Your Local Mortgage & Protection Broker
Hi - I'm Amelia Spencer.
I'm an adviser with The Right Broker Limited, and an appointed representative of The Right Mortgage Limited, est. 2015. Regulated by the Financial Conduct Authority.
I never charge for an initial call or consultation and I have flexible working hours including evenings and weekends.
About Amelia
I’m a qualified Mortgage and Protection Broker with The Right Broker Limited; Authorised and regulated by the Financial Conduct Authority with access 90+ Mortgage Lenders, Banks and Building Societies so I can ensure you are matched with the right mortgage for your individual circumstances and goals.
My passion is helping my clients with their homeownership aspirations.
I have two decades of experience within property, sales and mortgages with almost a decade working as a Mortgage Broker; I’ve worked with many first time buyers, home movers and clients just reviewing the market and looking for a better mortgage deal.
I pride myself on doing the right thing for my clients and being honest, so if any deal you have found works out more favourable for you, I will be straight and tell you.
I always encourage potential clients to get in touch, it’s never to early to understand the process and what’s next as a buyer, home mover or someone who might remortgage.
Personalised Advice
Everyone has different circumstances, incomes, employment types, credit files etc. By understanding your personal needs and taking care of the paperwork I can help you tick off your goals in relation to mortgages.
Competitive Mortgages
It’s a mortgage buffet. With access to over 1,000 rates from over 90 banks, building societies and mortgage lenders; it’s about ensuring we select the right mortgage and avoiding unnecessary applications.
Tailored Protection
That’s life insurance, critical illness cover, income protection from a range of top UK insurance providers that have established reputations in the industry, I can offer solutions to keep you and your family financially protected.
How Many Mortgage Lenders?
Pretty much all of them.
In the UK we have banks, building societies and privately funded mortgage lenders.
We have access to more than 90 via The Right Broker.
Each of mortgage lender then has a selection of rates or mortgage deals available for different loan to values; some with fees, some with financial incentives like a free valuation or even cash back. Some deals may only be available for specific clients like professionals or first time buyers. A few might only be available via a broker.
The truth is, if it was as easy as just picking the lowest mortgage rate, advisers like me wouldn’t exist. My role involves sifting through applicant and property criteria/restrictions, calculators and our broker souring system then matching you to the right mortgage for you.
By using an experienced mortgage broker like myself, not only are you likely to save time and money on your purchase or remortgage, but you will avoid multiple mortgage applications in comparison to doing it yourself.
It’s all about doing it correctly and efficiently.
Mortgages: Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.
Big UK banks, your local building society, bespoke mortgage lenders, we got em’
But Amelia, how do you get paid?
Not all brokers will tell you this, but because we do so much of the work and take responsibility for the application from a compliance perspective, the banks benefit financially from using a mortgage adviser. So, yes brokers do get paid a small cut of the loan after completion. The exact amount should be disclosed by your mortgage broker before you decide to proceed with a full application.
As I said, I never charge for an initial consultation.
However finding the right mortgage for your circumstances and needs, conducting research, checking documents and submitting the mortgage can involve a fair amount of work on my end, especially if the mortgage is complicated or specialist, so I do have a fee scale.
My arrangement fee scale, should you decide to process with a full application is one of three amounts; £0, £99 or £199 payable on completion. A typical fee is £99 payable on completion. I don’t charge for arranging insurance.
With me, I will always try to be fair and honest, telling you the costs as early as possible which is usually on the first call or in some circumstances after I have reviewed your documents. You can then decide if you wish to proceed. Once I know the lender and mortgage deal, I will outline the costs of the mortgage with an illustration and make sure you understand the pros and cons of the mortgage before I make a full mortgage application.
Technically, you could ghost me after our first call or even cancel your application all together and I wouldn’t charge you. I have no issues if you change your mind. Of course, any fees that are payable direct the lender, might not be refundable.
If you want to know what your mortgage arrangement fee looks like for you and your circumstances, call or arrange a call on WhatsApp.
Mortgages: Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.
so Amelia, which locations do you cover?
I arrange all types of mortgages in the UK, predominately for clients in England and Wales. With me being fully remote, area isn’t an issue. It really doesn’t matter if you you’re in Thirsk or Flint.
But of course, like anyone I’m more familiar with my local stomping ground;
Stockport
Beautiful Stockport in Cheshire, or is it Greater Manchester? Regardless, I’ve helped local clients in Edgeley, Hazel Grove and all the way up the A6 into Disley, Derbyshire and beyond.
London
Friendlier than your average London Mortgage Adviser, I can help you get on the ladder or compare rates in any zone, from Peckham, C.Wharf to Tower Hamlets and even beautiful Brompton. Did I mention we have Coutts on our panel?
Manchester
O.G. or Relocating to Manchester? I can help establish if your budget so you know what you can afford to buy in area’s like Burton Road, Levenshulme, Old Trafford, Hulme, Chorlton or Salford Quays.
So, what are you waiting for gorgeous?
It’s never “too soon” contact me and ask all your burning Mortgage questions like “What’s the most I can I borrow?” or “How does that phone default I got last year affect the mortgage?”.
You need to answer and I’m happy to help.
No pressure.
If we get on, maybe I can do your mortgage 😉
More Information about…
The Right Broker Ltd
I’m part of the The Right Broker. They’re a team of friendly qualified advisers formed in 2015, based in Solihull regulated by the FCA [also known as the Financial Conduct Authority] and appointed representatives of The Right Mortgage.
Whilst I am only authorised to give advice in relation to mortgages and protection, some of my colleagues are qualified in other areas like private medical insurance, will writing services and home insurance. Assuming it’s suited to your needs and circumstances, they can help arrange these.
Contact Amelia Spencer the Mortgage Broker…
You can’t expected to take steps towards your goals if you don’t know how, and a great place to start is asking an expert.
We can just have an initial informal chat if you like, or fully explore realistic mortgage options that align with your circumstances and needs.
I can arrange all types of mortgage and I’m happy to help, even if you decide you don’t want to go ahead.
I look forward to speaking with you.
www.amelia-the-mortgage-broker.co.uk
Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage.
Privacy & Data Policy
By contacting me on the links above, you agree for us to contact you via phone, email, post or SMS.
Every now and then, we’d like to send you information promoting our services that are relevant to you.
We have systems and controls in place to dispose of data that is no longer necessary.
Privacy & Data Policy Continued…
The necessity of the data being requested- for instance, it is likely necessary to take a phone number for initial contact, it is unlikely that you will need gross annual income. GDPR states that data should only be taken where strictly necessary to perform a task.
We have systems and controls in place to dispose of data that is no longer necessary.
The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK.
About Me & The Right Broker Limited
Amelia Spencer, The Right Broker is an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. The Right Broker Limited is registered in England & wales and registered with Companies House; 09656290.
www.therightbroker.co.uk
Commercial Mortgages, Some Buy to let Mortgage, Wills and Estate planning are not regulated by the Financial Conduct Authority.
About Continued…
Copyright 2025 – Amelia Spencer The Right Broker
Mortgages: Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. A typical fee with Amelia Spencer is £99, and does not exceed £199. This is payable on completion.
However The Right Broker reserve the right to up to £995 for a lifetime mortgages also known as equity release mortgages.