Independent advice on protecting your mortgage and family if serious illness strikes in Sleaford and across Lincolnshire.
Critical illness cover pays a lump sum if you’re diagnosed with a specified serious illness during the policy term. It’s often used to repay or reduce a mortgage so your family isn’t left under financial strain during recovery.
Conditions usually covered include:
Why it matters for homeowners:
For impartial overviews, see MoneyHelper or medical charities such as Macmillan Cancer Support and the British Heart Foundation.
Dedicated to providing trusted 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.
With average house prices at £237,000 in North Kesteven (Sleaford) and £184,000 in Lincoln (ONS, July 2025), most households carry significant mortgage balances. A serious illness could put repayments at risk.
We tailor critical illness cover to your mortgage, budget and health history, making sure the policy is affordable and relevant.
Spolton Mortgages is a family mortgage broker founded by Nick and Kasia Spolton.
From our office in Sleaford, we provide mortgage and mortgage protection advice.
Well-known, and respected for providing trusted advice, we started by helping people find mortgages in Lincoln, Sleaford, and throughout Lincolnshire. Now we find ourselves helping people across the whole of the UK.
Policies usually cover cancer, heart attack and stroke as a minimum. Many also include serious organ conditions and neurological diseases.
No. It pays a one-off lump sum, which can be used to repay the mortgage or cover major costs.
Yes, though premiums may be higher or exclusions applied. We’ll find insurers that match your circumstances.
Couples can take joint cover, but sometimes two single policies are better value. We’ll compare both options.