Knowledge Base •
The UK House Purchase Mortgage Knowledge Base
Your comprehensive, broker-backed knowledge hub for buying a residential home in the UK. Compare whole-of-market purchase mortgage options across 90+ lenders, evaluate deposit tiers from 5% to 40%, understand conveyancing stages, and unlock specialist borrowing solutions.
Explore Product Pillars:
5% to 40%
Deposit Tiers & LTVs
90+
UK Lenders Compared
£425,000
First-Time Buyer SDLT 0% Band
2 to 4 Wks
Typical Offer Timeline
Explore the 5 Knowledge Pillars
Our specialist commercial lending desk has structured deep-dive market insights across five core pillars below:
Pillar 1
The Basics
Master foundational purchase mortgage rules. Compare deposit tiers from 5% to 25%+, understand freehold versus leasehold differences, and secure an Agreement in Principle (AIP).
Pillar 2
Speed & Process
Navigate the complete home buying process from offer to keys. Follow underwriting timelines, RICS property surveys, legal conveyancing searches, contracts exchange, and completion day.
Pillar 3
Rates & Costs
Budget accurately for all purchase mortgage costs. Calculate Stamp Duty Land Tax (SDLT), Loan-to-Value pricing tiers, lender arrangement fees, surveys, and legal disbursement charges.
Pillar 4
Strategy & Uses
Deploy advanced property purchase strategy methods. Manage property chains, use gifted deposits, navigate auction completions with bridging, and unlock 5.5x professional salary multipliers.
Pillar 5
Advanced Hacks
Leverage insider house purchase hacks to overcome hurdles. Renegotiate post-survey down-valuations, beat gazumping, buy before selling with let-to-buy, and secure urgent fast-track offers.
Specialist Purchase Desk
Buying a Home or Securing a Purchase Mortgage?
Simon Carr, Specialist Finance Expert, and our senior lending desk compare whole-of-market purchase mortgages across 90+ UK lenders. Secure your mortgage offer with total confidence.
Promise Money is authorised and regulated by the Financial Conduct Authority (FCA). Borrowing against property carries risk.
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Meet our specialist team
Learn about our 35 year story >
Steve Walker
Managing Director – 40 years of experience
Founding chairman of the Corporation of Finance Brokers. Specialist in UK residential mortgages, secured loans, and regulated bridging.
Simon Carr
Commercial Director – Proptech
Specialist in complex mortgages, commercial underwriting, and developer finance. Architect of Promise Money’s automated lending tools.