STEP ON
tHE LADDER
Looking for a mortgage?
You're in the right place
Assumptions & Disclaimer
2. Over the last 50 years UK property prices have increased on average by 5% per year.
Financing made simple
Finding the right financing isn’t always straightforward. Whether you're buying your first home, moving, refinancing your mortgage or expanding your property portfolio, we’ll guide you every step of the way.
Check your purchasing power with a decision in principle.
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Once you’ve chosen your home, we’ll get your application started
From offer to keys, we’ll make sure your move is seamless.
Mortgage calculator
Wondering what fits your budget? Try our calculator to see how much you could afford and your estimated monthly payments.
Access many more deals
Unlock exclusive mortgage deals that aren’t available on the high street. Uppar provides access to a wide range of options that save you money, time and stress.
Exclusive broker-only rates
More choice, more flexibility
No hidden fees
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Get the mortgage you really need
Every buyer is different and so is every mortgage. Our experts will guide you to the product that truly fits your needs, lifestyle and long-term goals.
Selection tailored to your needs
Quick and simple process
No lengthy paperwork
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Your Adviser at your fingertips
Your dedicated Uppar adviser is always within reach, ensuring you understand your options and receive ongoing support whenever you need it.
Reach out your way - phone or chat, it's up to you
Personal guidance at every step
A friendly team by your side
How Uppar works
WITH
us
Share your goals and circumstances so we can understand your needs and affordability.
YOUR
FORM
We’ll recommend the best product for you and guide you through completing your application.
YOUR
MTG
Your lender reviews everything, and once approved, you’re on your way with your mortgage.
Get the support you need for your personal circumstances
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No hidden fees – guaranteed
Secure and confidential application process
Quick response
FAQs
How can I find out about my mortgage affordability?
You can use Uppar’s online tools to get an instant affordability estimate based on your income, expenses, and deposit. For a more detailed and accurate assessment, our advisers will guide you through a tailored affordability check to help you understand what you can comfortably borrow.
What are the steps to buying a home, from property search to completion?
The journey usually looks like this:
Property search – Find a home that fits your budget and needs.
Mortgage in Principle (AIP) – Get an agreement from a lender to understand your borrowing power.
Make an offer – Submit an offer on the property through the estate agent.
Full mortgage application – Provide documents (income, ID, deposit) and apply for the mortgage.
Valuation & checks – The lender values the property and carries out legal and affordability checks.
Mortgage offer – Receive your official offer once approved.
Conveyancing – Your solicitor handles contracts, searches, and legal paperwork.
Exchange of contracts – Both sides commit legally to the sale, and you pay your deposit.
Completion – Funds are transferred, and you get the keys to your new home!
What is a mortgage in principle (Agreement in Principle)?
A Mortgage in Principle (MIP) or Agreement in Principle (AIP) is a lender’s confirmation of how much they may be willing to lend you, based on your income and credit check. It’s not a guarantee but gives you a strong indication of your budget and helps when making offers on a property. Get in touch to get your MIP.
How can I speak with my mortgage adviser?
You can reach us easily through the online chat on our website, by giving us a call, or by booking a callback at a time that suits you.
How does Uppar get paid?
For homebuyers, Uppar is completely free to use — we’re paid a commission by the lender once your mortgage completes. For buy-to-let mortgages, we also charge a small broker fee, as these cases typically require a bit more time and expertise to arrange.
Who is the team behind Uppar?
Uppar is built by a team of financial market and tech experts who believe getting a mortgage should be simple, transparent, and stress-free. We combine industry knowledge with modern technology to make the process better for everyone.
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IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT.
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