Speak to an Advisor 7 days, 8am - 10pm
Speak to an Advisor 7 days, 8am - 10pm
We know that buying a house is a major financial commitment and comprehending the mortgage process can be intimidating. That’s why we offer a speedy and friendly mortgage advice service to help you stay relaxed and get the most suitable deal available.
From the initial research stage to when you have signed the contract and obtained the keys, we’ll be along for the ride. We’ll keep you informed about the progress and make sure you have all the details needed to make the best choice for your personal and fiscal circumstances.
The amount of deposit you need to put down can depend on a variety of factors, such as your credit score and the size of your desired monthly payments. Generally, those with a good credit score can put down around 5%. However, if your credit score is lower, you may have to put down as much as 10-15%.
Plus, you may wish to put down a larger deposit to reduce your monthly payments. The less you borrow, the less you have to pay back. It’s also important to keep in mind that the amount of deposit you need can be affected by the value of the property you’re looking to buy. This means that if you need a bigger mortgage for a more expensive property, you may have to put down a larger deposit.
The mortgage market can be complex and intimidating for first time buyers in Luton, so that’s why using a mortgage broker in Luton can prove invaluable.
We can provide you with advice on the different schemes that are available, such as the Help to Buy Shared Ownership Scheme, the Mortgage Guarantee Scheme, and the First Home Scheme. Our experienced mortgage broker in Luton can help you understand the criteria for each and help you to choose the most suitable one for your individual needs.
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
195 5 Star Reviews
Steve Taylor
Excellent Customer Service from initially Dan who arranged our Lifetime Mortgage. The members of the Admin Team were always friendly and helpful. Special mention to Kerry Bewell for her willingness, post-completion, to help when needed. I would definitely recommend UK Moneyman to others.
6 Jul 2026
Dan
Couldn't recommend more! Conor's service was excellent from start to finish and make the process as easy and smooth as possible especially since we didn't even know where to start.
6 Jul 2026
Eva Elliott
We used money man to help us find a mortgage for our first house nearly 7 years ago. They were brilliant at helping us navigate as self employed people. We are just about to use them for our next house!
1 Jul 2026
Rob Shireby
Chris, Ami and Malcolm are all great people, very good experience.
24 Jun 2026
keith mantle
UKmoneyman helped us to obtain a mortgage.. They are a professional and helpful companywho we would reccomend to anyone seeking a mortgage Regards, Keith & Sandra Mantle
12 Jun 2026
Adam Bateman
Just wanted to comment on the experience I have had dealing with uk moneyman for my re mortgage. The team have been excellent throughout, special shout out to Stacy Waudby who has been a pleasure to deal with and has really been pro-active and helpful. I would definitely recommend them to anybody looking for independent mortgage advice
9 Jun 2026
amber sheridan
Ami has been great. She explained everything clearly and answered all of our questions (silly or not). Communication was great, genuinely couldn't recommend this service or our advisor Ami more.
28 May 2026
Keith Hirst
UK Moneyman have helped with my mortgage and remortgage for many years. Always really helpful and knowledgeable. My latest remortgage was done with Conor, who was great at making sure I was getting not just the best deal, but the right deal for my needs.
22 May 2026
Victor Abrams
I found Warren Bailey to be a very helpful and knowledgeable advisor when I discussed with him the potential options for a retirement mortgage . He had contacted me within a day of my seeking an initial conversation with him , and he reassured me there were lenders out there who would consider a mortgage paid out of pension , despite my own bank nort even talking to me as I was over 70 ! Within a couple days Warren had led me through the onboarding process , had explained what documents were needed and had found me a lender suited to my requirements. An excellent experience, and I would recommend him strongly to people looking for a retirement mortgage, and generally . Victor Abrams
15 May 2026
Julie Brake
We would have given them 20 stars. Both Warren & Lizzi have worked so hard on our behalf, in what has not been the smoothest of circumstances. They have been so professional and kept us updated. Would thoroughly recommend this company. With grateful thanks in getting us our mortgage.
12 May 2026
As a first time buyer in Luton, seeking professional advice from a mortgage broker is a wise decision. With our help, you can find the right mortgage to suit your individual circumstances.
Get in touch today to arrange a free initial consultation and take the first step towards finding the right mortgage for you.
We will assess your financial situation, understand your needs, and find the right mortgage from one of our wide range of lenders.
We can provide you with an agreement in principle within 24 hours of your free initial consultation. This could be a great help when making any offers on property in Luton.
We carry out a mortgage search to ensure that you get the most suitable mortgage product in Luton for your needs. We will take the time to understand your financial situation and look through the thousands of mortgage products available to us.
We are dedicated to finding the most suitable mortgage deal for you and will provide tailored advice to ensure that you get the most suitable product.
Once you have chosen the product that is right for you, we will begin to prepare the mortgage application. We will be on-hand to guide you through the entire process and answer any questions you may have.
When everything is ready, we will submit your application to the lender. Your own personal case manager will stay in contact with you throughout the entire process, providing updates on the progress of your application.
Our mortgage advisors in Luton will be with you every step of the way, from the initial free advice appointment to the completion of your mortgage application.
To get started, simply book your free initial advice appointment online. Our mortgage advisors in Luton will be more than happy to answer any questions you may have.
Our experienced advisors are here to make sure you get the right mortgage for your individual needs and circumstances. We have a panel of lenders so that we can provide you with the most suitable option.
Our advisors take the time to get to know you and understand your needs, so that you can be sure that you get the mortgage that suits you and your budget.
We provide a 7 day-a-week service, including bank holidays and weekends, so you can book your free initial mortgage appointment with us at a time that suits your busy schedule. Even if you can’t make it during normal working hours, we can still provide you with the advice you need.
Getting first time buyer mortgage advice in Luton has never been easier!
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.
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Read our 15 Reviews
Londonmoneyman 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.
© Londonmoneyman 2009–2026
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Londonmoneyman 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.
© Londonmoneyman 2009–2026
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