Business Details
10 Years
experience
Your Trusted Mortgage Partner in Warrington
Established in 2016, we are a family-run mortgage brokerage committed to simplifying the home-buying journey for clients across the UK. Our team of experts provides straightforward, jargon-free advice, leveraging access to thousands of mortgage products to secure tailored solutions for first-time buyers, remortgagers, and property investors. As a 100% carbon-neutral business, we prioritise sustainability while maintaining a personal approach that values client relationships over transactional interactions. With offices in Warrington and a nationwide presence, we coordinate directly with solicitors and estate agents to ensure seamless property transactions. Our dedication to innovation is reflected in our digital tools and client portal, which streamline mortgage applications and offer real-time updates.Recognised for our ethical practices, we hold regulatory compliance through the Financial Conduct Authority and maintain transparency in all client communications. Our growth from a small local service to a national brokerage demonstrates our commitment to combining expertise with environmental responsibility, planting trees for every client supported. We differentiate ourselves through a unique blend of market knowledge, customer-centric service, and a pledge to offset all CO2 emissions generated during client transactions.
Services
Fixed-Rate Mortgages
Interest-Only Mortgages
Self-Employed Mortgages
Green Mortgages
First-Time Buyer Mortgages
Remortgage Services
Buy-To-Let Mortgages
Commercial Mortgages
Bridging Loans
Lifetime Mortgages
Details
- Year established: 2016
Highlights and features
- We offer 100% carbon-neutral mortgage services with tree-planting initiatives.
- Our team accesses 1000s of mortgage products to find your best deal.
- We provide jargon-free advice from FCA-regulated mortgage experts.
- We coordinate directly with solicitors and estate agents for seamless transactions.
- We deliver tailored solutions for first-time buyers, investors, and remortgagers.
Associations and certifications
- Financial Conduct Authority
Services
Fixed-Rate Mortgages
Fixed-rate mortgages provide consistent monthly payments for set periods, protecting against interest rate fluctuations. Ideal for budget-conscious homeowners seeking financial predictability. Our advisors match clients with competitive fixed-rate deals tailored to their circumstances.
Buy-To-Let Mortgages
Specialist buy-to-let mortgages cater to property investors seeking rental income. We offer access to landlord-specific products with flexible terms for portfolio growth. Our team provides market insights to maximise investment returns.
Remortgage Services
Remortgaging helps homeowners secure better rates or release equity. We analyse market options to reduce payments or fund home improvements. Our process simplifies switching while maintaining regulatory compliance.
First-Time Buyer Mortgages
Tailored mortgages for first-time purchasers navigating homeownership. We explain schemes like Help to Buy and Shared Ownership. Our guidance covers deposits, affordability, and stress-free application processes.
Green Mortgages
Green mortgages incentivise energy-efficient properties through preferential rates. We connect clients with lenders offering reduced fees for sustainable homes. Our advisors explain eligibility criteria for eco-friendly property financing.
People
Sam
Founder
Sam transitioned from music to mortgages, leveraging family experience to revolutionise home-buying. He leads UKMC's vision for accessible, ethical mortgage advice while maintaining a creative approach to client solutions.
Ray
Head Of Adviser Development
With 30+ years in mortgages, Ray specialises in complex cases and protection strategies. His expertise ensures advisors deliver technically sound recommendations aligned with client financial goals.
Tara
Head Of Operations
Tara oversees operational efficiency, ensuring seamless client journeys from application to completion. Her organisational leadership maintains UKMC's high service standards across all mortgage transactions.
Jon
Senior Mortgage Adviser
Jon applies 25 years of mortgage experience to advise on residential and buy-to-let purchases. His local market knowledge helps clients navigate Warrington's property landscape effectively.
Emma
Marketing Manager
Emma drives UKMC's marketing strategy, creating educational content that demystifies mortgages. She ensures brand messaging resonates with diverse audiences through digital campaigns and client resources.
Questions
What mortgage options exist for first-time buyers?
We offer Help to Buy, Shared Ownership, and 95% LTV mortgages with government-backed guarantees. Our advisors explain scheme eligibility and help maximise deposit assistance.
How can remortgaging save money?
Remortgaging secures better rates, reduces monthly payments, or releases equity. We compare current deals against your existing mortgage to identify savings opportunities.
Do you offer buy-to-let mortgage advice?
Yes, we provide specialist buy-to-let mortgages with competitive landlord insurance options. Our team explains tax implications and portfolio growth strategies.
What makes UKMC different from other brokers?
We combine whole-of-market access with carbon-neutral operations and a personal approach. Our FCA regulation ensures ethical advice while planting trees for every client.
How does the mortgage application process work?
We assess affordability, gather documentation, and search 1000s of products to secure your offer. Our portal provides real-time updates from application to completion.
Can I get a mortgage with bad credit?
Yes, we work with specialist lenders offering bad credit mortgages. Our advisors explain steps to improve eligibility and find suitable products for adverse credit histories.
Reviews (7)
Carla Carr
Dec 19, 2021
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Sam and the team have helped us with a remortgage, a purchase and life insurance this year. They have been absolutely fantastic, offering advice and support through the entire process. We wouldnt go anywhere else now and would 100% recommend them to everyone we know. First class service, super friendly and they take care of every detail.
Samantha Hales
Dec 03, 2021
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Positive:Professionalism
Now on our 3rd mortgage with WMC. Always professional, honest and they go above and beyond to help. Amazing friendly service. We would highly recommend. Keep up the good work guys
Now on our 3rd mortgage with WMC. Always professional, honest and they go above and beyond to help. Amazing friendly service. We would highly recommend. Keep up the good work guys
Katie K.
Dec 03, 2021
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Warrington Mortgage Centre have guided me through my mortgage process brilliantly. All of my questions have been answered quickly and clearly, nothing is too much trouble for them. The staff are extremely knowledgeable about the products they offer, they have carefully listened and considered my requirements to provide the mortgage that is most suitable for my needs. I have felt supported throughout the whole process and cant recommend them highly enough!
Jenny Lewis
Dec 02, 2021
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Positive:Professionalism
Amazing service by Sam and the team at Warrington Mortgage Centre. Sam helped us navigate what mortgage was best for us and explained everything really clearly which was great for us and made the process so much easier. All the team that we had contact with was friendly and helpful. Would definitely recommend.
Amazing service by Sam and the team at Warrington Mortgage Centre. Sam helped us navigate what mortgage was best for us and explained everything really clearly which was great for us and made the process so much easier. All the team that we had contact with was friendly and helpful. Would definitely recommend.
Dean Montandon
Nov 24, 2021
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STOP your search for the right mortgage advisor! My partner and I have found them and they are called The Warrington Mortgage Centre.
Sam and his team are experts at what they do and we couldn't recommend them more. They helped us find the right mortgage at unbelievable rates and was on hand ever step of the way to ensure everything went smoothly and we had nothing to worry about. Thank you WMC team.
Sam and his team are experts at what they do and we couldn't recommend them more. They helped us find the right mortgage at unbelievable rates and was on hand ever step of the way to ensure everything went smoothly and we had nothing to worry about. Thank you WMC team.
James Astley
Nov 21, 2021
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Positive:Professionalism,Responsiveness
I've used Warrington Mortgage Centre for a few years now and they are absolutely brilliant. All of the staff are professional, knowledgeable and are always willing to go above and beyond making it super easy to sort all of your mortgage relates needs. 10/10 would recommend.
I've used Warrington Mortgage Centre for a few years now and they are absolutely brilliant. All of the staff are professional, knowledgeable and are always willing to go above and beyond making it super easy to sort all of your mortgage relates needs. 10/10 would recommend.
Nicole Sharman
Nov 01, 2021
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Positive:Professionalism,Quality,Responsiveness
Very impressed with how Warrington Mortgage Centre handled my re-mortgage. Chris and team did a great job to ensure the smooth transition and took the time to explain my options to me. They were also very responsive to any communications via email or phone. I would highly recommend this company for mortgages.
Very impressed with how Warrington Mortgage Centre handled my re-mortgage. Chris and team did a great job to ensure the smooth transition and took the time to explain my options to me. They were also very responsive to any communications via email or phone. I would highly recommend this company for mortgages.
