Purchasing a property
with a mortgage
Your journey with Springate Mortgages looks like this:
Got some quick questions?
If you’re not sure where to start or have burning questions, a quick call can make all the difference. We’ll listen to your plans, answer your questions, and give you an idea of your options—all in just 10-15 minutes.
A more in-depth meeting
Our in-depth meeting will guide you through the entire mortgage process, helping you understand how much you can borrow, the deposit needed and your likely monthly payments. We’ll also clarify other costs and any additional experts you may need, leaving you confident about your next steps.
Decision in principle
A Decision in Principle (also called an ‘agreement’ or ‘mortgage in principle’) is a key step when purchasing a property. We’ll check your situation with a lender and perform a credit check which is a ‘soft’ credit check with most lenders -no charge, no risk- giving you clarity and confidence. For remortgaging, this step may not always be necessary.
Full application
Once your offer is accepted on the property you love, it’s time to decide on a few things: how much to borrow, your mortgage terms, which solicitor to use, survey type, and important things like insurance.
Ongoing support
From application to completion, we’ll push your lender for a quick approval and liaise with estate agents, solicitors and surveyors as needed. Plus, we’ll monitor interest rates—if they drop before your mortgage completes, we’ll aim to secure a better deal for you.
Ready to get started?
Our expert advice is designed to save you time, money and hassle.
Book a free consultation today and let us guide you through the mortgage process.