Local, whole-of-market advice
Looking for a mortgage broker in Lincoln? We are a straight run south on the A15 in Sleaford, offering friendly, whole-of-market mortgage and protection advice to Lincoln buyers and homeowners. Free until your offer is approved.
Lincoln sits on the A15, A46 and A57, a straight run south on the A15 to our Sleaford office, with Lincoln Central station linking to the East Coast Main Line at Newark.
Plenty of Lincoln clients pop into our Sleaford office for a coffee, while others do everything by phone and video. Either way, we compare lenders right across the market to find the deal that fits you, not just the one your own bank happens to offer.
A mix of Victorian uphill and downhill terraces, 1930s semis, modern estates and city-centre flats. Lincoln is famous for its medieval Cathedral and Castle, home to an original 1215 Magna Carta, the cobbled Steep Hill and Bailgate, the Brayford Pool waterfront and the University of Lincoln. With average prices around £215,000, we will tell you honestly what you can borrow and which lenders suit the kind of home you are buying.
You deal with the same adviser from the first chat to the keys, handling the application, talking to the lender and chasing your solicitor so nothing lands on you unexpectedly.
Local to you
About 17 miles north of our Sleaford office.
Lincoln sits on the A15, A46 and A57, a straight run south on the A15 to our Sleaford office, with Lincoln Central station linking to the East Coast Main Line at Newark.
Lincoln is famous for its medieval Cathedral and Castle, home to an original 1215 Magna Carta, the cobbled Steep Hill and Bailgate, the Brayford Pool waterfront and the University of Lincoln.
Get directions to our Sleaford officeRather not travel? We advise plenty of Lincoln clients by phone and video, on Zoom, Microsoft Teams or Google Meet, at a time that suits you. Pop into the Sleaford office or meet online, whichever is easier.
Property in Lincoln
Average prices by property type
Figures are a guide to the local market. We will work out exactly what you could borrow for your own purchase.
New developments
Links are provided for convenience only. Spolton Mortgages is independent and does not endorse, promote or have any affiliation with these developments or developers.
How we help
Local service pages for Lincoln
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.
What clients say
261 reviews on Google and 447 on VouchedFor for 4 advisers, all independently verified. A 5.0 average across both.
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
Good to know
We are in Sleaford, about seventeen miles south straight down the A15, roughly thirty minutes by car. Visit in person or work remotely by video and phone.
Our advice is free until you receive a fully approved mortgage offer. A fee then applies, typically £299, and £199 for Armed Forces and Blue Light Card holders.
Yes. We guide first-time buyers through every step and know which lenders welcome smaller deposits, flats and new-build purchases.
Nearby
Real people, real advice
You will deal with a named adviser from start to finish, backed by an administration team who keep your case moving. Here is who you will be working with.
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.
