mortgage is crucial. Whether you’re buying your first rental property or adding to an existing portfolio, lenders will assess your rental income and deposit size before offering a deal.
Most buy to let mortgages require a 25% deposit, and some landlords choose to apply through a limited company for tax benefits.
As your mortgage broker in Milton Keynes, we can help you find the most suitable lender for your investment goals.
There are several mortgage schemes designed to make homeownership more accessible, whether you’re a first time buyer or looking for an alternative route onto the property ladder.
Understanding which schemes you qualify for and how they work can be complex. As a mortgage broker in Milton Keynes, we can help you explore these options and find the most suitable route to homeownership.
If you need short-term property finance, a bridging loan could be the solution. These loans are commonly used to buy a new property before selling an existing one, purchase an auction property, or fund renovations that a standard mortgage wouldn’t cover.
Bridging loans are typically secured against property and can be arranged quickly, making them ideal for time-sensitive transactions. Our mortgage brokers in Milton Keynes can help you explore the best options available.
If you’re self employed, getting a mortgage can sometimes feel more difficult. Lenders assess applications differently, focusing on income stability and trading history rather than a fixed salary.
Most lenders require two years of accounts, but some will consider one year’s trading history if your income is strong.
As your mortgage broker in Milton Keynes, we can help find lenders who understand self-employed income structures and find the most suitable deal for you.
If you’re over 60 and looking for a mortgage, there are several options to consider. Whether you want to remortgage, release equity, or move to a new home, later-life mortgages can help.
A mortgage broker in Milton Keynes like us can help you explore the most suitable later-life mortgage for your needs.
If you have a low credit score, missed payments or past defaults, securing a mortgage can feel more difficult – but it’s not impossible. Some lenders offer bad credit mortgages designed for applicants with CCJs, IVAs or bankruptcy history.
A larger deposit (typically 10-15%) may improve your chances, and some lenders will consider your application if your financial situation has improved.
Getting mortgage advice in Milton Keynes can help you find specialist lenders who may accept your circumstances.
Speak to an expert at a time that suits you, including evenings and weekends.
Get expert guidance with no upfront costs.
Stay updated with one point of contact throughout the process.
We search for the best mortgage to suit your needs, not the lender’s.
Our clients rate us highly for our efficiency and personalised support.
Access deals from a wide range of lenders, including specialist products.
Our mortgage advisors in Eastbourne have decades of industry knowledge.
We’re with you every step of the way, from application to approval.
The deposit amount required depends on your mortgage type, credit history, and lender criteria. For most standard residential mortgages, you’ll likely need at least a 5% deposit, meaning if you’re buying a £250,000 home, you’ll need at least £12,500 saved.
If you’re applying for a bad credit mortgage or are self employed with irregular income, lenders may ask for a larger deposit, typically 10-15%. For buy to let mortgages, a minimum 25% deposit is usually required.
There are also government schemes to help buyers with lower deposits, such as Shared Ownership and the Lifetime ISA, which can boost your savings with a 25% government bonus.
Getting mortgage advice in Milton Keynes can help you find the most suitable mortgage based on your deposit size.
The time frame varies, but most mortgage applications take 2 to 6 weeks to be approved, depending on your lender, financial situation, and property type.
Having all necessary documents ready, such as ID, bank statements, proof of income, and credit history, can help speed up the process.
A mortgage broker in Milton Keynes like us can ensure everything is in place to avoid unnecessary delays.
There is no universal minimum credit score for mortgages, as each lender has its own criteria.
Generally, a higher credit score increases your chances of getting a better deal. If you have a lower score, specialist lenders may still offer mortgage options, though you may need a larger deposit and could face higher interest rates.
A mortgage broker in Milton Keynes like us can help find the right lender for your situation.
When applying for a mortgage, you’ll typically choose between:
Each option has pros and cons, and a mortgage advisor in Milton Keynes can help you determine which works best for your circumstances.
Yes, but it may depend on your employment type and how long you’ve been in the role.
Some lenders require at least three to six months in your current job, while others may accept applications from those who have just started – especially if you’re in the same industry.
If you have a signed employment contract with a confirmed start date, this can also help your application.
A mortgage broker in Milton Keynes like us can help you find lenders who are flexible with new employment situations.
Yes, many lenders accept gifted deposits from close family members, such as parents or grandparents.
The person gifting the deposit must provide a gifted deposit letter, confirming the funds are a gift, not a loan.
Some lenders have restrictions on who can gift a deposit, so it’s worth checking with a mortgage advisor in Milton Keynes before proceeding.
Yes, remortgaging to consolidate debts is an option, allowing you to combine existing loans, credit cards, or other debts into your mortgage.
This can lower your overall monthly payments, but it’s important to consider the long-term impact, as you’ll be spreading the repayments over the full mortgage term.
A mortgage advisor in Milton Keynes can help you weigh up whether this is the right choice for your financial situation.
Banks can only offer their own mortgage products, meaning you may not get the best deal available.
A mortgage broker in Milton Keynes searches across multiple lenders, including high-street banks, specialist lenders, and exclusive broker-only deals, giving you access to a wider range of mortgage options.
Additionally, a mortgage broker in Milton Keynes like us handle all the paperwork, negotiate with lenders, and provide tailored advice based on your individual circumstances.
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