We make finding the best mortgages

Our impartial mortgage advisors search through 100s of different mortgages from across the whole mortgage market so we can find the best mortgage deal for you.

Google Rating

5.0

We access the whole of the mortgage market to find the best mortgage to suit your needs. Here are just a few of the lenders we use.

Coronavirus and your finances

We understand that these are worrying times for everybody right now and understandably we are receiving an increased number of enquiries from people who are genuinely concerned about the impact of the Coronavirus Outbreak on their finances.

We always aim to give straightforward and impartial help and advice so we’ve drawn together some information for you.

Stay safe and well and at this time and we’d like to say a massive than you to those who continue to work to make sure we have access to the basics we need and especially those in the NHS and other emergency services.

Worried about paying your mortgage or rent?

Mortgage lenders have announced support if you have to take time off work because of coronavirus, including a repayment holiday of up to three months. This includes buy-to-let mortgages.

For more information, click here

Worried about your finances in general?

We’ve written a blog post with some great general advice for you

For more information, click here

As whole of market mortgage advisors, our unbiased mortgage advice means we find the best mortgage for you

Our mission is to provide simple, straightforward and honest mortgage advice and be the best mortgage broker in Sleaford and Lincoln. Our aim is to make the process of applying for a mortgage as straightforward as possible and help you find the best mortgages in Lincoln, Sleaford and surrounding areas.

martin2010651

Looking for a mortgage? Look no further than Spolton Mortgage! Firstly, I would like to extend my sincere gratitude to both Nick and Kacia for their outstanding customer service during the process of our first time mortgage application. I couldn't be happier with the service I received from start to finish of my mortgage application including help with insurances and the help to buy scheme, I would highly recommend anyone looking for any type of mortgage to use Spolton MortgageWe were kept well informed throughout the mortgage process. Nothing was too much trouble and communication with us was always prompt and helpful. They made it all a very easy process.

Chris D.

Absolutely cracking firm. Made too feel comfortable from start to finish. Expert advice and no pressure at all to make decisions or dive right in. Very informative and impartial. I would highly recommend Spoltons to anyone. 😃

A B.

Really impressed with the service provided by Nick & Kasia at Spolton Mortgages. Having booked in to discuss a remortgage application Nick took the time to understand my needs and circumstances at great depth to ensure he would only discuss solutions that would be relevant. Nick always follows through on his commitments and regularly goes above and beyond what is expected. Without doubt Nick & Kasia have turned my dreams into reality, I can’t thank them enough. I would definitely recommend, and already have to friends and family.

holly S.

Nick Spolton is accommodating, friendly, and really well priced. He made me feel at ease with the process and was transparent with all the details- being a first time buyer I would highly recommend his services as it makes the process so much easier. Thanks so much!

ivan B.

We went to Nick as first time buyers. He's been fantastic from from day one and has worked tirelessly to get us the best possible mortgage. He's made the whole process easy for us and his coffees are very nice too!

Jack A.

Very helpful, would recommend to anyone.

Jenna S.

I had an initial appointment with Nick regarding potentially buying my first property. I knew very little about the market and how it worked, but Nick was extremely helpful, made the information simple and put my mind at ease. I would definitely recommend Nick and Spolton Mortgages!

Gareth I.

Being first time buyers, the world of mortgages was almost completely unknown to us. After trying a websites without much luck, Spolton Mortgages was recommend to us. Right from the very start, Nick put us as ease with the whole process, took time to explain everything and guided us through the whole application step by step. His expert knowledge of the mortgage market meant he could get us a great deal based on our financial circumstances. If you want an advisor who you can really trust, who's will is clear, and will really go extra mile for you we would highly recommend Spolton Mortgages.

Laura J.

Looking to be first time buyers Nick was really helpful. He made sure he personalised his advise and helped us understand the motions we would have to go through without making us feel stupid. We feel he broken the advice down for us and helped us fully understand the help to buy scheme to make a more informed decision. Moving forward we both had lots of our questions answered, understood how much we need for a deposit and what we could look to buy for that and the fees and monthly break downs. He also helped to put some of our worries to bed. Would recommend to friends!

Alex L.

As first time buyers we approached Spolton Mortgages after visiting a couple of other mortgage advisors in Sleaford and we immediately felt at ease after the initial casual chat over the phone. We met with Nick at his office and he spoke us through the whole process, explaining everything we needed and wanted to know in detail. We asked a lot of questions and Nick always gave us a detailed response. No meeting with Nick was ever too long and we never felt rushed, his door was always open for us to pop in and have a chat.We also met with Kasia in regards to insurance, who again provides us with everything we needed to know and understood that taking out life insurance can be a very difficult decision. We were never made to feel pressured into the decision to go ahead with this and Kasia truly went above and beyond to get us the deal we were after, even when we set a maximum spend.Nick and Kasia maintained regular contact with us whenever we needed to know something about the process. They even provided us with updates from the solicitors when they failed to contact us themselves.We definitely recommend Spolton Mortgages for financial advice, particularly for first time buyers, if you want to feel reassured throughout the house buying process and that you are talking to another human being that isn't just there for your money. Nick and Kasia provide an outstanding service for a more than reasonable price and they'll even throw in a free coffee during meetings.Thank you both!

Natalie F.

Looking for a mortgage? Look no further than Spolton Mortgages! Firstly, I would like to extend my sincere gratitude to both Nick and Kacia for their outstanding customer service during the process of our first time mortgage application. I couldn't be happier with the service I received from start to finish of my mortgage application including help with insurances and the help to buy scheme, I would highly recommend anyone looking for any type of mortgage to use Spolton Mortgages.We were kept well informed throughout the mortgage process. Nothing was too much trouble and communication with us was always prompt and helpful. They made it all a very easy process.

Mike I.

Very helpful and helped make the more complicated parts seem much more straight forward. Would certainly recommend.

Sara W.

What a pleasure in this day and age to find a business such as this. Nick went above and beyond to help me and it was blindingly obvious he looked to find the right solutions for ME ~ not the solutions that were easiest for him or that would give him the most payback. I cannot sing their praises highly enough. If you are looking for mortgage/insurance advice and help you really should give Nick a call.

becky C.

I went to Spolton Mortgages at the weekend as a first time buyer. Told some very useful tips to do in preparation for the time to move. Felt very listened to about a lot of aspects and felt that Nick payed a lot of attention to detail and felt very comfortable my needs were being met, very useful service and look forward to going back when I am ready.

Robert H.

I used Spolton Mortgages and would highly recommend them to anyone. Excellent and friendly service. Nick worked so so hard to find me a mortgage which was suitable for myself. I couldn't be happier. Thank you very much

Machine Parts U.

Just great service, will recommend to everyone! Wspaniali ludzie , super prosto , i bez zbędnych kosztów .

Paul S.

Very honest. Advice was brilliant and I would recommend them for anyone who wants to be put first.

Kim B.

From start to finish dealing with Nick & Kasia at Spolton Mortgages was incredibly straight forward with all the information presented in a very clear and understandable way.

Semsee C.

Really responsive and extremely helpful. Nick was quick to offer advice that was wholly client centred. They will not try to unnecessarily solicit business if it is not in the client's best interest. If you are looking for a mortgage broker who puts the client first, then I highly recommend Spolton Mortgages.

Joanne B.

Excellent service great advice and no jargon

Marcin P.

Myself and my wife are looking to buy our first home and we have had A lot of questions in regards to purchase and whole process. Nick has helped us understand everything and answer all the questions. We have made a plan what to do and how we are going forward with buying a house.

Debbie L.

I would like to say thank you Nick for the great service and all the help you gave when we bought our house from the first time we came to see you, you explained everything so we understood , always had time for any questions helped with the forms made it all easier.Thank you.

Daniel S.

Nick has been outstanding throughout the process. Very comfortable environment, knowledgable and keeps us well informed. Very impressed and highly recommend as I have to friends and family. Thanks

edward j

Nick has been more than helpful with his advice and guidance.A complete 5 star professional service. Will be using Spolton Mortgages again!

Hayley B.

Great service. Nick reassured me throughout and completely put my mind at rest. My mortgage completed today as promised by Nick just before Christmas with no hiccups at all. Nick was professional and informative throughout and always responded timely to any emails I sent him. I will definitely be recommending him in future.

Elle M.

Had a meeting with Nick yesterday, as first time buyers- he gave us all the information we needed to know, was extremely helpful and easy to talk too. Would definitely recommend to anyone!

Karolina P.

Me and my husband went to see Nick to discuss our options as a first time buyers. Nick explained everything in detail and what happens step by step, answered all of our questions and helped us with a plan forward to buying our dream home. Very friendly and professional, made us feel very welcome.

Ewa P.

Excellent service and very nice people. I can honestly recommend them to anyone. Myself and my partner as a first time buyers had a lot of questions, we’ve got answers for all of them and anything what was complicated seems so clear now.

Jack M.

Me and my fiancé asked for a mortgage to set up on a house we are currently purchasing and the service has been absolutely spot on! We can not fault it at all. We have been well looked after on other aspects to set up our future, which they will continue to look after us throughout the time of the mortgage and house. A very well organised business and great staff! On behalf of me and my fiancé, we thank you very much.

Jade S.

A long overdue review!!! Thanks to Spolton Mortgages we were able to get a house (and a mortgage) that we never thought we would be able to as first time buyers. Both Nick and Kasia were excellent at regularly communicating with us throughout the entire process and were professional and personable.I would happily recommend them to anybody.

Albert W.

Fantastic service and fantastic People. They go beyond to help you and make things right. Whatever seems hard to do or understand, they make it simple.Highly recommend!

Chris M.

Excellent service, spent time understanding what I wanted and offered other ways of completing things so all was in my best interest

Edward R.

From the start to submitting my full mortgage application Nick has provided an excellent service. He has made the process very easy and painless!

Nathan M.

Spolton mortgages were so helpful and professional very prompt and efficient service and explains everything so well

Jamie B.

Nothing is ever to much trouble, Nick just wants to put you at ease. He has a great way of explaining things so you can understand easily. The different options he has for you are explained clearly using an example of each scenario with the pro’s & cons of both letting you make your own mind. The important thing is Nick under promises what he can do then completely over delivers with what he gets you. Great service from a company who know the market very well.

Tomasz S.

Absolutely great service. Nick and Kasia do a great job. The knowledge they have about buying houses is impressive. I was guided step by step throughout the whole process of buying a home. I am very glad that they helped me buy my first home. Thank you Nick and Kasia for your wonderful job.

David B.

The service provided and effort put in are second to none. If you want a friendly, reliable and supportive service then I'd highly recommend Nick at Spolton Mortgages.

Phill M.

A very helpful consultation for first time buyers. We had no clue of what we would be able to afford and how much it would cost each month. We came away with a full understanding of the process and what we would be able to buy. Would definitely recommend !

Ben H.

Very Good! Gave a great service and helped me and my partner understand a lot more, even after everything was complete they still offered there help for any needs.

Ben G.

We received a great service from Nick and would highly recommend. He understood what our needs were and he found mortgage options to fit these perfectly. He was extremely helpful and able to answer any questions that we had! We will definitely be using him again.

JoshuaDeanIan

Thank you for all of your help. I couldn't of asked for a better service to support me with my first property purchase. Nick and Kasia were extremely knowledgeable and helpful. I felt supported every step of purchasing process and garnered a much better understanding of my options. Working with Spolton Mortgages allowed me make the right choices for me, I couldn't be more grateful.

Sam G.

Fantastic service and I highly recommend Spolton Mortgages. We were first time buyers and were really impressed with how Nick went above and beyond to get the best mortgage for us so quickly. He gave us in depth, honest advice throughout the process, was proactive, quick to respond to our queries and would even fit in our appointments around our work schedules. We couldn’t have asked for a better service - he even has the good coffee!

Lisa J.

Would recommend this service to any body who is looking for advice or a mortgage, such a welcoming company and helps with so much more than just simple advice, great communication and honest with everything, came away with such a better understanding of things than I have from other mortgage advisors, polite respectful and a pleasure to go and see. Has your best interests at heart and not what he can get out of you.

John S.

Spolton Mortgages : it’s rare nowadays to find the combination of traditional values : experience , enthusiasm, politeness , paired together with high tech and speedy solutions.If this is what you are looking for, or need, then our family totally recommends you contact Nick ; we found his knowledge and solutions ( on more than one occasion) excellent

simona R.

If you are looking for expert advice and the best possible options and outcome for your circumstances Spolton Mortgages is the place to go.Very friendly and welcoming attitude with focus on getting you sorted.

Lauren C.

Me and my husband visited Nick a few months ago, he was very friendly, helpful and professional. Answered all of our questions and really made us feel very welcome. Will definitely be using Nick’s services again in the future and would highly recommend to any friends and family needing advice

Ben L.

I have been working with Nick and Kasia since they first started up and have been extremely impressed with their professionalism and knowledge within their industry. Any updates or help needed they are on hand to help every step of the way and I would have no hesitation in recommending their services. In my opinion the best in town!

Jerry T.

Hi , I met Nick nearly a year ago as I took early retirement and needed to look at my choices , he was realistic , honest and very professional . He also explained my choices without pushing one or another , As time passed I decided I needed a mortgage and went back to Nick , but were were entering the wave of v 19 , I being older am not great on the computer ! This I’m sure Nick would agree but this has not caused a problem as his relaxed confident style talked me through each issue , time , questions are not a problem for his team , he also has an excellent reputation with my solicitor which again builds the ladder of confidence . I would recommend Nick And his business with confidence I do not except fools gladly and am pleased to say that as an ex headteacher his report home would A+ ! It’s so difficult for all at the moment but Nick has helped me so much and has helped me put my finances in place which helps me sleep at night . A great man , great business and I wish Nick. His family the success they deserve !

snip S.

We used nick for the mortgage on our house. He was amazing at explaining things to us as first time buyers and leasing with people on our behalf to push the mortgage through quickly. Would 100 percent recommend!

Ola

I went to Spolton mortgages for some advice on mortgages and insurance.They spent time to understand what I wanted and the advice they gave me was amazing and they clearly wanted what was best for me.I’m saving money every month and got exactly what I wanted.Highly recommended.

Next Reviews

Hassle free 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 expertise to help you achieve your goals so that you can spend time doing the things you enjoy.

Mortgage advice tailored exclusively to fit your needs

Not constrained to any one lender, our mortgage brokers search the whole market to find the best mortgage for you. However, before we even get to any mortgage advice, we make sure we understand your circumstances and needs, as well as your objectives and aspirations for the future. Only then, do we start to offer our mortgage advice and recommend suitable mortgage and insurance products for your personal needs.

We are family

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. Our passion is helping people find mortgages in Lincoln, Sleaford and the neighbouring areas. Our goal is to be the best mortgage broker in Lincoln and Sleaford.

What our clients say about us

We love to hear what our customers have say about us, it’s not only great for us to hear but we understand the feedback we receive also helps others decide if we are a good fit for you or not.

holly S.

Semsee C.

Paul S.

Very honest. Advice was brilliant and I would recommend them for anyone who wants to be put first.

John S.

David B.

The service provided and effort put in are second to none. If you want a friendly, reliable and supportive service then I'd highly recommend Nick at Spolton Mortgages.

snip S.

Jenna S.

Lauren C.

JoshuaDeanIan

Jack A.

Very helpful, would recommend to anyone.

Nathan M.

Spolton mortgages were so helpful and professional very prompt and efficient service and explains everything so well

Debbie L.

Tomasz S.

Jerry T.

martin2010651

Natalie F.

Ben H.

Very Good! Gave a great service and helped me and my partner understand a lot more, even after everything was complete they still offered there help for any needs.

Gareth I.

Daniel S.

Nick has been outstanding throughout the process. Very comfortable environment, knowledgable and keeps us well informed. Very impressed and highly recommend as I have to friends and family. Thanks

Jack M.

Robert H.

A B.

Jade S.

Sara W.

Phill M.

Sam G.

Laura J.

Hayley B.

Jamie B.

simona R.

edward j

Nick has been more than helpful with his advice and guidance.A complete 5 star professional service. Will be using Spolton Mortgages again!

Albert W.

Fantastic service and fantastic People. They go beyond to help you and make things right. Whatever seems hard to do or understand, they make it simple.Highly recommend!

Joanne B.

Excellent service great advice and no jargon

Elle M.

Had a meeting with Nick yesterday, as first time buyers- he gave us all the information we needed to know, was extremely helpful and easy to talk too. Would definitely recommend to anyone!

Ben G.

Ewa P.

Lisa J.

Mike I.

Very helpful and helped make the more complicated parts seem much more straight forward. Would certainly recommend.

Alex L.

Ben L.

Ola

Marcin P.

Karolina P.

Edward R.

From the start to submitting my full mortgage application Nick has provided an excellent service. He has made the process very easy and painless!

Chris M.

Excellent service, spent time understanding what I wanted and offered other ways of completing things so all was in my best interest

ivan B.

Kim B.

From start to finish dealing with Nick & Kasia at Spolton Mortgages was incredibly straight forward with all the information presented in a very clear and understandable way.

Machine Parts U.

Just great service, will recommend to everyone! Wspaniali ludzie , super prosto , i bez zbędnych kosztów .

Chris D.

becky C.

Next Reviews

To arrange a FREE mortgage consultation

Services

Our areas of expertise

Our mortgage advisors start by building a clear picture of your circumstances and requirements so that we can fully understand your unique needs and wants. We then search through 100s of different mortgages from across the market and give impartial advice on the best mortgage deal for you. Finally, we help you complete all of the relevant paperwork. Properly completed paperwork ensures your mortgage application runs smoothly so that you can complete your house move on time.

First Time Buyer Mortgages

Buying your first home. Take the first steps on to the housing ladder. Let us find the right first time buyer mortgage for your individual needs and budget.

Monday	9:00 AM - 5:00 PM
Tuesday	9:00 AM - 5:00 PM
Wednesday	9:00 AM - 5:00 PM
Thursday	9:00 AM - 5:00 PM
Friday	9:00 AM - 5:00 PM Open now
Saturday	10:00 AM - 1:00 PM

01529 300 500

Mon - Fri: 9:00 - 17:00

We make finding the best mortgages

Our impartial mortgage advisors search through 100s of different mortgages from across the whole mortgage market so we can find the best mortgage deal for you.

We access the whole of the mortgage market to find the best mortgage to suit your needs. Here are just a few of the lenders we use.

Coronavirus and your finances

As whole of market mortgage advisors, our unbiased mortgage advice means we find the best mortgage for you

Hassle free advice

Mortgage advice tailored exclusively to fit your needs

We are family

What our clients say about us

To arrange a FREE mortgage consultation

Services

Our areas of expertise

Our carefully selected panel of insurance providers

Contact

Opening hours

Useful links

© 2020 Spolton Mortgages. All rights reserved.

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we feel your pain

Mortgages can seem confusing and over complicated. So many options, trackers, base rate, what does it all mean? Where to start?

01529 300 500

Mon - Fri: 9:00 - 17:00

We make finding the best mortgages

Our impartial mortgage advisors search through 100s of different mortgages from across the whole mortgage market so we can find the best mortgage deal for you.​

We access the whole of the mortgage market to find the best mortgage to suit your needs. Here are just a few of the lenders we use.​

Coronavirus and your finances

As whole of market mortgage advisors, our unbiased mortgage advice means we find the best mortgage for you

Hassle free advice

Mortgage advice tailored exclusively to fit your needs

We are family

What our clients say about us

To arrange a FREE mortgage consultation

Services

Our areas of expertise

Our carefully selected panel of insurance providers

Contact

Opening hours

Useful links

we feel your pain

Mortgages can seem confusing and over complicated. So many options, trackers, base rate, what does it all mean? Where to start?

Our impartial mortgage advisors search through 100s of different mortgages from across the whole mortgage market so we can find the best mortgage deal for you.

We access the whole of the mortgage market to find the best mortgage to suit your needs. Here are just a few of the lenders we use.