Fee-Free Mortgage Broker
We are a fee-free mortgage broker, providing clear and reliable guidance across a wide range of mortgage needs. Whether you’re a first-time buyer, moving homes, remortgaging or exploring buy-to-let options, our qualified advisers are here to support you with tailored, whole-of-market advice. We take the time to understand your circumstances and offer mortgage solutions that align with your goals — always with transparency and your best interests in mind.
Use our mortgage finder
What do you want to do?
Which type of mortgage?
Are you a first-time buyer or home mover?
Do you need to sell your current home to buy?
Tell us the numbers
Indicative rates
Employment status
Agreement in Principle (AIP) / Decision in Principle (DIP)
Main reason for remortgage
Expected monthly rental income
Ownership type
Portfolio status
Income type (light)
Any major credit issues in the last 6 years?
Your details
What do you want to do?
Which type of mortgage?
Are you a first-time buyer or home mover?
Do you need to sell your current home to buy?
Tell us the numbers
Indicative rates
Employment status
Agreement in Principle (AIP) / Decision in Principle (DIP)
Main reason for remortgage
Expected monthly rental income
Ownership type
Portfolio status
Income type (light)
Any major credit issues in the last 6 years?
Your details
EXCELLENT Based on 15 reviews Posted on M DeshmukhTrustindex verifies that the original source of the review is Google. As a first-time mortgage applicant in the UK, Mandar Kelkar made the entire process effortless. He took the time to understand my requirements, recommended the right solutions, and explained every step in detail before we began, ensuring I was completely clear on the process. Thanks to his thoroughness and guidance, my mortgage approval was smooth and time efficient. Mandar is highly knowledgeable, approachable, and genuinely puts people first. Most importantly, there was no sales jargon—what he promises, he delivers. I’m truly grateful for his support and would strongly recommend Mandar at Square Mortgage Financial Solutions to anyone seeking a transparent, stress-free mortgage experience.Posted on B SHAHTrustindex verifies that the original source of the review is Google. I had a great experience working with Mandar on my remortgage. He was friendly, knowledgeable, and explained everything clearly, making the whole process easy. Communication was great throughout. I’d happily recommend Mandar to anyone looking for mortgage advice.Posted on S SalviTrustindex verifies that the original source of the review is Google. “Mr. Mandar Kelkar was an excellent mortgage advisor. He secured a great rate for me and made the entire process smooth and very easy. His guidance was clear, professional, and stress-free. Highly recommended!”Posted on V ShahTrustindex verifies that the original source of the review is Google. I am very pleased to receive finanace/ mortgage services from Mandar. the journey started from recieving the Mortgate in principle to securing the best interest rate and years, based on the data we submitted. He was very kind to guide us thru the home buying process also and we found him helping, kind and prompt on his services. I wish him good luck for futurePosted on B STrustindex verifies that the original source of the review is Google. I had the pleasure of working with Mr.Mandar to secure my remortgage offer, and I couldn't be more impressed with his service. From the very first consultation, He was very professional, knowledgeable, and incredibly patient in answering all of my questions. Mandar made the entire process seamless and stress-free, providing clear guidance and keeping me updated every step of the way. What really stood out was his dedication to finding the best deal for me, ensuring I understood all my options before making a decision. I truly felt supported throughout the entire process. I highly recommend Mandar to anyone looking for a trustworthy, efficient, and approachable mortgage advisor. Thank you for all your help!Posted on P kumarTrustindex verifies that the original source of the review is Google. Mandar was an exceptional mortgage advisor who made our home-buying journey seamless. From day one, he provided a clear, thorough overview of the UK mortgage process and his role in guiding us, which instantly boosted our confidence. His prompt, friendly support stood out—he was always available to answer questions, no matter how small, and delivered quick, helpful responses. What impressed us most was his proactive approach. Whenever estate agents or solicitors needed additional input, Mandar acted swiftly, ensuring no delays. His professionalism, made every interaction stress-free and productive. For anyone seeking a knowledgeable, reliable, and approachable advisor, Mandar is the perfect choice. A five-star experience—highly recommended!Posted on L STTrustindex verifies that the original source of the review is Google. Mandar(my mortgage advisor) was referred by one of my friend. He is really helpful and guiding me throughout the process which made the entire process stress-free. He was always available to answer any questions I had and he made sure I felt confident and informed at every stage of the process. I highly recommend mandar for anyone looking for mortgage and protection services.Posted on R Varlet-MathonTrustindex verifies that the original source of the review is Google. Mandar has been great from the start. He was very helpful and more than happy to answer any questions throughout the process. He has made getting a mortgage simple and stress free.Posted on S KhareTrustindex verifies that the original source of the review is Google. I received fantastic personalised service from Mandar on my remortgage journey. Highly recommend.Posted on M PowarTrustindex verifies that the original source of the review is Google. I recently worked with Mandar as my mortgage advisor and couldn't be happier with the service he provided. As a first-time buyer on a Tier 2 visa with limited time in the UK, I was concerned about securing a mortgage. Mandar made the process seamless and stress-free. His knowledge and patience guided me through each step, and his expertise in handling cases like mine was invaluable. Mandar was always available to answer questions and made sure I felt confident throughout. His professionalism and dedication gave me peace of mind. I highly recommend Mandar for anyone in need of mortgage advice.Verified by TrustindexTrustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more
Mortgage advice &
Offer process
Initial consultation
Expert Mortgage Guidance
- Discuss your goals and get an overview of your borrowing options.
- Understand the mortgage process and what documents you'll need.
- Receive tailored guidance based on your circumstances and affordability.
Agreement in principle
Understand what you could borrow – without a full application.
- Find out how much you may be able to borrow based on your income and credit profile.
- Strengthen your position when viewing or making offers on properties.
- No obligation – an AIP is not a full mortgage application or final approval.
Mortgage offer
Mortgage support through the process
- We submit your full mortgage application with accurate information after your Decision in Principle.
- Lenders perform necessary checks, including property valuation and affordability assessment.
- We review your mortgage offer with you, explaining all terms, fees and next steps clearly.
Why choose us for your mortgage needs?
01Trusted Mortgage Adviser by Homebuyers
Satisfied clients have trusted us to make their homeownership & remortgaging dreams come true. Our reputation is built on trust, reliability, and delivering results.
02Personalised
Solutions
No two financial situations are the same. We take the time to understand your goals and provide customised mortgage solutions that fit your needs, whether you’re a first-time buyer, refinancing or investing in property.
03Seamless Process
Our streamlined application process makes securing a mortgage easier than ever. From pre-approval to closing, we leverage technology and expertise to ensure a smooth, stress-free experience.
04Dedicated Support
At Square Mortgage, our team is dedicated to providing exceptional customer service, answering your questions, and addressing your concerns quickly and thoroughly.
Your dream home is closer than you think. Let Square Mortgage be your partner in making it a reality. Contact us today to get started!
Services we offer
First Time Buyer
Secure mortgages with ease and confidence
Remortgage
Your key to financial flexibility and savings
Buy To Let
Your gateway to property Investment success
Home Mover
Simplifying your transition to a new home
Our Mortgage Guides
What is an Income Booster Mortgage?
November 14, 2025 Income Booster Mortgages Explained: What Borrowers Need to KnowFor many borrowers, especially
Self-Employed Mortgage Guide
October 15, 2025 Self Employed Mortgage GuideYou can get a mortgage if you are self-employed,
Loan-to-Income (LTI) Explained
September 28, 2025 Loan-to-Income (LTI) Explained: What First-Time Buyers Need to KnowUnderstanding how lenders assess
Interest Rate Changes
August 23, 2025 How Interest Rate Changes Affect Your MortgageInterest rates are one of the
Fixed rate vs. Tracker Mortgage?
July 24, 2025 Fixed rate vs. Tracker Mortgage?When considering a mortgage, you may hear terms
Importance of Getting Pre-Approved (“DIP” or “AIP”)
June 22, 2025 Getting Pre-Approved (“DIP” or “AIP”)?Understand the Importance of Getting Pre-Approved (“DIP” or
How we offer fee free mortgage advice:
We are your trusted mortgage advisor. When we arrange a mortgage for you, we receive a commission from the mortgage lender. While many mortgage brokers charge a fee, typically between £495 and 1% of the loan amount, we choose not to charge our clients any broker fees. We are committed to providing excellent customer service and helping you find the right mortgage deal - potentially saving you both time and money.
Applying through us won’t cost you anything more than going directly to a bank or building society and you’ll benefit from expert advice throughout the process.
Although we don’t generally charge fees for the majority of our customers, we reserve the right to consider charging fees in certain cases. These are credit impaired adverse, company buy to let, visa applicant, mortgages under £250k and complex cases. If we decide to charge a fee we will inform you and obtain your agreement to the amount before you are in any way committed to us.
Some lenders we work with









