UK Moneyman - Mortgage Broker

31/10/2026

What does the 2026 Budget mean for first-time buyers, homeowners and landlords? 🏠

In this video, Malcolm discusses some of the key announcements and what they could mean for the UK mortgage and property market, including:

• Your First Home Scheme – The proposed scheme that could allow first-time buyers to purchase a property with a deposit as low as 2.5%.

• First Time Buyer ISA – What has been announced and what it could mean for those saving towards their first home.

• Buy to Let Changes – The latest tax changes and how they could affect landlords.

Malcolm also shares his thoughts on the lack of stamp duty reform and what these developments could mean for the housing market moving forward.

We'll be keeping a close eye on any further announcements about these schemes and what they could mean for homebuyers, so stay tuned for more updates!

29/10/2026

You’ve agreed a price for a home, then the lender values it for less 💷

What does that mean for your mortgage and the offer you’ve made? A lower valuation can leave you with decisions to make before the purchase moves forward.

We look at what could happen next and the options worth discussing 👇

What a lower mortgage valuation means for your mortgage offer, deposit, mortgage options and your next steps.

28/10/2026

🏡 2026 Budget: New Information About Your First Home Scheme!

The government has announced a new Your First Home Scheme, aimed at helping buyers get onto the property ladder with a smaller deposit.
The scheme shares similarities with the previous Help to Buy scheme, with some key differences:

🏠 At least 2.5% deposit required to buy a home.
💷 20% government equity loan towards the property's value.
📅 Further details expected by December.

It's important to remember that the equity loan is based on a percentage of your property's value, meaning the amount you repay could change depending on its value at the time.

In our latest video, Wayne explains what we know so far and what the new scheme could mean for homebuyers.

🔗 Find out more about the Your First Home Scheme here: https://ukmoneyman.com/your-first-home-scheme/

27/10/2026

Want to stay in the home you love as your needs change? 🏡

Changes to a bathroom, heating system or layout could make everyday life easier.

If you’re considering equity release to pay for the work, it’s worth looking at how it would affect you over time and what other options you may have.

Our guide looks at using equity release for home improvements 👇

See how equity release can help fund home improvements, accessibility changes, and long-term retirement living.

25/10/2026

Could a new-build home save you money after you move in? 🏡

The asking price only tells part of the story. Upfront costs, household bills and future repairs can all affect what you spend.

Developer incentives may make a difference too, though it’s worth checking how they could affect your mortgage.

We look at the potential savings and what to consider before reserving a property 👇

Why buying a new-build home could save you money through lower running costs, developer incentives and mortgage considerations.

24/10/2026

🔒 Mortgage deal ending within the next six months? With the Autumn Budget approaching, now could be a good time to review your options and secure your next rate ahead of time.

Martin Lewis has also recently encouraged homeowners to speak to a mortgage broker sooner rather than later, highlighting the benefits of securing a rate up to six months before their current deal ends.

Arranging a rate early gives you an option if rates rise. If they fall before your new mortgage starts, you may still be able to switch to a lower rate, depending on the lender and product.

We can help you explore your options and plan your next steps.

🔗 https://ukmoneyman.com/remortgage-advice/

23/10/2026

Buying a home in Scotland, England or Wales? 🏡

The mortgage application may feel familiar, though the steps between finding a property and collecting the keys can differ.

What information will you have before making an offer, when does the purchase become legally binding, and which buying schemes apply?

Our guide looks at what to expect in each country 👇

Find out how buying a home differs in Scotland, England and Wales, from legal processes to home buying schemes and mortgages.

20/10/2026

Mortgage offer in place and moving day in sight? 🏡

Home insurance can be easy to overlook while you’re sorting the rest of your purchase. When should cover start, what might your lender need to see, and does buying a flat change things?

Find out what to check before completion 👇

Find out how home insurance fits into the mortgage process and when buildings cover may need to be arranged.

19/10/2026

💐 15 years of Melanie Blanchard – our very own superstar! 💜

Today was a very special day at UK Moneyman as we surprised our wonderful Operations Manager, Mel Blanchard, with some flowers to celebrate 15 years of service! 🎉

Mel holds a very special place in our hearts as she was our very first employee, and what an incredible 15 years it's been!

Affectionately known around the office as 'the fixer of everything' and 'the workflow queen', Mel is quite simply the person everyone turns to when they need something sorting. And somehow, she always manages to find a way! 👑

Over the years, Mel has grown alongside the business, becoming an invaluable part of our management team. Her loyalty, hard work, knowledge and dedication have played a huge part in making UK Moneyman what it is today.

We're incredibly proud of everything Mel has achieved, including her management qualifications, and we're looking forward to making the most of her fantastic leadership skills for many more years to come.

Mel, we really couldn't imagine UK Moneyman without you. Thank you for everything you've done, everything you continue to do, and for putting up with us all for 15 whole years! 😂💜

Here's to many more years of fixing everything and keeping us all in order!

We appreciate you more than you know. 🥂💐

19/10/2026

A warm welcome to Paul Lewis, who has joined us as our newest Protection Advisor! 👏

Paul brings experience in helping customers understand life insurance, critical illness cover, and income protection, with a friendly approach that makes these conversations feel easier.

He’s passionate about helping people understand their options for protecting their family, income, and mortgage. We’re really pleased to have him on the team.

Welcome to UK Moneyman, Paul! 🙌