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First-Time Buyer Mortgage Advice

Buying your first home doesn’t have to feel overwhelming — we’ll guide you every step of the way.

Re-mortgaging Made Simple

Switching deals, releasing equity, or just reviewing your options — we’ll guide you every step of the way.

Buy-to-Let Mortgages

Switching deals, releasing equity, or just reviewing your options — we’ll guide you every step of the way.

Looking to invest in a property or become a landlord? We're here to guide you through it.

Feeling unsure where to start? You’re not alone.

Buying your first home is exciting — but it can also feel confusing and stressful.

That’s where we come in.

 

We’ll help you:

  • Understand how much you can borrow

  • Work out what you can comfortably afford

  • Explain the whole process in simple terms

  • Find the right mortgage for your situation

  • Support you from start to finish

 

Why choose ML Money?

We work for you — not the lender.

With access to mortgages across the market, we’ll make sure you understand your options and feel confident in your decisions.

 

Our approach

Friendly, honest advice with no jargon — just clear guidance so you feel in control every step of the way.

 

 Book your free first-time buyer consultation

When should you consider re-mortgaging?

  • Your current deal is ending

  • You want to reduce your monthly payments

  • You’d like to release equity from your home

  • You’re planning home improvements

  • You want to consolidate existing debts

 

Why speak to us?

With access to lenders across the market, we’ll help you:

  • Find a deal that suits your current situation

  • Avoid moving onto your lender’s higher standard rate (SVR)

  • Understand all your options clearly and confidently

 

Our approach

We take the time to understand your circumstances and recommend what’s right for you — not what’s easiest for the lender.

 Book your re-mortgage review today

Thinking about buy-to-let?

Whether you’re buying your first investment property or looking to expand with a straightforward purchase, we can help you understand your options and move forward with confidence.

 

We’ll help you:

  • Understand how buy-to-let mortgages work

  • Work out how much you could borrow

  • Find a lender suited to your situation

  • Keep the process simple and stress-free

 

Who we work with:

We specialise in supporting:

  • First-time landlords

  • Single property buy-to-let purchases

  • Straightforward investment cases

(We do not currently advise on portfolio or limited company buy-to-let mortgages.)

 

Our approach

Clear, honest advice focused on what’s right for you — helping you make informed decisions without the jargon.

 

Book your buy-to-let consultation

Your home may be repossessed if you do not keep up repayments on your mortgage
Most Buy-to-Let mortgages are not regulated by the Financial Conduct Authority

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©2026 by ML Money. 

ML Money The Courtyard, 225 Denby Dale Road, Wakefield, WF2 7AJ

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
ML Money is a trading name of Melissa Wilcock Limited who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Ltd. First Complete Ltd is authorised and regulated by the Financial Conduct Authority. Melissa Wilcock Limited is registered as a limited company in England and Wales (13348336) at The Courtyard, 225 Denby Dale Road, Wakefield, WF2 7AJ

The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.

A mortgage broker fee is dependent on the complexity of the case and will be agreed at the outset. A typical fee is £295 and is payable upon application. We may also receive a procuration fee from the lender once your mortgage completes. This does not effect the advice we provide, and we always act in your best interests. 

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