Armed Forces
Help to Buy Scheme.

Welcome to Spolton Mortgages, where we specialise in helping service personnel achieve their dream of homeownership by utilising the Armed Forces Help to Buy Scheme.

Nick Spolton
Defence Discount Services
Armed Forces Covenant

At Spolton Mortgages, we understand that purchasing a home can be a complicated and stressful process, especially for those in the armed forces.

That’s why we’ve made it our mission to simplify the process for you and your family.

As a family-run business, we believe in building enduring customer relationships. Our team of specialists, led by Nick Spolton, a former Senior Bank Manager at Lloyds Bank, is dedicated to providing you with straightforward, honest advice and support throughout your mortgage journey.

One of our specialities is helping service personnel access the Forces Help to Buy Scheme. The scheme enables service personnel to borrow up to 50% of their salary, up to a maximum of £25,000 interest-free towards purchasing a property. It’s an excellent way for service personnel to achieve homeownership, and we have helped many clients access this scheme.

Our experience and unique approach mean that we really understand the problems faced by service personnel.  We understand that service personnel may want to buy a house but will often spend a couple of years or more posted away to other parts of the world. 

We can help get a mortgage with a typical deposit and work with lenders that will allow the property to be rented out whilst at the same time using a standard residential mortgage. This is an excellent option for service personnel who are often on the move and want to secure a home for their future while also having a tenant who can help to pay the mortgage whilst posted away.

We have years of experience working with service personnel and have helped many clients purchase their first homes, including those based at RAF bases near our office in Sleaford, Lincolnshire.

If you’re ready to take the first step towards homeownership, we’d love to hear from you. Contact us today to schedule a consultation with one of our specialists. We’ll work with you to understand your unique situation and help you confidently navigate the mortgage process.

Don’t let the stress and complexity of purchasing a home hold you back. Let Spolton Mortgages simplify the process for you and your family. Contact us today, and let us help you achieve your dream of homeownership.

Arrange a free help to buy
mortgage consultation.

Benefits of using the Forces
Help to Buy Scheme.

  1. Low deposit requirement: The Forces Help to Buy Scheme allows service personnel to borrow up to 50% of their salary, up to a maximum of £25,000, towards purchasing a property, which can help to reduce the amount of money needed for a deposit.

  2. Interest-free loan: The loan provided under the scheme is interest-free, which means that service personnel will not have to pay any additional interest on the loan amount, making it more affordable.

  3. Increased home ownership: The Forces Help to Buy Scheme aims to address the low rate of home ownership within the armed forces by providing service personnel with more affordable options for homeownership.

  4. Flexibility: The scheme allows service personnel to take a mortgage with a typical deposit and rent the property out straight away with some lenders, allowing them to buy using a standard residential mortgage (not buy to let) and rent the house out. This is a great option for service personnel who are often on the move and want to secure a home for their future while also having a tenant pay the mortgage.

  5. Recognition of the positive impact of owning a home: The Forces Help to Buy Scheme recognises the positive impact owning a home can have during an inherently mobile career, it’s a way to ensure that service personnel have a stable home to return to and a sense of belonging.

Armed Forces
personnel testimonials.

See how we’ve helped others achieve their dream of homeownership.

As first time buyers with very little clue on what to do, Nick took us beginning to end and was very patient explaining everything so that my partner and i were happy we have made the right decisions for our situation. Very friendly and gives you more time than he probably has but works hard and definitely cares he is giving you the best service!

Did an absolutely amazing job with our remortgage, even when on a tight deadline line and when I was out the country struggling with communication, managed to get us an amazing deal in the right time, incredibly polite and helpful!! Will definitely be staying with them for next time. Very reasonable in price for the standard of service you get.

Remortgaged and sorted life insurance with Nick and Kasia at the start of the pandemic. Throughout the process we were always kept informed during any delays and we always had 100% trust that they would provide the best options. Fantastic service from a superb business.

Let Spolton Mortgages guide you through the process of purchasing a home.

  • Experience and knowledge: Spolton Mortgages has years of experience working with service personnel and has helped many clients purchase their first homes.
  • A team of experienced specialists, led by Nick Spolton, a former Senior Bank Manager at Lloyds Bank, has the knowledge and experience to guide service personnel through purchasing a home and accessing the Forces Help to Buy Scheme.
  • Family values: Spolton Mortgages is a family-run business that believes in building enduring relationships with its customers. They understand the importance of family and community for service personnel and work to create a stress-free and comfortable experience for their clients.
  • Honesty and transparency: Spolton Mortgages prides itself on providing straightforward, honest advice to its clients. They understand that purchasing a home can be a complicated and stressful process, and they work to simplify the process for their clients by providing precise and transparent information throughout the mortgage journey.
  • Unique approach: Spolton Mortgages has a unique approach that allows service personnel to take a mortgage with a typical deposit and rent the property straight away with some lenders, allowing them to buy using a standard residential mortgage (not buy to let) and rent the house out. This is an excellent option for service personnel who are often on the move and want to secure a home for their future while also having a tenant pay the mortgage.
  • Expertise in the Forces Help to Buy Scheme: Spolton Mortgages is an expert in helping service personnel access the Forces Help to Buy Scheme. They have helped many clients access the scheme and understand the ins and outs of the program, making the process of accessing the scheme smoother for their clients.

Arrange a free help to buy
mortgage consultation.

The initial consultation to establish your requirements is free. For mortgage advice, we charge an upfront fee of £199. A further typical fee may be payable – up to a total maximum of £498 – depending on your circumstances. Your home may be repossessed if you do not keep up repayments on your mortgage. Wills are not regulated by the Financial Conduct Authority. Crystal Clear Financial Planning Limited are not acting as appointed representatives of Stonebridge Mortgage Solutions Ltd for Will Writing. Crystal Clear Financial Planning Limited is an appointed representative of Stonebridge Mortgage Solutions Limited, which is authorised and regulated by the Financial Conduct Authority (FCA) Spolton Mortgages is a trading name of Crystal Clear Financial Planning Limited.

Forces help to buy scheme

At Spolton Mortgages, we understand that purchasing a home can be a complicated and stressful process, especially for those in the armed forces.

Don’t let the stress and complexity of purchasing a home hold you back. Let Spolton Mortgages simplify the process for you and your family. Fill in the short form below, and let us help you achieve your dream of homeownership.