Free mortgage calculator

Life insurance calculator

Estimate the life cover your family may need to stay secure.

Built and checked by the advisers at Spolton Mortgages, former bank managers who are CeMAP qualified and FCA registered.

701

Five-star reviews

VouchedFor 2019–2026

Local

Family-run since 2017

Registered · No. 993383

A guide only. A protection adviser will tailor the type and amount of cover to your circumstances.

Life Insurance

How much life cover do you need?

A common starting point is enough to clear your mortgage and debts, plus a sum to replace your income for the years your family would need it, less any cover you already have. This calculator gives a guide figure.

The right protection is rarely just one policy. We advise on level and decreasing life cover, critical illness cover and income protection, and set policies up in trust where it helps.

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What clients say

701 verified reviews, rated 5.0

258 reviews on Google and 443 on VouchedFor for 4 advisers, all independently verified. A 5.0 average across both.

5.0 average · Google & VouchedFor

VouchedFor

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

Verified client in Lincolnshire

Review of Seth Jackson

VouchedFor

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.

Verified client in Lincolnshire

Review of Nick Spolton

VouchedFor

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.

Verified client in Lincolnshire

Review of Nick Spolton

VouchedFor

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!!

Verified client in Lincolnshire

Review of Nick Spolton

VouchedFor

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.

Verified client in Lincolnshire

Review of Nick Spolton

VouchedFor

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.

Verified client in Lincolnshire

Review of Seth Jackson

701

Five-star reviews

5.0★

Average rating

Read all 701 reviews

From first chat to front-door key

Let’s make your move simple

Free, no-obligation consultation. We listen, compare the whole market, and hand you a clear plan, no jargon.

Free until your offer is approved No jargon, no pressure Whole-of-market advice

Your home/property may be repossessed if you do not keep up repayments on your mortgage.

Our service is free until you receive a fully approved mortgage offer. There may then be a charge which, depending on your circumstances, will typically be £299, payable upon receipt of an approved mortgage offer. Our fee is discounted to £199 for Armed Forces and Blue Light Card holders.

Our fee is discounted to £199 for Armed Forces and Blue Light Card holders.

For remortgages, if best advice is to switch rates with your existing lender then we charge no fee at all.

Your home/property may be repossessed if you do not keep up repayments on your mortgage.
You may have to pay an early repayment charge to your existing lender if you remortgage.
As with all insurance policies, conditions and exclusions will apply.
Not all Buy to Let Mortgages are regulated by the Financial Conduct Authority.
Equity release is arranged by introduction only.

Spolton Mortgages is a trading style of Spolton Ltd, which is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. FCA Number 993383.

Founded and incorporated on 7 August 2017. Spolton Mortgages is a trading name of Spolton Ltd (FCA Number 993383). Registered Company Number: 10903440 (view on Companies House). Registered in England and Wales.

Registered Office: Spolton Ltd, Spolton Mortgages, 6 Mill House, Carre Street, Sleaford, Lincolnshire NG34 7TW.