A Mortgage that Suits You!

We understand that buying a home can be a daunting and overwhelming process, but we’re here to make it as smooth and stress-free as possible.

Experience Tailored Mortgage Solutions with Your Dedicated Broker at Manuka Money.

Welcome to Manuka Money, where your mortgage journey becomes an effortless experience tailored exclusively to you. Our distinctive approach revolves around assigning you a dedicated broker who shoulders the heavy lifting on your behalf. No more navigating the complexities alone – our experts manage every detail, leaving you free to focus on your dreams.

At Manuka Money, our personalised service isn’t just about innovative AI, exclusive technology, and search engines; it’s about understanding your unique requirements. We’re committed to your satisfaction, ensuring a smooth, stress-free home buying process. Our transparent guidance leads you through each phase, providing assurance and clarity at every turn.

Release the burden of the mortgage process into our capable hands. Meticulous attention to detail is our forte as we work tirelessly to secure the most advantageous deal for your dream home. Discover the unmatched ease of financial management with Manuka Money – your ultimate destination for all things mortgage.

From an award-winning broker

We Rapidly Search Through Thousands of Mortgages to Uncover the Most Competitive Mortgage for Your Circumstances


Expert advice with no upfront fees.


Mortgages from £50,000 to £100 million.


Whole of market access.


Terms from 3 to 40 years.


Adverse and bad credit considered.


Mortgages with 5% deposit available.


Trusted by 100's of homeowners across the UK.

Your Mortgage in 4 Simple Steps!

Getting to know you

Once you have spent 30 seconds of your time filling in our online form, we’ll spend the time to understand your needs and requirements.

Research and recommendation

We’ll analyse the whole of market to determine the most suitable Mortgage and insurance products to align with your needs. We’ll present to you with comprehensive recommendations that are affordable, suitable and sustainable.

Apply and approval

We’ll sort it all; the advice, the paperwork, the application, dealings with the lender, we handle the stress.  


Life changes but we’ll stay by your side, adapting and refining your mortgage and insurance needs regardless of what life throws your way.

Discover the Insights That Truly Matter!

These real-life experiences offer a glimpse into the world of Manuka Money. Learn first-hand how we've transformed aspirations into reality, providing tailored mortgage solutions and unwavering support.

Frequently Asked Questions

What is a mortgage?

A mortgage is a large loan that’s usually repaid over decades that helps you to buy property such as a home and land. Most of us don’t have enough money to buy a new home from our savings alone. So, a mortgage helps us to get on the property ladder and become homeowners or move up it to secure the home of our dreams, or at least the home we can afford.

How does it work?

Mortgages are directly linked to the property you’re buying. The amount you borrow is a percentage of the property’s valuation. The loan is ‘secured’ against the value of your home until you pay it off. As with most loans, you’ll also pay interest on the money you’ve borrowed.

How much can I borrow with a mortgage?

At manukamoney.co.uk we offer mortgages that range from £10,000 right up to £100 million. To make things even simpler, we’ve built this handy mortgage calculator for you. This is typically a much larger amount than if you were remortgaging which takes into consideration your equity.

Do I need a deposit for a mortgage?

Yes, in most cases. Your new mortgage only provides a percentage of your property’s price, not all of it. That’s where your deposit (also known as a down payment) comes in.

Your deposit pays a portion of the house price value up front, giving you a stake in the property, otherwise known as your equity. The amount of deposit varies (although typically it’s about 5% to 20%). Thanks to your deposit, some of the property will be owned by you.

Lenders often talk about the loan-to-value (LTV) ratio. This is the relationship between the size of the loan (in this instance, your mortgage) and the price of the property. So, if your home is worth £200,000 and you have a £20,000 deposit you’d have 10% equity and an LTV of 90%.

Representative Example for secured loans: based on borrowing £18,000 over 120 months. Interest Rate: 5.5% fixed for 60 months with instalments of £213.33. Followed by 60 months at the lenders standard variable rate of 5.7% with instalments of £214.36. Fees: Broker fee (£1,062); Lender fee (£595). Total amount payable £25,756.4 comprised of; loan amount (£18,000); interest (£6,004.4) including broker fee and lender fee. Overall cost of comparison 7.902% APRC. This means 51% or more of our clients receives this rate or better for this type of product. We have arranged borrowing with rates from 4.9% to 29% APRC which has allowed us to help customers with a range of credit profiles. We are a broker not a lender.

Secured Loans have a minimum term of 36 months to a maximum loan term of 360 months. Maximum APRC charged 29%.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or other debt secured on it.

If you are thinking of consolidating existing borrowing, you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.