Nick Spolton

How Nick approaches mortgage advice

Honest, jargon-free advice. Nick takes the time to understand your plans, then compares the whole market to find the lender that fits, not just the obvious one.

Problems Nick often helps with

• Affordability concerns
• Deposit issues
• Credit history issues
• Tight deadlines
• Complex income
• Not knowing how much they can borrow
• A previous lender decline
• Self-employed income complexity

What clients often get wrong

People often take their steer from friends, family and social media, and assume what they are hearing applies to them. Usually the information is broadly right, but it may not fit their situation, or it may simply be out of date. What was true for Mum and Dad when they last bought a home might not be true now. Everyone's circumstances are different, so no two cases are the same, and the right advice has to be built around the individual.

A case Nick remembers

A couple came to me after applying to Nationwide. They wanted to port their existing fixed rate and borrow a little more to move, and expected it to be straightforward, but the application was declined and they were suddenly facing having to start again with a new lender. When they came to me I could not see why it had been turned down, so I did some proper digging, including checking their credit files. As I suspected, their credit record was perfect. The one thing the files showed was that a recent car purchase and some holiday spending on a credit card were still appearing as balances, even though they had actually been repaid. I re-keyed the application to reflect that those balances had been cleared, and it flew through. They had a fully approved mortgage offer within a week.

Before establishing Spolton Mortgages, Nick enjoyed a successful career as a Senior Bank Manager with Lloyds Bank, where the most rewarding part of his role was helping customers achieve financial peace of mind. That same passion remains at the heart of the business today.

Nick believes outstanding service starts with a great team, and he has carefully built a group of specialists who share his commitment to honesty, care and client success. Together they focus the whole company on one goal: making each client’s journey as smooth and positive as possible.

Known for his approachable, down-to-earth manner, Nick takes pride in simplifying complex financial matters and guiding clients with warmth, clarity and trust. Whether you are taking your first step on the property ladder or reviewing your current mortgage, you can count on Nick and his team every step of the way.

A little about Nick

Based in Sleaford with his wife and young son, Nick is deeply rooted in his local community and brings those same family values into his professional life, prioritising care, connection and doing what is right for every client.