Whole-of-market mortgage broker · Sleaford & Lincolnshire
We make finding the best mortgages simple
Buying your first home, moving, remortgaging or investing in a let, we compare the whole market and explain your options clearly, then look after everything from first chat to front-door key. Family-run, and free until your mortgage offer is approved.
5.0★ · 700 reviews
VouchedFor Top Rated
FCA registered
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Where are you up to?
Free, no obligation, no jargon
What clients say
700 verified reviews, rated 5.0
257 reviews on Google and 443 on VouchedFor for 4 advisers, all independently verified. A 5.0 average across both.
5.0 average · Google & VouchedFor
What we help with
Whole-of-market advice for every stage
Honest advice, no jargon. We compare the whole market and explain your options plainly.
Most popular
First-time buyers
Keys to your first home, with every step explained. Deposits, agreements in principle and affordability in plain English.
Moving home
A bigger or better home, with the move managed for you. Porting or a new deal, we tell you which is right.
£0 rate switch
Remortgaging
Coming off a fixed rate? Act before it ends. No fee at all on a like-for-like rate switch with your lender.
Buy-to-let
First-time landlords and portfolio builders across Lincolnshire. Up-to-date criteria and whole-of-market access.
Shared ownership
Part buy, part rent, fully explained. We know which lenders say yes and how much deposit you really need.
Protection & insurance
Life, income, critical illness and home cover, so the home you worked for stays yours whatever happens.
Who we help
Who we help, and how
Family-run mortgage and protection advice in Sleaford, serving all of Lincolnshire. Whatever stage you are at, here is how we help.
First-time buyers
We help you turn a deposit and a salary into your first set of keys: agreements in principle, affordability, 5% and low-deposit mortgages, gifted-deposit arrangements, and mortgages that work alongside the main first-time buyer schemes, including Shared Ownership, the First Homes scheme and the government Mortgage Guarantee Scheme. We can also point you to savings boosts such as the Lifetime ISA.
Home movers
Moving up, down or across, we work out whether to port your existing mortgage or arrange a new deal, including let-to-buy if you are keeping your current home, and manage the mortgage side of the move around your dates.
Remortgaging
If your fixed rate is ending, we compare the whole market for remortgages and product transfers, including raising funds for home improvements or debt consolidation, with no fee on a like-for-like rate switch.
Landlords and buy-to-let
From a first rental to a growing portfolio, we arrange buy-to-let and let-to-buy mortgages, with up-to-date lender criteria and whole-of-market choice.
Self-employed and company directors
We arrange mortgages that recognise your real income, working with lenders who understand accounts, dividends, retained profit and day-rate contract work, sometimes from just one year’s figures.
Armed Forces and Blue Light
We help serving personnel use the Forces Help to Buy scheme, and support NHS staff, teachers and other key workers, with a reduced fee for those who serve.
Protection and insurance
We keep the home you have worked for yours, arranging life insurance, decreasing mortgage cover, income protection, critical illness cover and buildings and contents insurance to suit your circumstances.
Later-life borrowing
For homeowners aged 55 and over, we advise on retirement interest-only (RIO) and later-life mortgages, and equity release by referral, so you can use the value in your home with the right protections in place.
We also help with new-build purchases, Joint Borrower Sole Proprietor (JBSP) mortgages, gifted-deposit arrangements, and more complex or adverse-credit cases.
In person from our office on Carre Street in Sleaford, or by phone and video across Lincoln, Grantham, Newark, Boston, North Hykeham and the surrounding villages.
How it works
From first chat to front-door key
Three simple steps. You always know what happens next.
A free, friendly chat
Tell us your situation. We listen first, with no obligation and no pressure, in person, by video or on the phone.
We search the whole market
We compare lenders across the whole market and bring you a clear recommendation you can actually understand.
We manage it to completion
We handle the application and chase lenders, solicitors and agents, so you can get on with your move.
Why use a mortgage broker
A mortgage broker beats going direct
One bank shows one bank’s deals. We compare the whole market and do the legwork, often finding a rate you could not reach alone.
Going direct to one lender
- One lender, one shelf of deals
- You fill in the forms and chase progress
- Criteria hidden in the fine print
- A computer-says-no can end it there
- No one in your corner if it stalls
With Spolton, whole of market
- The whole market compared for you
- We handle the application end to end
- Criteria explained in clear, everyday terms
- Declined elsewhere? We know who says yes
- A named adviser who chases it for you
- Free until your mortgage offer is approved
Your home/property may be repossessed if you do not keep up repayments on your mortgage.
Honest about money
No surprises. Ever.
Never a surprise fee. Here is how ours work, plainly: most advice is free until your mortgage is approved.
- Free until your offer is approved
- Whole-of-market, not one bank’s shelf
- We tell you the fee before any work begins
Your home/property may be repossessed if you do not keep up repayments on your mortgage.
Our fees, in plain English
Until a fully approved mortgage offer
Free
Standard fee thereafter
Typically £299
Armed Forces & Blue Light Card
£199
Like-for-like remortgage rate switch
No fee at all
Figures correct at time of advice. We confirm everything up front.
For the Armed Forces
We understand service life, and the lenders who do too
Postings, Forces Help to Buy and military income are not always understood on the high street. Cranwell is minutes from our door, and we have helped personnel at Waddington and Coningsby buy with confidence.
Armed Forces Covenant signatory
Defence Discount Services accredited
Ex-RAF adviser in Tom Clifton
Discounted £199 fee for Forces & Blue Light
Armed Forces Help to Buy mortgages Forces Help to Buy calculator
Family run, since 2017
Hello, we’re Nick & Kasia
We built Spolton on the honest, jargon-free advice we would want ourselves.
A family business in Sleaford. In person over coffee or by video, you always deal with real people who learn your name and your plans, never a call centre.
Nick & Kasia Spolton
Founders, Spolton Mortgages
Our advisers
The people behind your advice
Qualified, experienced and local. Our team takes time to understand your situation before making any recommendation.
Recognition
Trusted, rated and recognised
2019–2026
VouchedFor Top Rated Adviser
Every year since 2019 · view report
Listed
The Times Top Rated Guide
Featured mortgage adviser
Free tools
Work out what you could borrow
A clearer picture before your first appointment. Your adviser follows up with exact figures for your circumstances.
Affordability calculator
Find out how much you may be able to borrow based on your income and outgoings.
Stamp duty calculator
Estimate the stamp duty land tax on your purchase, including first-time buyer relief.
Repayment calculator
See what your monthly repayments could look like at different interest rates and terms.
Overpayment calculator
Discover how much interest you could save and how many years you could shave off your mortgage.
Local to you
Easy to reach from Lincoln and the surrounding areas
We are on Carre Street in Sleaford, a short hop from the A15 and A17 and minutes from RAF Cranwell. Pop in for a coffee, or run the whole thing by video and phone, whichever suits you.
RAF Cranwell
10 mins
Lincoln
25 mins
Grantham
20 mins
A15 & A17
On the doorstep
From first chat to front-door key
Let’s make your move simple
Free, no-obligation consultation. We listen, compare the whole market, and hand you a clear plan, no jargon.
Free until your offer is approved
No jargon, no pressure
Whole-of-market advice
Your home/property may be repossessed if you do not keep up repayments on your mortgage.