Business Details
10 Years
experience
Your Trusted Mortgage Broker in Warrington
We are a family-run mortgage brokerage established in 2016, dedicated to providing expert, straightforward advice to homeowners across the UK. Our journey began in a small office in Warrington, and we have since expanded to serve clients nationwide, combining local expertise with a national reach. Our team of experienced professionals specialises in navigating the complex mortgage market to secure the best deals for our clients, whether they are first-time buyers, remortgagers, or property investors. We pride ourselves on our personal approach, treating mortgages not just as transactions but as key steps toward homeownership.As a 100% carbon-neutral company, we are committed to sustainability, offsetting all CO2 emissions and planting trees for every client we assist. Our dedication to transparency, client satisfaction, and ethical practices has earned us the trust of hundreds of homeowners, and we continue to innovate and grow while maintaining our core values of simplicity, expertise, and environmental responsibility.
Services
Residential Mortgages
Buy-to-Let Mortgages
Remortgages
Commercial Mortgages
Bridging Loans
Development Finance
Refurbishment Finance
Bad Credit Mortgages
Later Life Lending
Expat Mortgages
Details
- Year established: 2016
Highlights and features
- We offer expert mortgage advice with a personal, stress-free approach.
- Our team has over 20 years of combined experience in the mortgage industry.
- We are 100% carbon neutral, offsetting all CO2 emissions.
- We provide nationwide service with local expertise in Warrington.
- We access thousands of mortgage products to find the best deal for you.
Services
Residential Mortgages
We specialise in residential mortgages, helping first-time buyers and existing homeowners secure competitive rates. Our team analyses thousands of products to find tailored solutions, ensuring affordability and long-term value. With expert guidance, we simplify the process from application to completion.
Buy-to-Let Mortgages
Our buy-to-let mortgages cater to property investors seeking optimal returns. We provide access to specialist lenders and schemes, offering advice on portfolio growth, tax efficiency, and rental income maximisation. Our support extends to both novice and experienced landlords.
Remortgages
We help clients remortgage to save costs or release equity. By reviewing market deals and assessing individual circumstances, we secure competitive rates without unnecessary fees. Our service includes managing paperwork and liaising with solicitors for a seamless transition.
Commercial Mortgages
Our commercial mortgages support businesses acquiring or refinancing property. We connect clients with lenders offering flexible terms for retail, office, or industrial spaces. Expert advice covers loan structuring, affordability assessments, and compliance with regulatory requirements.
Bridging Loans
We provide bridging loans for urgent property purchases or renovations. These short-term solutions offer quick access to funds, ideal for auction purchases or chain breaks. Our team ensures clear terms and timely disbursement to meet critical deadlines.
People
Sam
Founder
Sam founded UK Mortgage Centre after a career in music, driven by a family legacy in mortgages. He focuses on innovation and client experience, ensuring a stress-free journey for homeowners nationwide.
Ray
Head Of Adviser Development
With over 30 years in mortgages, Ray specialises in helping homebuyers and landlords. His expertise ensures clients receive tailored advice, leveraging deep market knowledge and strategic partnerships.
Charlotte
Head Of Accounts
Charlotte oversees financial processes and client protection, ensuring transparency and compliance. Her problem-solving skills guarantee smooth transactions and client confidence in their mortgage decisions.
Tara
Head Of Operations
Tara manages operational efficiency, coordinating teams to deliver seamless client experiences. Her organisational skills ensure timely completions and consistent service quality across all mortgage journeys.
Ben
Head Of Sales
Ben drives sales strategy and team performance, focusing on growth and client satisfaction. His leadership ensures competitive offerings while maintaining UK Mortgage Centre's commitment to ethical practices.
Questions
Why choose UK Mortgage Centre?
We offer expert, jargon-free advice with a personal approach, access to thousands of mortgage products, and a commitment to carbon neutrality.
What is a mortgage broker?
A mortgage broker connects you with lenders offering the best rates and terms, saving time and ensuring tailored solutions beyond what a single bank can provide.
What can I borrow?
Most lenders offer 4-4.5 times your annual income, minus outgoings. Schemes may increase borrowing potential based on individual circumstances.
How do I get a mortgage?
Contact us for a free consultation. We assess your finances, identify suitable deals, and guide you through documentation to secure an offer.
Do you offer commercial mortgages?
Yes, we provide commercial mortgages for businesses purchasing or refinancing property, with access to specialist lenders and flexible terms.
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