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Expert advice on protecting your income with income protection insurance to cover your mortgage and bills across Lincolnshire.
Income protection pays a monthly benefit if you can’t work due to illness or injury. Unlike life insurance, which only pays on death, income protection is designed to replace lost earnings while you’re still alive.
Key features:
Many homeowners use income protection to make sure mortgage payments and household bills are covered if they’re unable to work. Alternatives to consider include critical illness cover (pays a lump sum) or life insurance (covers the mortgage on death). For impartial guidance, see MoneyHelper’s income protection guide.
Why income protection matters in Lincolnshire
With years of mortgage experience and a no-nonsense approach, we’re here to make the mortgage process simple and stress-free.
Local property values mean mortgages often run into hundreds of thousands of pounds. ONS figures (July 2025) show averages of £237,000 in North Kesteven (Sleaford) and £184,000 in Lincoln. A typical £180,000 repayment mortgage costs £900–£1,000 a month — a payment many households couldn’t cover without income.
We’ll tailor cover to your income, mortgage balance and employer sick pay, so you only pay for protection you need.
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.
