Spolton Mortgages reviews

Buying a house He has been so helpful from start to finish. He was quick with getting any searches done and gave us all the information what was needed. If we were unsure he would explain it in a way we understood. Yes, we have brought a house and are now moved in. Nothing at all

First time buyer looking to purchase a property in the local area and seeking mortgage and insurance advice. Tom has helped us by been very transparent with mortgage offers and advice ensuring our financial interests are put first. Tom chased other parties throughout the process to help speed up exchange of contracts and completion. Tom was very attentive and was very approachable in person and on the phone. Our outcomes were met and beyond as Tom managed to reduce our mortgage rate whenever there was a reduction in the market to ensure we save as much as possible. I believe nothing can be improved here as Tom and the team were exceptional.

Looking for a new mortgage Seth was fantastic with the advise he gave us and how best to use the money we already had to get the best possible mortgage rate, he went through everything in detail and was always at the end of the phone if we needed anything. Yes Nothing Seth was amazing

First time house buyers He made a very stressful and confusing situation as easy and stress-free as possible. He gave us plenty of advice and was always available if we needed him. Yes, the outcome couldn’t have been better. Nothing, he was consistently brilliant through the entire process.

We were First time buyers looking for help through the process. Seth helped us through the whole process. He was extremely knowledgeable and worked to get the best product for us. Yes.

We contacted John for advice about our mortgage and financial options. He was incredibly helpful, knowledgeable, and took the time to point us in the right direction. We really appreciated his guidance and wouldn’t hesitate to recommend him.

I was looking for a mortgage to buy my first home. He found me the best mortgage for my personal circumstances. He listened to what I needed, offered advice and suggested options. I felt confident with his suggestions as Tom is very knowledgeable. He communicated regularly with me, keeping me updated at all times. He was always there when I needed him. Yes. Nothing.

Buying my first home He helped with the whole process of sorting a mortgage out and sorting all the insurance out too Yes

Wanted to buy a house and looked for a local advisor. He walked me through the whole mortgage process and securing a mortgage. Yes and couldn't ask for it to go any smoother or easier. Tom has been the best advisor anyone could ask for. His dedication and hard work made everything run smoothly. He really goes the extra mile and is always available for any questions you may have. Nothing, Tom offers the best service you can ask for.

From start to finish the process was smooth, transparent and personalised. John’s deep product knowledge, proactive communication and problem-solving approach guided us through mortgage options, timelines and coordination with lenders and solicitors.

This was my second time using Spolton Mortgages. Nick helped sort out paying off my Help to Buy loan, found me a great mortgage deal and made sure it was affordable, and Kasia smashed the insurance side. Everything went seamlessly.

I was a solo first time buyer and needed the convenience of a mortgage adviser to help me with the process I had an initial appointment with Tom which showed me my mortgage options. Once I was ready to proceed with a purchase, Tom was readily available to help me apply and then took time to go through insurance and protection options with me. He was able to be flexible to suit my working pattern to meet with me over video calls. Tom explained everything very clearly to me along the whole way. Yes I got a good deal with my mortgage and had peace of mind that everything had been comprehensively handled by Tom Nothing

First time buyer looking to purchase a property. Tom was excellent from start to finish, offering support both in person and over the phone. He went above and beyond to find me the right mortgage, and even after a property fell through, he was reassuring and carried out further work (at no extra cost) to make sure I could still get on the property ladder. As a new buyer, the process of buying a property was daunting but Tom was incredibly patient, calm and willing to answer every question I had. He made the process of finding Insurance Plans super easy and straight forward and took care of everything. I cannot recommend Tom enough and will without a doubt choose him for future mortgage needs. Yes - Tom was also great as hastening my solicitor throughout the process. Everything about Tom’s service was exceptional.

I was a Fist time buyer. Seth helped with navigating getting a mortgage and all the financial protection involved in purchasing a house. Yes. Nothing.

We had been stuck in the rental trap for 15 years and struggling to save the required deposit to purchase our own home, especially given our levels of debt we accrued during our younger years. Seth literally gave us hope and showed us exactly where our finances needed to be to get the amount of money we would need to borrow. On our initial visit, we were not in a position to purchase the house we wanted. 4 months later, following his guidance we had our mortgage offer! Absolutely, we moved into our forever home two days ago! Absolutely nothing. Seth was a pleasure to work with, patient, understanding, non-judgemental, cares about his clients and clearly knows his stuff!

Being a first time buyer Seth explained everything in easy to understand detail Yes, definitely

My husband and I decided to buy our first home together after renting for nearly 16 years and felt we needed guidance and advice. From the moment we first got in contact with Nick Spolton I felt in safe hands, Nick then introduced us to Tom Clifton one of Spoltons Mortgage Advisors who we had our 1st meeting with to discuss everything in detail and to dicuss what we were looking for and how Tom could help us. Personally I couldn't imagine having done any of this process without the help of Tom! Absolutely, we managed to secure a Mortgage at a good rate and now are the proud owners of our very first bought home together. Absolutely nothing.

Mortgage In every possible way and beyond, Tom has been amazing, approchable and extremely professional and helpful. Absolutely! Even in the difficult times, Tom was always there for us. Nothing really, it was more than better.

Initially to see if I could get a mortgage. I was recommended their services by a friend who'd used them. Tom gave me some mortgage choices to think about with no pressure for a decision, making himself available to answer any further questions I had. He arranged a mortgage in principal. Finding a property relatively quickly he took me through the mortgage process and appication. He kept me updated every step of the way right through to mortgage acceptance. He followed the process through each step and was always an available point of contact. He sent emails with document attachments pro.ptly and was the same with phone calls. Once the mortgage was accepted he then arranged for a meeting to discuss protection insurance again giving me time to check all the options without telling me what to choose, but also discussing them all fairly unbiased way. Yes, the option presented were more than I realised and I consider Tom to have guided me in the right direction for my circumstances. They were professional and don't feel they could've been any better.

We are first time buyers and had heard fantastic things about Spolton Seth has helped us in more ways than I can explain. We went into our first meeting not knowing what to expect or if we would even be able to afford a house… Seth was absolutely fantastic with us, answer every question and never made us feel stupid! 7 weeks later, we got the keys to our first house! We couldn’t be more grateful for everything Seth did for us! Absolutely! Couldn’t have wished for more Nothing what so ever!

Looking to purchase a home as a first time buyer. Tom played a huge part in the successful completion of our new home. More than just an advisor, Tom took a personal interest in our needs and provided a service that is unparalleled, his flexibility to emerging changes ensured we were always ahead of where we needed to be and ensured a timely completion. Always looking for the best advice for us rather than the most costly solution, ensuring everything offered was clearly communicated and tailored to our needs. Absolutely, Tom provided an excellent service and couldn’t be happier with the results. Nothing

Looking to purchase first home as a first time buyer Helped sort out mortgage, insurance and talk us through the process. Yes house purchased and insurance taken out. He was brilliant at explaining everything and walking us through the process step by step and provided regular check ins to keep us on track Nothing. Exemplary service and would recommend to others.

My partner had a property for sale, and we were looking to buy a property together. Tom helped us with budgeting, what mortgages were suitable for us, insurances, chasing solicitors, answering questions on queries that came up along the way. He was also there to help managing the buying process. Tom came up with a perfect solution to our situation. Absolutely nothing

We wanted advise and support from an adviser to help us with our mortgage renewal. Seth was incredibly friendly, professional and honest. We have previously had several other mortgage advisors and Seth is head and shoulders above all of those we’ve previously used. I couldn’t recommend him highly enough. Absolutely. I don’t believe there is anything Seth could have done better. His honesty throughout the process and communication was excellent.

Nearing the end of our mortgage, had a bad experience with our last mortgage advisor and a colleague at work had recommended Seth. Sorted a new mortgage deal for us and got a cheaper rate. Saved us money per month. Couldn’t have been more helpful. Yes, very happy with the outcome, will definitely be using Seth next time when our mortgage is up in 5 years time. Nothing. Lovely guy and incredibly helpful. Perfect service!

My mortgage was coming up for renewal and with not much notice I decided to seek some advice to ensure I was getting the best deal. Seth talked me through all my options and showed incredible patience as we changed different scenarios to see the difference it would make to payments. Due to unexpected circumstances, completely out of Seth's control the deal we were hoping to secure wasn't able to go through. I can not praise Seth highly enough for the way in which he calmly, professionally and kindly sourced me an alternative product, especially when timescales were tight and options were limited. Absolutely! Without Seth's help I would have never secured a suitable mortgage in time. Nothing - faultless service and support. Seth came across as brilliantly; kind, knowledgeable and incredibly patient.

Seth was instrumental in securing our mortgage renewal, offering clear guidance and support at every step of the process. We couldn’t have asked for better help.

Im a first time buyer and was looking for advice on mortgages, I knew next to nothing about them so needed to learn as well as find a mortgage suitable for my current circumstances that I could maintain long term. Seth has been brilliant from the start. The service he provided was excellent , thorough and outstanding. He made everything transparent, answered all of my questions, had lots of patience and understanding , listened to all of my concerns and adapted my mortgage suitably throughout. Cannot fault and would highly recommend. Yes , not just a mortgage but options throughout . Every option was explored thoroughly yet kept simple and straightforward. Lots of advice, guidance and support offered . Exceeded my expectations so nothing more

Seth is a very knowledgeable person and provided me with excellent advice and information. As a first time buyer he took the time to answer any questions I had about the buying process rather than just mortgage related questions. Seth always replied to my emails promptly and recommended what actions I should take next. As a first time buyer it was quite a daunting time, Seth managed to break the process down explained all the steps and was all around a very helpful guy.

Looking to attaining a mortgage. Seth has been a fantastic help in achieving all my needs with securing a mortgage and insurance. His knowledge and communication skills are of a very high level and true professional. Yes definitely. N/A

I wanted to remortgage and Seth was recommended to me Arranged a remortgage for me which was sorted very quickly and efficiently Yes Nothing was very happy with the service

Tom took his time to explain everything with us and made it easy for us to understand things.

House purchase. Tom gave sound advice and found the perfect mortgage to suit my circumstances. He also found excellent life insurance policies for me and my wife. Yes. I competed my house purchase with no hassle. Honestly, nothing.

First time buyer John significantly simplified the mortgage aspect of buying my first home, making a potentially stressful process much less so. He sourced me a suitable mortgage for my situation, clearly explained the process from start to finish and patiently answered all my questions. Would highly recommend. Yes, I am very pleased with the outcome, having received a mortgage offer that fits my situation well. Nothing!

Mortgage nearing end of fixed term. Seth has researched various options from a wider range of providers than I had access to. He provided clear information and took the time to explain different term lengths and different fee structures. Outcome was better than expected as I was able to make a final decision armed with a high level of knowledge. Therefore I am confident that the product I have gone for is the right fit for me. Nothing. Seth provided clear communication throughout. Was available to answer any questions I had and was just a lovely person to deal with.

I was looking for a mortgage advisor in the purchase of my first property Seth went above and beyond, finding me fantastic deals on my mortgage, insurances, and helping guide me step by step when I had no idea what I was doing It was better than I could’ve expected N/A

Requested by my solicitor for divorce proceedings. He's supplied me with multiple, detailed Mortgage/Borrowing Capacity letters to forward to my solicitor as well as giving me and my partner a good idea of what our future borrowing could look like. Yes, an excellent outcome. Nothing. Excellent service from the word go.

Very helpful! as a first time buyer i was overwelled with everything, but Seth sat down with me and he helped explain and answer everything i wanted to know. Having this face to face was a brilliant experience compared to having to do it online.

First time buyers Friendly knowledgeable service Great communication Yes Nothing - five star service

We were keen to see whether we could afford to move home or if it wasn't the right time Seth has been incredible since our first meeting, even before with phone calls and information. He spent many hours with us, sometimes accompanied by young children and went in depth in all parts to do with getting us a mortgage, offering advice and running affordable figures. Even things that weren't to do with the mortgage, he had a vast knowledge and never hesitated once to go above and beyond for us. We are forever grateful! Yes! We have now moved into our dream home thanks to Seth! Even whilst we were waiting, Seth called to say the interest rates had dropped and would we like him to see if he could get us a better rate. AFTER we had paid for the service, so totally off hand. By doing this he has saved us even further! Not a thing

Looking to see what we could afford to buying a new house Helped us find the best rate to suit our needs, and whilst we were waiting to complete he did regular check ins with us and our rate. On which he did update us and got us a better rate. Yes Nothing

I required some advice about mortgages. Seth was so helpful in getting us the right mortgage, he explained things very clearly and nothing felt like to much trouble. Even after getting us the mortgage he continued checking in to see how the whole process was going, highly recommend Seth at spolton mortgages. Yes Nothing... they were excellent!

Seth was very responsive and prompt with providing mortgage advice.

Remortgaging Searched all available products, explained the benefits of different options, chased suppliers to ensure the best available deal Yes

We wanted to buy our first home He went above and beyond to help us, walking us through the confusion of mortgages. He is very knowledgeable and helpful. Yes, we now have a house. Nothing else he could’ve done.

We were looking at moving house and would require a larger mortgage Helped to get our mortgage for our new home, ensuring we got the best deal. He went above and beyond when we had any questions or issues throughout the legal process Yes Nothing! 10/10 service.

Having known Seth for 20 plus years as a bank customer from his banking days, it was a natural choice to go to him for mortgage advice when needed. Always 100% trustworthy, Seth takes the time to identify your needs, which can be very specific, to offer you the best possible product available and guide you through the full process. Sound, sensible advice, always relaxed but professional, but personable at the same time.

Seth is absolutely fantastic! Most helpful and he knows exactly what he is talking about and he always available if you need assistance with anything and responds promptly to queries.

Fixed term mortgage deal coming to an end. Seth listened to what I wanted and the advice he gave me was good. He looked at deals and advised I stayed with the same mortgage lender. Whilst, this resulted in him not getting the business, he advised what I needed to ask for and contacted myself after the appointment with my current lenders advisor to see if everything was sorted out ok. Yes Nothing, Seth was really good and I will certainly recommend him to friends.

We were first time buyers looking for a mortgage. Seth was amazing from the start, I was so anxious and worried about the process before but Seth helped to reassure me and kept us updated every step of the way. Yes, we have our dream home thanks to Seth and his help in getting us the best mortgage possible. Nothing!

Buying first home Gave very helpful advice and was happy to help with any questions or issues I had. The outcome couldn’t have been better and I appreciate all the help John gave along the way

My husband and I were first time buyers and didn’t know where to start with the process. We came to John to get an idea of what mortgage we may be able to get. John helped us immensely. He was absolutely excellent at guiding us through the process of getting a mortgage as first time buyers and also helped us apply for life insurance and building and contents. We couldn’t have hoped for anyone better. We have really appreciated everything John has done for us over the last few months. He has been patient, kind and very attentive to our needs as well as a great communicator. We have successfully moved into our first home and it was a very easy process with all of John’s assistance.

We were looking for help and advice to begin looking for a mortgage as first time buyers. Seth was amazing with helping us. He made the process so easy and gave the best financial advice needed. Yes we now have moved into our new home as first time buyers. Nothing everything was seamless and positive.

My partner and I were buying our first house Seth guided us through the process from start to finish and explained everything we needed him to as we were first time buyers. He was easily contactable and always willing to help us. Seth helped us find the best mortgage and life insurance and we were provided with multiple different options. Yes, we got everything we asked for and we have now completed on our first home. Nothing, everything was perfect.

Purchasing a property/lack of personal time John’s been fantastic, going beyond what I would have expected with mortgage advice in regards to key things to check with the seller which may be an issue later on. The process has taken a long time (due to sorting things with the seller) where John was very patient and always in contact to support if needed. Yes

Firstly, my fixed rate was due to end, and secondly I had put my house on the market and looking for a new property. Nick and his team have been fantastic! You feel fully supported and there is absolutely no pressure. Even once you have obtained your Mortgage in Principle they will check in and see how things are going. They are always at the end of the phone to help if needed. 5 star service! Absolutely, I will be returning to Nick and his team for another mortgage matter shortly Nothing for me, they are brilliant!

Remortgage, removing help to buy equity loan and updating protection Searched for and helped us remortgage at the best interest rate. Guided us with HTB and steps required. Set us up with new income protection and critical illness cover Yes, more than we hoped for

We bought our first property and John was our go to guy! He was recommended by another family member. John helped us from day one, explaining what we needed to get the initial mortgage offer, right through to all our insurance needs. Any time I had even the smallest question, John helped us. Absolutely and way more! We were kept in the loop at every single step. So grateful for that. Nothing! Absolutely 100% would recommend John!

To obtain a mortgage in order to purchase our first property. John supported us in every step of the process, from providing insurance advice to helping us find a mortgage that suited us. He made the house buying process smooth and easy to understand for first-time buyers. Yes- we have been able to buy our first property. N/A

Very helpful , easy to talk to . Went above and beyond for me .

Needing a mortgage By sorting out the best value lender for our needs Yes I cant think that anything needed changing

We needed to remortgage a property we already owned, also bought with Nick's help. Nick's expertise and advise have been invaluable to my spouse and I for the past 6 years through buying and remortgaging several residential properties. Yes.

Nick and his team sorted us a mortgage for an overseas property (bit more complicated than normal) and I have to say the service was excellent! Friendly, efficient and professional. I would recommend him to anybody. Provided excellent service. Yes Nothing

Remortgage Sourcing the cheapest products Yes Nothing, unless they can influence the bank rates.

We were buying our first home He was very informative and patient when we had questions and explained all of the new things in a way that helped us really understand Yes we did I thought their service was outstanding nothing else required in my opinion

We needed to look to get a mortgage to buy the house we were renting from our Landlord. Nick shared his knowledge and explained everything at every step of the process. Yes, we got an affordable mortgage to purchase the house we wanted

We both had low credit scores and were struggling to get a mortgage Nick went above and beyond to help us get the best morgage deal Yes definitely! We're all happy and settled in our new house Nick did absolutely everything we needed . So no need to have done anything better . Thanks you again Nick your a legend

We were looking to re-mortgage, wanting to build extensions. He helped with personal advise, ensuring we got the best deal for us and what we needed in place to enhance our chance to being approved. Yes, defiantly. Nothing that I can think off.

Buying our first property We cannot thank Nick, Kasia & Becky enough for all the hard work they put in to helping us buy our first home! From first talking to Nick in 2023 about our options for the future and what deposit we needed, to being able to move forward a year later, he’s always been there to help and take any stresses or worries away. This company is super kind and we loved dealing with all their members of staff. No issue was too big or too small for them and they would check in with us throughout to find out what they could with. Absolutely! Nothing!

We were looking to remortgage to lock in an ongoing deal at the end of our current one Nick did all the leg work to give us a number of options to fix the interest rate over a few different terms. These were all well explained and throughly.vetted to ensure we.were.informed. Yes we have Nothing, we will be using them.again in future when it is time.to go through the process again

To get a mortgage Nick went above and beyond to get us a mortgage, they also gave advice with the solicitors and other stuff, they didnt just stop at getting an offer. 100% Nothing

We went to Nick for a mortgage 5 years ago and he sorted everything for us. We went back recently to update our mortgage to another fixed rate deal He talked through all options and got us the best deal for our new fix rate period Yes we were given the best deal on the market Nothing. Everything was done perfectly

Remortgage Nick talked us through and explained in detail all our options, as this was our first time going through the re-mortgage process. He helped us to get the best rate possible and his expertise meant this happened at exactly the right time. All our questions were answered and the process was as stress-free as we could have hoped for! Absolutely!

I need help with my mortgage Nick and his team were just amazing they talked me through the whole process and went above and beyond to help me, every step of the way they were right there with advise when needed. I am currently living in my amazing home, been in now 6 month, this would not have been possible with out nick. No I don't think they could have done anything more for me. Just amazing.

Our bank informed us we couldn’t port our existing mortgage, which would have meant thousands in early repayment charges and a more expensive new deal. Thankfully, Nick stepped in and managed to secure an agreement to port our mortgage, saving us money not only on early repayment charges but also securing lower monthly repayment fees —something we didn’t think was possible. He saved us a huge amount of money and stress, we’re very pleased we went through him. The whole process was straightforward, and Nick was always friendly, professional, and quick to respond. He took the time to explain everything clearly and made us feel really looked after from start to finish. Yes, we’d definitely recommend Spolton Mortgages to anyone looking for clear advice and great service. Thank you again for all your help! Nothing that we can think of.

Nick helped us with our first mortgage and recently remortgaging to a new house. Also supported with insurance covers. Nick was very supportive and explained things clearly in layman’s terms. He gave us all the information and guidance for us to make the best informed decision for us. The advice and support has all been very personalised, and I would not go to another mortgage adviser. Yes Nothing, as the service was amazing.

Previously had a bank provided advisor and after speaking to colleagues I realised perhaps getting an independent advisor was the best way to go. Helped us out on our past couple of fixed term mortgages and provided clear information. Yes N/A

Needed to arrange a new mortgage. Advised on how to achieve what we were looking to do Yes, everything he advised us of and we put in place yielded very positive results. Nothing everything he advised was correct.

Purchase of a house To understand the mortgage process and rates. Yes Nil

House purchase with partner. Mortgage advice and guidance. Yes. Everything was done to a great standard.

Buying an Apartment Nick was able to advise and get a mortgage organised despite my age Yes I have No improvement needed

We were first time buyers, with minimal knowledge on mortgages and the best options for us. Nick explained the process thoroughly, found us the best deal and made the application process so easy. He kept us updated with every step. Yes absolutely!

I required a mortgages to purchase a property. Nick achieved a mortgage at a fantastic rate. He was quick, efficient and extremely knowledgeable and informative. Yes. N/A

We were looking to buy our first home and wanted someone we could trust to guide us through the mortgage process. Nick was recommended by previous clients for making everything as smooth and stress-free as possible, so we decided to reach out. Nick and his team have been incredibly helpful—always available to answer our questions, offering multiple mortgage options, and giving 100% to reassure us throughout the entire process. Their support turned what could have been a stressful experience into something smooth and manageable. Definitely! When we first went for our appointment, we never expected to have our house within just 5 months. The outcome has exceeded our expectations, and we're so grateful for how smoothly everything went. Nothing at all – I believe the level of service they provide goes above and beyond expectations. The genuine care they put into building relationships with their clients is truly amazing.

I inherited some money and wanted to invest it in property. I asked friends and colleagues about mortgage advice and Nick was overwhelmingly the most recommended person. Nick gave me impartial advice on types of mortgage available to a person of my advanced age. The whole team are friendly and professional and I at no time felt pressured into accepting any policy. He also contacted the vendors and arranged a viewing for me using his excellent network of associates. He also kept in touch through the whole process until I walked int my new home. Most definitely yes In my honest opinion absolutely nothing.

I was looking to remortgage some BTL's It wasn't that straightforward but he managed to put a deal together Yes Nothing really, comms were good so no problems.

Looking for help with life insurance Nick and Kasia took the time to explain the ins and outs of insurance and advised what would be most suitable for my situation. Kasia is very knowledgeable and took the time to explain everything to me being a newbie to life insurance! Yes, I am more than happy with the cover they found me. Nothing, amazing service! Thankyou

I was looking to buy my first house on my own at 24 and knew nothing about the process, mortgages etc Nick helped find me the best mortgage deal and explained each process of buying the house right from the start to end so I could understand. any questions I had nick would answer and I felt very supported throughout Yes I finalised on my house in December 2024 with the best mortgage deal available to me at that time I do not believe that there is anything more I could have asked of Nick

Buying a house Found us our mortgage and life insurance Yes Nothing advice and service were firsr class

I was looking for a new mortgage Nick was fantastic. Made the whole process so easy and was always on hand to answer any questions I had Yes Service was excellent. Would highly recommend

Remortgages Nick took the time to produce product comparisons and met my financial needs. yes. nothing. Very professional service received

Absolutely second to none service. Nick went out of his way and totally above and beyond to help me with the best mortgage advice and mortgage lender when I was being pushed from pillar to post with the banks. Both with a mortgage and peace of mind as we were getting close to an exchange date. Put me at ease and is a very honest reliable person to deal with, completely refreshing. Absolutely yes and when my mortgage is back up for renewal I will not being going anywhere else other than Nick. Nothing could have been done better. 10/10 service from start to finish.

Buying a 2nd property to secure the sale whilst our other property was on the market. Yes. He provided the best mortgage available that we could pay a lesser penalty to pay off. Yes. Property now sold and new one paid off. Nothing.

Buying house Very professionally Yes Could be cheaper on price ?

Remortgage He has saved us a lot of money and given great advice Definitely

First time mortgage Nick was wonderful in explaining everything and finding us the best deal available for us. He was always clued up on the latest updates with availability rates and was always trying to score us the best deal to save us more money. He helped us get approved for a mortgage first time. We are now a year on happy in our first home

I wanted a trustworthy, independent advisor Nick gave me sound advice, with different options and helped me weigh up the pros and cons of different products/scenarios Yes 100% Provided biscuits with the cups of tea!!

I was looking for a mortgage to be able to complete my property purchase and Nick Spolton came highly recommended. His services were impeccable. He helped us get our mortgage sorted. Absolutely all thanks to Nick and the team Nothing they supplied a perfect service throughout.

First time house buyers! As first time buyers, going through the process of buying a house can be confusing and daunting but Nick made the process so easy for us to understand. He went through each process with nothing but guidance to ensure the best option for me and my partner. He was always on hand to answer our questions and stayed later hours to accommodate around our working hours. We’ve been in our house nearly a year now and would definitely recommend Nick. We’ll be reaching out again when our mortgage is up for renewal. n/a Nothing.

Selling/buying a property Great advise. Explained everything in simple terms. Yes Absolutely nothing

Buying a home With a mortgage Yes Nothing

I wanted to buy a house Nick guided me through the entire process of purchasing a home and applying for a mortgage, providing reliable and professional assistance at every stage. I could count on his support throughout Everything was completed in a fully satisfactory manner. Everything was completed in a fully satisfactory manner.

mortgage advice nick helped us find a much better deal outcome was as nick said everything went smoothly nothing everything was plane sailing

I needed a mortgage He got me the best deal on a mortgage Yes Made a second cup of coffee ?

We required a mortgage advisor to get he ball rolling on the purchase of a house Nick was fantastic, he listened to what we needed and made our requirements the focus of what he did first and foremost. We were able to have open and honest discussions without worrying about anything and the aftercare we received was great too. Yes Nothing

I was asked by a friend 'how important is your home'. Which I replied very important. There for I should seek professional help to get the best deal for me. By exploring the market and finding the best deal for me. Yes and then some. No.

To buy my first house. He helped in every step, from looking for a mortgage all the way until I had the keys in my hand, he was there even if I had questions afterwards. Absolutely, could not have had a better outcome.

I needed a better rate Nick helped me get a better rate than what I was on and explained everything fully Yes

Advice on a mortgage renewal Nick gave advice on all the mortgage options available to me. Nick was fantastic , taking time to explain all the options and ensure that I had full understanding of the process. Yes, fantastic service. Would highly recommend. Absolutely Nothing

Remortgaging Nick was brilliant. He walked us through all of the options very clearly and thoroughly. We will definitely going back when we renew again. Absolutely Nothing, he really is very professional, knowledgeable, clear and concise.

We used Nick to buy our first home and then again when we were ready to move again. This is the second time we’ve used Nick and his team and we had no hesitation in contacting him again to help us when we sold our property to buy a new one. His expertise and advice are second to none and he goes beyond the extra mile to get the best outcome for us. We really couldn’t have done either move without him! Absolutely! Nothing, he was perfect.

We have used Nick in the past, so decided to seek his assistance second time round also. I am self employed so it adds extra complications and find it so easy using Nicks services. Nick helps explain everything in layman’s terms, he ensures we understand what each and every company has to offer and their differences so we can make educated decisions. Twice now we have got a mortgage that is best for our needs. Genuinely really pleased with Nick every step of the way.

Buying another home Found a great mortgage and insurance 100% Nothing absolutely perfect

Not having an understanding with mortgages or insurance and protection. Nick helped by getting us the best interest rate for a renewal on our mortgage. Yes n/a

To get advice to see if I would be able to afford a mortgage, if it was likely to get a mortgage. He was able to reassure me and he gave me confidence in his knowledge in enabling me to get a mortgage on my own. Yes, Nick Spolton made sure everything was in place and he didn’t move forward until this was done. Resulting in being offered a mortgage the day after he submitted all the information. I feel Nick went above and beyond and couldn’t have done enough. Nothing needed to be done better.

An example of complete professionalism Helpful friendly and non judgmental which in our case was very welcome. I would thoroughly recommend him to anyone needing advice.

We were due to remortgage and also repay our Help to Buy loan Seth was brilliant in explaining all our options and finding us the very best deals. He never stopped searching for a good deal right until the very last moment, finding us a better deal even after receiving an initial mortgage offer. We cant thank Seth enough for all his help. Absolutely. Nothing - Seth has been a great help and got us a brilliant rate, all the while making the Help to Buy repayment an easy and straight forward process too.

Excellent communication throughout the process with Seth. He made everything easy for us. Would recommend to anyone!

Raising funds for house renovation Great advise, professional service would highly recommend Yes Seth provided an above and beyond service with a friendly approach to all my queries and concerns

As a first time buyer, I was expecting the process of buying to be a lot more stressful but so far Seth has made it much easier to understand and broken it down for me in a way that's easy to understand.

We were interested in finding out where we stood with our ability of getting a mortgage. Did we have enough of a deposit, roughly what would we be able to borrow and so on. He was able to walk us through the process clearly and precisely, with great communication and patience. We never felt out of the loop, and was very easy to deal with while being honest and up front with information. Yes, we completed on a house at the end of February. Nothing springs to mind, could not have asked for a better service.

Seth has been absolutely amazing so far advising myself and my partner on our journey to buying our first house. Things moved very quickly for us and Seth did everything he could in a short space of time to ensure our application could be made. We are very grateful

It was great to meet John! Very welcoming on meet and great cuppa upon the meeting. After discussing where I stand with my financials in my current situation. John has given me a great insight to where I stand in the current housing market to plan for the future. I will be coming back to John once I have found the house that I can put forward to see where I would stand with that.

Our first time buying a house Seth has been amazing throughout the whole process of looking for and buying a house. He helped us massively when we faced difficult situations and circumstances. He was so patient with us and was so thorough. He helped us sort our mortgage and get the best rate possible aswell as life and buildings insurance. Seth always had time for us and was always available when we needed, we couldn’t have done it without him. Yes! Nothing! To us they helped get us our dream house!

Very friendly and helpful

Seth was friendly, professional and very accommodating. He explained everything clearly and was very honest - which is refreshing. Excellent service.

I wanted to discuss options for possible mortgage and equity release details. He has provided information to enable me to potentially make big life decision. Discussed mortgage options and equity release information. Yes. Seen options. N/A

First time buyer Excellent advice and work to ensure we got the best rates available Yes

Renew my mortgage. Looked at the whole market to help us find the best deal for us. Yes, we got the best deal that suited us. Nothing.

First time buyers, very nervous about the whole process. Looking to buy our forever family home. Seth took all the stress and all the nerves and made this process so easy and smooth for us. Seth was reliable, knowledgeable and extremely kind throughout. Absolutely.

We were looking to remortgage as our deal was coming to an end Seth searched the market to find the best product and % for us but also kept us up to date through the entire process. Thank you! Yes, Seth found us a great deal that we locked in quickly to ensure we didn't loose it Seth couldn't 5 star rating!

Myself and my boyfriend are first time buyers and had no idea where to start when it came to mortgage advisors. We found Nick on Google, he was local and his website was clear and informative. We sent an email and Nick responded quickly and we took everything from there. Nick was so patient with us as first time buyers and explained every single step of the process. He answered every single question we asked and was friendly and knowledgeable. We had our mortgage secured within 3 months and that’s all thanks to Nick’s hard work and dedication! Kasia also supported us in finding insurance for our first home and was equally as knowledgeable, kind and helpful. Yes, our mortgage was sorted and in place within 3 months of contacting Nick.

Buying to let. Finding best interest rates. Yes. -

We wanted to make an educated choice of mortgage and so looked for professional help Nicks research and advice was pivotal in our decision making. He also took the hassle out of arranging the mortgage and so all we needed to do was provide information and make decisions based on his guidance. Absolutely. A straightforward mortgage application with honest advice and we feel assured that we got the best deal to suit our individual needs Nothing, it was all excellent.

Buying a new house Yes, Nick was off great help. Not just in terms of directing us to a good deal, but helping us understand the process and putting us at ease at a stressful time. The outcome has been perfect. I honestly can't imagine what could be done better.

My husband and I were first time buyers and were trying go get a mortgage when we went to Nick for advice. Nick was really friendly and knowledgeable, he helped us through every step of the way, from our first meeting with him discussing budgets and finance, all the way through to helping us secure a mortgage offer and being able to purchase our first home. We had a number of challenges along the way and he was always there to support and offer advice. He goes above and beyond to get you the best mortgage deal possible and ensure it's affordable for you in the future. We were overjoyed with the mortgage offer that Nick got for us and he helped us to secure our first much loved home.

Needing help with a morgage Nick has helped me tremendously. I came to Nick for a morgage 4 years ago with a low credit score and he worked mega hard to get me one . I've now recently sold my property and Nick is again helping with me with trying to get the best deal on a morgage with my partner. This guy is a legend! Yes i have Nick couldn't have done any better. He did everything spot on.

Mortgage advice Very approachable and very knowledgeable regarding offering the best Mortgage suitable for our needs Yes had the mortgage now for over 2 years and very happy with it Nothing

I'm a self employed contractor and was struggling to get a mortgage application sorted for my circumstances Gave me good advice and sorted out mortgage application with me face to face and other personal insurance The mortgage application went through with no problem Nothing. always available to contact with help and information

Mortgage with new partner Very helpful with advice and exploring best mortgages offers. Nick also helped me with medical insurance. Yes we got our dream home thanks to a mortgage that was affordable for us. Medical insurance gave me peace of mind. Nothing, it was all informative and helpful!

not knowing where to start and without experience of how to choose the best option Nick help and advice me to choose the bespoke’s mortgage for me Yes Give me a coffe more

Following Nick helping our initial remortgage and associated insurances and protection, we knew exactly who to ask for help with our recent review Nick was thorough and methodical in his help and advise, and explained the process and allowed us to make informed decisions about what would be best for us Most definitely

We were looking for a mortgage on a new self build home. Nick was able to secure a great 5 year fixed deal for us, he always went the extra mile, great communication, and easy to deal with. Yes.

Needed a mortgage Found me a mortgage to suit my needs Yes

Mortgage renewal Advised on mortgage renewals yes N/A

Remortgage Buy properties Yes Nothing

Used Nick Spolton before and he has always provided me with good advice Finding the right mortgage deal Yes In my opinion, nothing

Remortgage on current property Help me find the best deal for our mortgage Yes Nothing, All done perfect, like always

I wanted to but a house Nick advised me on mortgage Yes Everything is perfect and professionally

Remortgage Yes Yes Nothing

We needed to review our mortgage and life cover Nick gave us sound advice without loads of jargon and explained every step with patience. He has a great understanding of how to help people and I would be more than happy to recommend him We have definitely seen great benefits in talking to Nock Absolutely nothing second to none advice and support

I wanted advice about porting my mortgage and also how it would fit in with the fixed rate period ending. I was planning move to help my financial situation. Nick helped with my initial query but was also perceptive in picking up that I didn't really want to move. This gave me the courage to take my house off the market. Nick then helped me with remortgaging as a way to get my finances on a stronger footing. His research was thorough, he explained everything very clearly, gave me regular updates and chased legal for me. There is no way I could have managed things without Nick's expertise and wisdom. Yes. My financial situation is much better and I'm really glad I didn't move house. Nothing at all.

Applying for a mortgage Yes, it was fantastic, one to one service. Great value. Yes very much felt supported throughout. Nothing. Nick and his team were conntactable, reassuring, helpful and clearly explained what my choices were.

I was looking at housing options and the possibility of a new house and new mortgage or a re mortgage of current property. Nick went through a number of different options and scenarios with various financial options. He was very conscientious and sensitive to my situation and I didn't feel at all pressured for any specific product. Yes, I managed a new mortgage and some long term planning. Nothing;

Local search Mortgage advice. We have used him twice. We will use Nick every time and highly recommend. Yes Nothing. Nick is very professional with sound advise.

Moving house needed new mortgage Secured the best deal without being pushy for me. Yes Nothing

To help with the help to buy scheme and home insurance / morgage Explains in depth any questions or queries I had in a professional manner Yes I shall be using him again come Jan 2025 for the remorgage Nothing excellent

We needed to get a mortgage and advice Yes Yes Nothing

First time buyers looking for a mortgage Nick was very informative and professional throughout and we achieved exactly what we had in mind from the start with excellent advice and guidance from Nick. Yes

A rather complicated domestic situation meant that I did not feel confident enough to apply for a mortgage but Nick sorted everything out with ease and managed to get me not only a mortgage but a brilliant deal! Without Nick I doubt I would have known how to get a mortgage bearing in mind my complex situation but he did it! Yes, perfect outcome! Nothing, he sorted everything out, always reassuring me it would be fine!

Looking for a mortgage Helped me understand and obtained a mortgage for me to buy my own home Yes Nothing

I was looking to buy my first home and needed advice on how to go about things, what I could get on a mortgage etc. Nick was absolutely outstanding in all aspects of his service. He gave valuable advice, explained the whole process in detail and went above and beyond to find me the best deal on a mortgage. 100% I achieved the outcome I was looking for. I was overwhelmed and delighted to secure a mortgage thanks to Nick. Nothing at all, outstanding from start to finish. So friendly and made me feel comfortable throughout.

Extension Great service Yes Nick was very helpful. Nothing

Mortgage advice and deals Made the whole mortgage application run smoothly. Mortgage deal achieved Nothing.

Looking for a mortgage Indicated and guided through best deals and what would be best suited for my needs. Yes. Nothing

We were looking to buy our first shared home together. Nick came highly recommended by several of my contacts. He made the process of sorting out a mortgage very easy, I have attempted this before myself and I wish that I had known him on that occasion. He made the whole application so simple and all we had to do was answer a few basic questions and sign. He did the rest. Yes, All the payments were sorted and we have now been the new house for 2 years. I cannot fault any of the process as Nick and his team are extremely organised.

My husband and I needed mortgage advice to buy a home to live in and convert to a buy to let mortgage on our former home. Nick really helped, he gave us expert advice and secured a brilliant interest rate for us. Nick made the process efficient and hassle free, thank you. Yes absolutely, we are very happy with the outcome. Nothing.

I needed a mortgage and the market was so confusing. Nick went above and beyond to find the right mortgage providers with the best deals to suit my budget. He was diligent, professional and very patient at a stressful time. We had issues with the sellers and the solicitors and Nick was amazing in helping us overcome this. We now have our dream home. Thank you Nick!!! Nothing in all honesty

Inherited 50% share of house and needed mortgage for the other half He was very helpful as we didn't realise we needed to have a remortgage rather than a first mortgage. And was able to answer all questions Yes they did, and kept us informed at all times Nothing

Mortgage advice for new house purchase. Mortgage advice. Yes, good mortgage deal allowing us the purchase the home we wanted. Nothing, excellent service.

First time buyer Helped me find a mortgage and organise insurances Yes Nothing

Self build mortgage and looking for a fixed mortgage deal following completion of house build Nick gave excellent advice . I had completed a self build project and he ensured I obtained the mortgage that best suited my needs . Nick liaised with my solicitor to ensure my mortgage was completed before the rate increased . Nick went above and beyond . I do not believe I would have the excellent deal I have if it wasn’t for Nick and his team Yes . I obtained a mortgage at a great rate They could not have done any more . The service was outstanding

Due to our circumstances we found we needed to see an independent advisor as the banks were unable to find a product that suited our needs. From the first phone call Nick put us at ease and reassured us that he could help. Nick was incredibly thorough in his searches but kept us informed throughout the process as to what he was trying to achieve for us. We hit a few dead ends but throughout he remained positive, the right deal came up and we took it. I felt Nick was very easy to deal with, he answered all my questions, no matter how silly they may have been - sorry Nick! :) I am now in my 2nd property that Nick has help me with, even on the 2nd time around he still answered my silly questions...yes I had more! On both occasions I feel we got the best deal possible for us. His coffee making skills are slightly lacking...

With my partner we would like to buy a house and Nick was recommended by my sister. First of all he explained everything and went through the process with us. He is always available when I need him. Yes, Nick is very helpful and explained whole process and answer all difficult and less difficult questions.

House purchase. Nick has been there for us on more than one occasion, both finding the best mortgage for us and releasing further funds when we needed it. Absolutely ? The office could have been more accessible. But, I understand even this has been resolved.

To guide us through sale and purchase of property. He went above and beyond his job discription to help the sale go through. Without his guide and actions, everything would have fell through. Can’t thank him enough. Yes He did exactly what we hoped at a very fast and highly professional speed. Always available and the move was only made possible because of his actions.

Recommended on social media Stress free house purchase Definitely Nothing great professional service

Nick was recommended to me by the Estate Agent after having made an offer on my first time house purchase. Nick helped me by taking the time to get a clear idea of my financial position and which mortgage products would be most suitable to meet my needs. He also submitted my mortgage application however before doing so ensured he had absolutely everything paperwork and evidence to make the process hassle free, my mortgage application was processed and I had my decision and offer within a few days. Absolutely! And crucially, having anticipated an increase in mortgage rates was advised to take a 5 year fixed deal almost 18 months ago, I am very grateful of this in the current climate and have another 3 years for this to hopefully settle down a little. I was pleased with the service from start to finish, Nick acted on things on a timely manner and followed up with agent/ Solicitors- I am grateful hearing others stories about mortgages to have had the advice and help I had.

We were looking to move house & wanted to understand how much we could borrow Nick spent time discussing our options & understanding what was important to us Yes both my husband & I were able to make a decision on the best outcome for us Nothing, Nick gave us clear well explained advice

I was looking for an advisor to help me find my first mortgage. He managed, researched and provided me with all the options then took care of getting it authorised. Yes

We were looking to buy our first home and wanted to consult with a mortgage advisor to see what the best options were for us. Nick has been exceptionally helpful in providing us with all of the relevant information, explaining everything to us, and answering any questions we had to see what the best options were for us and our situation. He has always been so prompt with his replies to our emails too. Kasia was also very helpful in providing us with information regarding insurance and what was available to us. This was again something we were very unsure of, so all of this helped us immensely. Yes, definitely. We are so glad that we took Nick's advice on various issues as it really has given us the best outcome. Nothing, the service was all we wanted and so much more.

Was looking at purchasing a property Nick has arranged my mortgage for me Yes Nothing

I have dealt with Nick on a professional level for several years, and when the time came to purchase my new house, I knew that I would receive the same level of high quality service and advice. There was no question in my mind that Nick was the right choice. Nick helped us to look at our mortgage at the time and advised on how best to move forward to enable us to have a revised mortgage to purchase our current home. Being self employed, I was extremely grateful to him for the advice given which resulted in a successful mortgage offer. Absolutely, 100%. Nothing, Nick is a first rate advisor with years of experience. I would use him again if we ever change property, and will certainly continue to use his services when we come to re-mortgage in the future.

Buying our first home Nick was excellent from start to finish with knowledge and Advice. The house we bought was non standard construction with complications, Nick went the extra mile and did some extra research to ensure we knew exactly what road we were on and found us the best deal at the time of purchase Yes, almost a year in our home Nothing, he exceeded our expectations

Buying my first house He helped with explaining different mortgages, different ways in which first time buyers can buy 100% yes absolutely nothing

Initially a new mortgage, then a renewal following a fixed rate ending Nick was able to source the best deal For my circumstances on both occasions Very happy No improvement required

Initially first time buyer, now term is up for renewal Helped weigh out options we were unsure on Yes

Mortgage Nick has helped myself and my husband twice now, highly recommend Nick, he is very knowledgeable in what he does and always works hard to secure the best rates possible. He kept us up to date every step of the way and we would not go to any one else in the future but Nick. Thank you! Yes Nothing!!

Buying our house Nick and his team were amazing as we were first time buyers so really helped us through everything so much so my son has just bought a new house and also used Nick Yes we have our dream house Nothing at all

i was looking for an adviser to find me a mortgage deal , and tried Nick , he was awesome and helpful. He helped me find the best mortgage deal. Yes i am happy with the result. he did his best , more than my expectation.

Nick arrived in our lives when we were making BIG decisions. He has a wonderful absence of the sheepskin coated smarm of most people who work in finance. He was objective and honest! Thanks, Nick. Got us a great deal! It wasn’t easy! Yes. I think, at one point, he needed to retie a shoelace…(this means…nothing!)

Potential house move Many ways _ Nothing

Mortgage rate expiring Nick has given me various mortgage options and advised of the best rate to go for my circumstances. Yes I have got my mortgage offer sorted so it will go through in February in plenty of time. Nothing.

Initially to buy my ex husband out of our house and then again when I moved again Nick found me a mortgage that was perfect for me when I bought my ex out of the house. When I moved again he found he another fantastic mortgage deal. Nick is fantastic, he responds quickly and knows exactly what you need Yes - 100% Nothing - I will use Nick again in the future when the need arises and wouldn’t hesitate in recommending him to everyone

From my previous bad experience when I have lost my dream house and lost lots of money for nothing because the company with I was working did not advise me properly He maid it happened With his advice about finances,I was abale to buy the house Yes Nick was grate had lots of patience with me after my first bad experience I was asking a million of questions to him and he took the time to reply to all of them Nothing,all was perfect

Buying a house He was very friendly and helpful Yes Everything was spot on

Purchase of first house He provided continuous and bespoke support throughout the process going above and beyond to make it as stress free as possible. Despite unexpected hurdles that Nick helped us navigate we eventually moved into our first home.

Myself and parter were looking into buying a new property, and Nick was very helpful with finding the best mortgage deal that suited us. He also helped with insurance policy. Provided us with lots of information and was always there to answer any questions we had. Yes, we bought our beautiful house There was nothing else Nick could have done to help.

To find the best deal while renewing my mortgage. Nick has been professional and efficient throughout the process. Explaining clearly the options out there and finding the best deal for me. Yes a mortgage that is affordable and allows me to be confident with my current finances. N/A

New Mortgage Source the best deal for my personal financial circumstances Yes Nothing

We needed help with finding the best way / deals on a remortgage Nick really helped us not only finding the best remortgage deal that was on the market but also his advice was so helpful Yes, we are really happy with the rate we got especially in the current economy situation Nothing!!

I wanted to move house, but could not find a lender. Nick not only found me multiple lenders, but gave me advice to increase my credit score and helped me argue my case with my existing lender to port to my new property and save a substantial amount. Yes, and he even helped me get my offer on a new house accepted quickly. Nothing

I was recommended nick by a friend. Mortgage advice and calculating my options Yes Nothing

Re mortgage Very friendly , trustworthy service , lots of advice and options with no pressure . Perfect service in my mind Yes Really only thing that Nick could do extra is give a nice chocolate biscuit with the coffee !

Securing a mortgage for buying our first house Nick worked tirelessly to secure us a mortgage offer when this was no easy feat due to the mortgage rates rising daily. We can honestly say we would not have our home today if it wasn’t for Nick at Spolton mortgages! He really is the best! 100%, not only did Nick do everything he could for us, working extra hours to secure us our mortgage he also sorted out our life and home insurance too. Nothing. We cannot fault a single part of the process. Nick went above and beyond to ensure he got us the best deal possible.

First time buyers who were looking for support and advice from a friendly, recommended advisor. Nick has been readily available to contact. He is personable and knowledgeable and made us feel well supported and guided through mortgaging and remortgaging our house. Yes. Would highly recommend.