Whole-of-market mortgage advice
Remortgaging in Sleaford & Lincolnshire
Is your fixed rate coming to an end, or have you slipped onto your lender's standard variable rate? A remortgage at the right time can save you a meaningful amount each month. We compare the whole market and handle the switch for you.
5.0★ · 700 reviews
Whole of market
Free until approved
Your Lincolnshire mortgage team
Nick, Kasia & the team
Qualified advisers and support, here for every step
★★★★★
Remortgaged with no fee at all because they switched our rate with our existing lender. Saved us a small fortune and were completely upfront about it.
If your fixed rate is ending soon, doing nothing is the expensive option. Lenders move you onto their standard variable rate, which is usually far higher than the deals on offer. A well-timed remortgage can save a meaningful amount every month, and we make the whole switch simple.
Your bank is not the whole market
Your current lender will only ever show you its own retention deals. We compare those against the entire market, factor in any early repayment charge, and tell you honestly where you are best off. Sometimes the answer is to stay put, sometimes it is to move, and we are upfront either way.
No fee on a like-for-like switch
If the best advice is simply to switch rates with your existing lender on a like-for-like basis, we charge you nothing at all. Where moving lender wins, we handle the full application and chase it through so your new deal starts the day your old one ends.
Is this you?
We help homeowners remortgaging like…
- Coming off a fixed rate in the next six months
- Sitting on your lender's standard variable rate
- Wanting to release equity for home improvements
- Looking to overpay or shorten your term
- Keen to lock in certainty before any rate moves
Why a broker
Why homeowners remortgaging use a mortgage adviser
Your own bank will only ever show you its own retention deals. We compare those against the whole market, factor in any early repayment charge, and tell you honestly where you are best off, often saving more than the cost of advice.
Going direct to one lender
- One lender, one shelf of deals
- You fill in the forms and chase progress
- Criteria buried 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
How it works
How we help homeowners remortgaging, step by step
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A timely review
We look at when your current deal ends, your balance and your goals, so we act with time to spare rather than in a rush.
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Your lender versus the market
We weigh your existing lender's retention offer against the whole market, including any early repayment charge, and show you the real cost difference.
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The right call, no fee where possible
If the best advice is a like-for-like switch with your current lender, we charge no fee at all. If moving lender wins, we handle that too.
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We do the legwork
We complete the application, deal with the valuation and chase it through, keeping you posted at each stage.
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Locked in and sorted
Your new deal starts the day your old one ends, with no costly month on the standard variable rate in between.
Local to you
Advising on remortgaging across Sleaford & Lincolnshire
Based on Carre Street in Sleaford, we remortgage homes across Lincolnshire, from Lincoln and North Hykeham to Grantham and Boston. Pop in for a coffee or run the whole review by phone and video, whichever suits your week.
- Sleaford
- Lincoln
- Grantham
- Newark
- Boston
- North Hykeham
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.
You may have to pay an early repayment charge to your existing lender if you remortgage.
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.
Good to know
Remortgaging: your questions answered
When should I start my remortgage?
Around six months before your current deal ends. Offers can usually be held, so starting early locks in a rate while leaving room if something better appears.
Will I have to pay a fee to remortgage?
If the best advice is to switch rates with your existing lender on a like-for-like basis, we charge no fee at all. Where moving lender is better, our standard fee applies and we tell you up front. Our service is free until you receive a fully approved mortgage offer. There may then be a charge which, depending on your circumstances, will typically be £299, payable upon receipt of an approved mortgage offer. Our fee is discounted to £199 for Armed Forces and Blue Light Card holders.
Can I borrow more when I remortgage?
Often yes, for home improvements or other purposes, subject to affordability and the lender's criteria. We will tell you what is realistic before you commit.
What is an early repayment charge?
A fee some lenders charge for leaving a fixed deal early. We always factor it into the comparison so the saving we quote is the real one.
Do I need to leave my current lender?
Not necessarily. Sometimes staying put on a new rate is the best move. We compare both so the decision is based on your numbers, not loyalty or habit.
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
Real people, real advice
The people behind your mortgage
You will deal with a named adviser from start to finish, backed by an administration team who keep your case moving behind the scenes. Here is who you will be working with.
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. You may have to pay an early repayment charge to your existing lender if you remortgage.
