- 6, Mill House, Carre Street, Sleaford, Lincolnshire NG34 7TW
- info@spolton.mortgage
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Helping buyers and homeowners across Lincolnshire find the right mortgage and insurance with clear, honest advice and free, no-obligation consultations.
From first-time buyers and remortgaging to buy-to-let and complex mortgage cases, we offer clear advice on every type of mortgage. Our goal is simple, to match you with the right mortgage deal for your needs.
Life cover, income protection, critical illness, home and family protection, we help you safeguard your mortgage and your loved ones with clear, independent insurance advice.
We understand that you may not know what type of mortgage you need; that’s why we offer a FREE mortgage consultation.
In this short informal chat, we get to know a little more about you and your current circumstances; we will then advise you on the next steps to take.
Whatever your financial aspirations, we have the mortgage expertise to help you achieve your property goals so that you can spend time doing the things you enjoy.
Not constrained to any one mortgage lender, our mortgage advisers search the whole mortgage market to find the best mortgage for you. However, before we even get to any mortgage advice, we ensure we understand your circumstances and needs.
Only then do we start to offer our mortgage advice and recommend suitable mortgage and insurance products for your personal needs.
Spolton Mortgages is a family mortgage broker business founded by Nick and Kasia Spolton.
From our office in Sleaford, we provide mortgage and mortgage protection advice across Lincolnshire.
Well-known, and respected for providing trusted mortgage advice, we started by helping people find mortgages in Lincoln, Sleaford, and throughout Lincolnshire.
With years of mortgage experience and a no-nonsense approach, we’re here to make the mortgage process simple and stress-free.
Dedicated to providing trusted mortgage advice, we believe financing your home should be exciting and stress-free. Here’s just some of the lenders we work with;
We access the whole of the mortgage market to find the best mortgage to suit your needs.
For many people, yes. A mortgage broker can save you time, reduce stress, and help you avoid costly mistakes. Brokers don’t just compare rates – they assess lender criteria, affordability rules, and how your circumstances will be viewed by different lenders. This is especially valuable for first-time buyers, self-employed applicants, people with complex income, or anyone wanting reassurance that they’re choosing the right mortgage, not just the cheapest headline rate.
The main downside can be the fee, as some brokers charge for their advice. However, not all brokers work the same way. A good broker will be transparent about costs upfront and explain the value they add. The real risk isn’t using a broker – it’s using the wrong one. A poor broker may have limited lender access or offer rushed advice, which is why choosing an independent, whole-of-market adviser matters.
The main downside can be the fee, as some brokers charge for their advice. However, not all brokers work the same way. A good broker will be transparent about costs upfront and explain the value they add. The real risk isn’t using a broker – it’s using the wrong one. A poor broker may have limited lender access or offer rushed advice, which is why choosing an independent, whole-of-market adviser matters.
Mortgage broker fees in the UK typically range from £0 to £500, depending on the service and complexity of the case. Many brokers, including Spolton Mortgages, offer advice free until a full mortgage offer is secured, with a typical fee payable only once the mortgage is approved. Always ask how and when a fee is charged, and whether it applies if the mortgage doesn’t complete.
Yes. Most reputable mortgage advisers offer a free initial consultation. This gives you the chance to discuss your situation, understand your options, and decide whether you want to proceed – with no obligation. It’s a sensible way to get clarity early on, especially before making an offer on a property or starting an application.
