- 6, Mill House, Carre Street, Sleaford, Lincolnshire NG34 7TW
- info@spolton.mortgage
- Get Directions
Spolton Mortgages help buyers, homeowners and investors in Sleaford, Lincoln and the surrounding towns find the right mortgage and insurance with a stress free process and clear, honest advice and free, no-obligation consultations.
As a family-run mortgage broker based in Sleaford, we work closely with homeowners throughout the local area. From first time buyers in Sleaford, Heckington, Ruskington, Cranwell to Lincoln new-build developments to families moving within North Hykeham, our aim is always the same: make mortgages stress free with clear and ethical advice and no unnecessary complications.
We’re grateful to be trusted by homeowners across Sleaford and Lincolnshire, with many travelling from Lincoln and the surrounding towns to work with us.
The reviews below reflect real experiences from people we’ve helped at every stage of their property journey.
Spolton Mortgages provides clear, independent mortgage advice in Sleaford, supporting first-time buyers, home movers, landlords and homeowners across Lincoln and the surrounding towns.
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 for clients in Sleaford, Lincoln and the surrounding areas.
Whether you’re buying in a Lincoln new-build development, moving within North Hykeham or remortgaging your home in Sleaford, we’ll guide you through the next steps clearly and simply.
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.
While our office is in Sleaford, many of the people we help live in Lincoln and the nearby villages. We regularly support clients in North Hykeham, Branston, Nettleham, Cherry Willingham and Skellingthorpe, as well as across the smaller communities between Lincoln and Sleaford.
We also work with homeowners and landlords in Grantham, Newark, Boston and Stamford. Some prefer to visit our Sleaford office on Carre Street, while others choose a video or telephone appointment, whatever works best around work and family life.
For members of the Armed Forces based at RAF Cranwell, RAF Waddington and RAF Coningsby, we understand the added pressures around postings, timeframes and deposit planning. We aim to keep things simple and move quickly when you need us to.
Wherever you are based locally, you’ll receive the same clear advice and personal support we’re known for in Sleaford.
Our office is based on Carre Street in central Sleaford, with straightforward access from the A15 and A17.
By car, we’re typically (click for directions on Google maps):
There is free parking nearby, and we’re a short walk from Sleaford train station, making it simple to visit us in person if you prefer face-to-face advice.
Many clients choose to meet us at the office, while others prefer video or phone appointments.
Most of the mortgage process can be handled remotely, so wherever you’re based locally, working with us is straightforward.
With years of mortgage experience and a no-nonsense approach, we’re here to make the mortgage process simple and stress-free.
17 Ploughmans Court, Lincoln, LN2 4FP, 07511 231877
Dedicated to providing trusted, whole-of-market 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.
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.
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.
