Looking to buy your first home in Perth?

Taking that first step onto the property ladder is a big moment, and it’s normal to have a few questions along the way. From understanding how much you can borrow to finding the right mortgage deal, we’re here to make the process easier. Our mortgage advisors in Perth will explain everything clearly, help you work out what’s affordable, and guide you through each stage. Once you’re ready to move forward, we’ll search thousands of mortgage deals to find one that fits your situation. We’ll also sort the paperwork, chase up any delays, and keep things running smoothly right through to the day you get your keys.

Moving home in Perth?

If you’re planning to move to a new home in Perth, knowing how your current mortgage fits into the picture can be a big help. You might be able to move your existing deal with you, or it might make sense to switch to something new. We’ll talk you through both options and explain what’s involved, so you can plan your move with more confidence. Our mortgage advisors in Perth will handle the admin and support you through the whole process, working to keep everything in line with your buying and selling timelines.

Time to remortgage in Perth?

When your mortgage deal ends, your lender will usually move you onto a standard variable rate, and that often means higher monthly payments. That’s why many people look at remortgaging before that happens. We offer straightforward remortgage advice in Perth, whether you’re looking to save money, borrow more, or just want a product that suits your current needs. We’ll check what’s out there, walk you through the steps, and help you avoid any unnecessary gaps between one deal ending and the next beginning.

Buy to Let mortgages in Perth

Thinking about renting out a property in Perth? A buy to let mortgage works a little differently to a residential one, and getting the right setup from the start can make all the difference. Lenders will look at expected rental income, your deposit size, and whether you’re applying personally or through a limited company. Whether it’s your first rental or another addition to your portfolio, we’ll explain how it all works and help you find a mortgage that matches your plans.

Want to learn more about mortgage schemes?

Mortgage schemes can make buying more achievable, but figuring out which ones you’re eligible for, and how they work, can be confusing. From First Homes and shared ownership to Right to Buy, we’ll explain what each scheme involves and check what’s available to you. Our team stays on top of what’s currently running, and we’ll make sure you understand the full picture. If you’re in Perth and wondering if a scheme could help you move forward, we’re happy to talk it through.

Self-Employed and looking for a mortgage in Perth?

Getting a mortgage when you’re self-employed can feel different, mostly because lenders want more detail on your income. Whether you’re a sole trader, a limited company director, or a contractor, we’ll help present your case clearly. We’ve supported many self-employed customers through the mortgage process. We’ll explain what’s needed, go over your documents, and find a lender who understands how your income works, even if it varies from month to month.

Over 60 and thinking about a mortgage in Perth?

Many people assume that age limits your mortgage options, but that’s not always the case. There are lenders who offer products specifically designed for later life borrowing. Whether you’re moving, remortgaging, or looking to release equity, we’ll explain what’s available, from standard mortgages to retirement interest-only products. Our mortgage advisors in Perth will help you explore the options and find something that suits your plans and your lifestyle.

Looking for a mortgage with bad credit in Perth?

If you’ve had credit issues in the past, getting a mortgage might seem difficult, but it’s far from impossible. We work with a wide range of lenders, including those who specialise in helping people with less-than-perfect credit. Whether it’s missed payments, defaults, CCJs, or even bankruptcy, we’ll look at your situation today and help you find a lender who takes a more flexible view. Our mortgage advice in Perth is all about giving you clear, realistic options based on where you are now.

Need a bridging loan in Perth?

If you’re buying a new property before your current one has sold, or need funds quickly to complete a time-sensitive deal, a bridging loan could be worth exploring. These short-term loans are often used to avoid delays in a property chain or secure a deal that needs to move quickly, like an auction purchase. Bridging finance works differently to a standard mortgage, but we’ll talk you through how it all works and help you decide if it’s the right fit for your plans.

How much can I borrow for a mortgage in Perth?

The amount you can borrow depends on several factors, mainly your income, regular outgoings, credit history, and the size of your deposit. Most lenders will typically offer between 4 and 4.5 times your annual salary, though some may lend more if your financial situation is particularly strong. If you’re applying jointly, your combined income will be used to assess affordability. Lenders will also look at your credit commitments and lifestyle costs to make sure you can comfortably keep up with repayments.

What deposit will I need for a mortgage in Perth?

In most cases, you’ll need at least a 5% deposit based on the value of the property you’re buying. So, for a £200,000 home, you’d typically need to put down a minimum of £10,000. If you’re able to save a larger deposit, such as 10% or 15%, you could benefit from better interest rates and lower monthly repayments. Your credit history and whether you’re buying a residential or buy to let property can also influence the deposit required. We’ll talk you through how much you’ll need, and what other options are out there, including gifted deposits or shared ownership, if you’re trying to get started with a smaller savings pot.

Can I get a mortgage with a poor credit history?

Yes, you can. Many people in Perth who have had credit issues in the past have still been able to get a mortgage. We work with lenders who are more flexible and take a wider view of your circumstances. Whether you’ve had defaults, missed payments, or even a previous bankruptcy, we’ll help you find a mortgage that suits your current financial position.

How long does it take to get a mortgage?

After submitting a full mortgage application, it typically takes between two and four weeks to receive a formal mortgage offer. The exact timeframe depends on how quickly documents are reviewed and whether any additional checks are needed. Before that, we can help you arrange a Mortgage in Principle within 24 hours, so you have something to show estate agents and sellers while you search for a property.

What paperwork do I need to apply?

You’ll usually need to provide: Proof of identity (passport or driving licence) Proof of address (utility bill or bank statement) Proof of income (payslips or tax returns) Recent bank statements Details of your deposit We’ll give you a full checklist based on your situation and make sure everything is in order before we submit your application.

Is remortgaging worth it?

In many cases, yes. Remortgaging can help you save money by switching to a better rate or allow you to borrow more for things like home improvements. When your current deal ends, your lender will usually move you onto their standard variable rate which is often higher. Remortgaging can help you avoid that increase. We’ll check what your lender is offering and compare it with other deals to see what’s most suitable for you.

Can self employed applicants get a mortgage?

Yes, and it’s something we deal with regularly. Instead of payslips, lenders will ask for things like tax returns or business accounts to assess your income. Most lenders prefer to see two years of accounts, but some are happy with one. We’ll help you present your income in the most suitable light and connect you with lenders who are experienced with self-employed customers.

What is a mortgage in principle?

A Mortgage in Principle is a document from a lender confirming how much they might be willing to lend you. It’s based on a soft credit check and the information you provide. While it’s not a guarantee, it shows estate agents and sellers that you’re serious about buying. It also gives you a clear idea of what you can afford before you start house hunting.

Why use a mortgage broker in Perth?

As a mortgage broker in Perth, we offer access to a wider choice of deals than most people can get by going direct to a lender. We also save you time by doing all the legwork. From your first appointment to mortgage completion, we handle the research, paperwork, and lender communication so you don’t have to. Our support helps make the whole experience much easier.

Can I get a mortgage if I’m over 60 in Perth?

Yes, you can. There are mortgage options designed specifically for people over 60. These can include standard mortgages, retirement interest-only products, and equity release depending on your goals and circumstances. We’ll explain what each option involves and help you find something that suits your lifestyle and plans for later life.

What’s different about a buy to let mortgage?

A buy to let mortgage is for properties you plan to rent out. Instead of looking mainly at your salary, lenders will focus on how much rent the property is likely to bring in. You’ll typically need a larger deposit than with a residential mortgage, usually at least 20 to 25 percent. We’ll walk you through the requirements and help you find a deal that suits your investment plans.

When would I use a bridging loan in Perth?

A bridging loan is a short-term finance option used to “bridge the gap” between buying a new property and selling your current one. It’s often used when timing is tight, such as buying at auction or securing a property before your own home has sold. We’ll explain how bridging finance works and whether it’s the right solution based on your plans.

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Looking for expert mortgage advice in Perth?

Finding the right mortgage can feel like a big task, but with the right people by your side, it becomes much more manageable.

As a mortgage broker in Perth, our role is to make the whole process as straightforward as possible. We take the time to understand what matters to you, then work to find a mortgage that fits your situation.

Whether you’re buying your first home, planning to remortgage, or need something a little more specialist, we’ll talk through your options in plain terms and stay with you from that first chat through to completion.

Our Customers Rate us 4.9/5

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Speak With a Mortgage Advisor in Perth!

Talking to one of our mortgage advisors in Perth isn’t just about finding a deal, it’s about finding the right one. We’ll learn what’s important to you, explore what’s possible, and explain everything clearly so you’re never left guessing.

We have access to a wide range of mortgage products, from big-name banks to specialist lenders. Whether you’re just starting out or picking things back up, we’ll handle the details so you can focus on what comes next.

Booking an appointment is simple. Choose a time that suits you, and we’ll take care of the rest.

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Facing a complicated mortgage situation in Perth?

Not every mortgage scenareos are straightforward, and that’s perfectly fine. If your situation feels a little more complicated, we’re well used to dealing with cases just like yours.

Whether you’re self-employed, have had credit issues, or you’re buying a property that’s slightly outside the norm, we work with lenders who take a broader view.

Our mortgage advice in Perth is built around you. We’ll take the time to understand the full picture, look at what’s possible, and help you move forward with confidence.

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Important information

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.

Our Customers Love Us

215 5 Star Reviews

Joseph Harros

As first-time buyers, we had very little knowledge of the mortgage process and found it quite daunting, especially with rising interest rates and uncertainty in the property market. We’re extremely grateful to Dinah and Jo for their support and would highly recommend UK Moneyman to any first-time buyer looking for a professional, knowledgeable and supportive mortgage broker.

29 Oct 2026

Jade Wilmot

As first-time buyers, we had very little knowledge of the mortgage process. We changed properties along the way, and our circumstances made the mortgage process more complex than we initially expected. Dinah and Jo were absolutely brilliant throughout. We would definitely recommend UK Moneyman to anyone looking to set up a mortgage.

29 Oct 2026

Diane A

First class service. Jason and Lizzie helped me immensely getting a good mortgage quickly when I found myself separated. They pulled out all the stops and even spoke to me after hours. Excellent and would highly recommend. I can’t thank them enough. I now have my dream home

28 Oct 2026

Chloe Gathergood

Paula and Jason have been so helpful in getting our first mortgage sorted. They were quick to answer any questions and very helpful with their advice. Thank you very much

23 Oct 2026

Rebecca Joy

Leo and Lizzi were exceptionally helpful. Leo gave us great advise, not just on products available, but on things like bidding on properties, whether we were likely to be approved for more complicated properties etc. Lizzi was very communicative and thorough in processing our application, and after our first sale fell through we didn't hesitate to use UK Moneyman again. Thanks so much to Leo and Lizzi!

15 Oct 2026

Callum Kennedy

Very helpful and informative. Made the process as easy as possible. Would recommend to other

14 Oct 2026

Barry Hall

I had a financial issue that I thought was pretty unique to myself. The help and solution to my financial question has been exceptional in every step of the way. A big thank you to Warren and Joe for all of your patience and technical expertise.

14 Oct 2026

Megan Whitlock

The team working with my profile were amazing, I was in constant communication with them, if I emailed and rang someone responded quickly and they were able to secure my mortgage within 6 weeks from my initial meeting which saved me a lot of messing around and stress. Great service thank you

14 Oct 2026

Linda Chadwick

Amazing company very helpful and patient fantastic staff at the Hull branch nothings to much trouble sorted me a morgage out quickly and efficient i would recommend them 100%

14 Oct 2026

Natalie Rose

We’ve had Elaine Tiernan as our mortgage advisor and she has helped us out so much in the process of being approved with our first mortgage. From working around our working hours to arrange phone calls and online teams meetings to being prompt to respond to our enquiries. Elaine has been nothing but helpful, professional and supportive in our journey this far and we are very grateful to have had her as our mortgage advisor. Thank you to Paula aswell for always checking up on us and ensuring the process was as smooth as possible. Natalie and Liam

13 Oct 2026

The video playlist

Enjoy a selection of our YouTube videos we think that you'll find useful.

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The monthly repayment amounts provided by this calculator are for illustrative purposes only. Actual repayments may vary depending on the lender's criteria, fees and terms. Other factors, such as your credit score and individual circumstances, may also affect the final repayment amount. Please use this as a guide only and speak with a mortgage advisor for an accurate figure.

Malcolm's Picks

What Do Lenders Look For On My Bank Statements?

Looking at why lenders need to see your bank statements and what they will be checking for, ahead of granting you a mortgage.

5 mins read

Buying-a-House-From-a-Landlord-Explained

Can I Buy the Property I’m Renting From My Landlord?

It can be easier for a landlord to sell to their tenant than to the open market so they end up giving the tenant the first refusal

4 mins read

How Much of My Mortgage Payment is Interest?

Learn how mortgage payments are divided and the benefits of overpayments to save on interest and shorten your term.

5 mins read

What are My Responsibilities as a Landlord?

Can You Use a Lifetime ISA for a Buy to Let Property?

Using a Lifetime ISA for a buy-to-let isn't allowed, but there are alternatives like buy-to-let mortgages and bridging loans.

3 mins read

Can I Claim ESA If I Have Income Protection Insurance?

ESA can be claimed alongside income protection, but your benefit may be reduced depending on the policy and type of ESA you receive.

4 mins read

What Happens At The End Of An Interest Only Mortgage?

What happens when my interest-only mortgage ends, what are my options? A Lifetime Mortgage, Selling or Inheritance could be helpful.

4 mins read

What can we help you with today?

Reasons to Choose Us

Mortgage Advice in Perth 7 Days a Week

You can speak to a mortgage expert in Perth any day of the week, even on evenings and weekends, so help is there when it suits you best.

Free Initial Mortgage Appointment in Perth

Book a no-obligation appointment with one of our mortgage advisors to get tailored advice.

Paired With a Dedicated Case Manager

From start to finish, you’ll have one dedicated advisor managing everything, making the whole process feel more personal and less stressful.

We're on Your Side, We Work for You!

Our advice is always based on what’s right for you, not what's most suitable for the lender.

Responsive, 5 Star Service

We’re proud to be rated five stars for providing a service that’s fast, friendly, and genuinely reliable.

We Search 1000s of Mortgages

With access to thousands of mortgage deals, we’ll help you find one that fits your needs and circumstances.

Over 20 Years' Experience

Thanks to decades of experience, we know how to navigate the market and find the right mortgage for you.

Support from start to finish

We’re here to support you at every stage, from your first enquiry all the way through to completion.

The Home Buying App

Our Home Buying App is a digital mortgage coach designed to help you save up, plan, and track your home buying journey – whether you’re buying your first home, or fancy a move.

Download For Free

Common Mortgage FAQs in Perth

We Search 1000s of Mortgages in Perth

UKmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.

UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.

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Mortgage Broker in Perth

Looking for expert mortgage advice in Perth?

Speak With a Mortgage Advisor in Perth!

Facing a complicated mortgage situation in Perth?

Important information

The video playlist

What Does a Mortgage Broker Do?

What Deposit Do I Need For a Mortgage?

How Much Can I Borrow For a Mortgage?

What is a Mortgage in Principle?

What Are The Costs of Buying a Property?

How Long Does Mortgage Approval Take?

What Documents Will I Need?

Should I Use a Mortgage Broker Or a Bank?

Fixed Rate vs Variable Rate Mortgages

Repayment vs Interest-Only Mortgages

Can I Get a Mortgage Over The Age of 50?

Do Mortgage Brokers Charge a Fee?

How Do I Remortgage My Property?

Can I Get a Mortgage When Self Employed?

Can I Get a Mortgage With Bad Credit?

What Do Lenders Look For On My Bank Statements?

Can I Buy the Property I’m Renting From My Landlord?

How Much of My Mortgage Payment is Interest?

Can You Use a Lifetime ISA for a Buy to Let Property?

Can I Claim ESA If I Have Income Protection Insurance?

What Happens At The End Of An Interest Only Mortgage?

What can we help you with today?

Looking to buy your first home in Perth?

Moving home in Perth?

Time to remortgage in Perth?

Buy to Let mortgages in Perth

Want to learn more about mortgage schemes?

Self-Employed and looking for a mortgage in Perth?

Over 60 and thinking about a mortgage in Perth?

Looking for a mortgage with bad credit in Perth?

Need a bridging loan in Perth?

Reasons to Choose Us

Mortgage Advice in Perth 7 Days a Week

Free Initial Mortgage Appointment in Perth

Paired With a Dedicated Case Manager

We're on Your Side, We Work for You!

Responsive, 5 Star Service

We Search 1000s of Mortgages

Over 20 Years' Experience

Support from start to finish

The Home Buying App

Common Mortgage FAQs in Perth

How much can I borrow for a mortgage in Perth?

What deposit will I need for a mortgage in Perth?

Can I get a mortgage with a poor credit history?

How long does it take to get a mortgage?

What paperwork do I need to apply?

Is remortgaging worth it?

Can self employed applicants get a mortgage?

What is a mortgage in principle?

Why use a mortgage broker in Perth?

Can I get a mortgage if I’m over 60 in Perth?

What’s different about a buy to let mortgage?

When would I use a bridging loan in Perth?

We Search 1000s of Mortgages in Perth

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