Whole-of-market mortgage broker · Sleaford & Lincolnshire
Your family-run mortgage broker in Sleaford. Whole-of-market advice, clearly explained, and free until your mortgage offer is approved.
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Free, no obligation, no jargon
Local mortgage advice
From our office in the centre of Sleaford, we advise homeowners and buyers right across Lincolnshire, in person, over the phone or online. Buying your first home, moving, remortgaging or investing in a let, we compare the whole market to find the deal that fits.
Family-run and whole-of-market, you get a named local adviser who explains every option in plain English and handles the paperwork from first chat to completion. Advice is free until your mortgage offer is approved.
What clients say
260 reviews on Google and 447 on VouchedFor for 4 advisers, all independently verified. A 5.0 average across both.
What we help with
Honest advice, no jargon. We compare the whole market and explain your options plainly.
Keys to your first home, with every step explained. Deposits, agreements in principle and affordability in plain English.
A bigger or better home, with the move managed for you. Porting or a new deal, we tell you which is right.
Coming off a fixed rate? Act before it ends. No fee at all on a like-for-like rate switch with your lender.
First-time landlords and portfolio builders across Lincolnshire. Up-to-date criteria and whole-of-market access.
Part buy, part rent, fully explained. We know which lenders say yes and how much deposit you really need.
Life, income, critical illness and home cover, so the home you worked for stays yours whatever happens.
Who we help
Family-run mortgage and protection advice in Sleaford, serving all of Lincolnshire. Whatever stage you are at, here is how we help.
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.
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.
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.
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.
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.
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.
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.
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
Three simple steps. You always know what happens next.
Tell us your situation. We listen first, with no obligation and no pressure, in person, by video or on the phone.
We compare lenders across the whole market and bring you a clear recommendation you can actually understand.
We handle the application and chase lenders, solicitors and agents, so you can get on with your move.
Why use a mortgage broker
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.
Your home/property may be repossessed if you do not keep up repayments on your mortgage.
Real stories
A few of the situations we have helped with recently. Every case is different.
First-time buyer, Lincoln
A young first-time buyer in Lincoln had a strong deposit but a thin credit file, with no loans or cards to show. Tom found a lender that took a pragmatic view, at…
Tom Clifton
Read case study
First-time buyer, Sleaford
A Sleaford first-time buyer had a 5% deposit and affordable payments, but the income multiplier fell short. A joint borrower sole proprietor (JBSP) mortgage, with Dad as joint borrower, secured an offer…
John Hallam
Read case study
First-time buyer (Sleaford)
A single first-time buyer in her twenties needed to borrow above the usual income multiple to buy in Sleaford. Tom found a mainstream lender, Accord, whose criteria fit, and completed in just…
Tom Clifton
Read case study
Honest about money
Never a surprise fee. Here is how ours work, plainly: most advice is free until your mortgage is approved.
Your home/property may be repossessed if you do not keep up repayments on your mortgage.
For the Armed Forces
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 Help to Buy mortgages Forces Help to Buy calculator
Family run, since 2017
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.
Our advisers
Qualified, experienced and local. Our team takes time to understand your situation before making any recommendation.
Recognition
2019–2026
VouchedFor Top Rated Adviser
Every year since 2019 · view report
Listed
The Times Top Rated Guide
Featured mortgage adviser
Free tools
A clearer picture before your first appointment. Your adviser follows up with exact figures for your circumstances.
Find out how much you may be able to borrow based on your income and outgoings.
Estimate the stamp duty land tax on your purchase, including first-time buyer relief.
See what your monthly repayments could look like at different interest rates and terms.
Discover how much interest you could save and how many years you could shave off your mortgage.
Local to you
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
Free, no-obligation consultation. We listen, compare the whole market, and hand you a clear plan, no jargon.
Your home/property may be repossessed if you do not keep up repayments on your mortgage.
