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

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.

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 

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.

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.

A Bierley
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.
Jade Sykes
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.
Sara Walker
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.
Phill Matthews
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 !
Sam Greener
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!
Laura Jones
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!
Hayley Bostock
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.
Jamie Bierley
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.
simona radulescu
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.
edward j
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 Wilk
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 Bellwood
Joanne B.
Excellent service great advice and no jargon
Elle Macdonald
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 Gregory
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.
Ewa Pecyna
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.
Lisa Jacques
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.
Mike Idris
Mike I.
Very helpful and helped make the more complicated parts seem much more straight forward. Would certainly recommend.
Alex Lewis
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!
Ben Lafferty
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!
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.
Marcin Pakula
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.
Karolina Pelka
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.
Edward Robinson
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 Mack
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 brennan
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!
Kim Burrell
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 UK
Machine Parts U.
Just great service, will recommend to everyone! Wspaniali ludzie , super prosto , i bez zbędnych kosztów .
Chris Degnan
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. 😃
becky carling
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.
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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.

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.

Read more..

If you’re looking to move house, then it makes sense to look at what mortgage deals are available rather than simply taking your existing one with you.

Whether you’re looking to re-mortgage to get a better deal or to raise money for home improvements, we’re here to find the right mortgage for you.

We’ve got access to a wide range of buy to let mortgages and give expert advice on which one is right for your buy to let venture.

If you’re looking to release equity from your home to raise money in your retirement, then we’re specialists in equity release mortgages and can give advice that’s tailored to you and your needs.

We’re insurance specialists and our job is to make sure that you’ve got the right cover in place to give you peace of mind that you and your home are protected against whatever is around the corner.

Our carefully selected panel of insurance providers

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?

Let us help you find the best mortgage. Firstly, let’s have an informal chat about your requirements. Leave us your name and phone number, and we will give you a call back ASAP.