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A mortgage broker is a qualified professional who acts as the link between borrowers (you) and mortgage lenders (banks and building societies). Rather than going to your bank or multiple different banks, a Mortgage broker is someone who can access the deals and systems of lots of different lenders.

We are entirely independent which means we can source the best product for you from the whole of the mortgage market. We have access to the main mortgage lenders, sometimes receive access to special rates from lenders and recommend the best lender for your needs. We will save you time, handle the entire application for you, secure the best rate possible to your circumstances, monitor rates post-application and also guide you on the rest of the buying or remortgaging process too.

Yes. Springate Mortgages is a trading style of Springate Mortgages & Protection Limited, an appointed representative of The Right Mortgage Ltd which is authorised and regulated by the Financial Conduct Authority (FCA). Our permitted business is advising on and arranging mortgages and non-investment insurance contracts.

Absolutely - being declined doesn’t mean you can’t get a mortgage, it usually just means that particular lender wasn’t the right fit. Every lender has different criteria, and what one says no to, another might be perfectly happy with. This is where we come in. We look at your full situation, understand what went wrong, and match you with lenders who are far more likely to say yes. In many cases, it’s just about presenting your application properly and knowing where to go. We’ll guide you through it and give you a clear answer upfront, so you’re not wasting time or getting your hopes up unnecessarily.

We always explain our fees clearly upfront - no surprises, no awkward conversations later. Some cases are straightforward, others take more time and problem-solving behind the scenes, so costs can vary depending on what’s involved. What we can say is that most clients find we save them far more than we cost, whether that’s through better rates, avoiding mistakes, or simply saving a huge amount of time and stress. And importantly, we’ll always be honest about whether you actually need us. If it’s something simple you could do yourself, we’ll say so.

This is usually the first question people ask and the honest answer is: it depends. Lenders look at things like your income, outgoings, existing commitments, and sometimes even your lifestyle. Online calculators can give a rough idea, but they often miss the detail that can make a big difference. We’ll give you a much clearer, more accurate figure based on real lender criteria, not guesswork. That way, you know exactly where you stand and can move forward with confidence, whether you’re just starting out or ready to make an offer.

Yes, and this is exactly where good advice makes all the difference. Self-employed income, bonuses, dividends, or multiple income streams can all be assessed differently depending on the lender. Some are far more flexible than others. We understand how to present your income in the best possible way and know which lenders are more likely to work in your favour. So instead of hitting dead ends, you’re starting in the right place from the beginning.

In most cases, yes - but it’s not just about the rate. As a whole-of-market broker, we can access a wide range of lenders and deals, including options you won’t always find by going direct. But more importantly, we make sure the deal actually fits your situation - not just what looks cheapest on the surface. We also monitor rates between application and completion, which can potentially save you thousands if a better deal becomes available. On top of that, we handle the process, the paperwork, and the chasing, so you’re not left dealing with it all yourself.