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.

707

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

707 verified reviews, rated 5.0

260 reviews on Google and 447 on VouchedFor for 4 advisers, all independently verified. A 5.0 average across both.

5.0 average · Google & VouchedFor

VouchedFor

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.

Verified client in Lincolnshire

Review of Nick Spolton

VouchedFor

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.

Verified client in Lincolnshire

Review of Nick Spolton

VouchedFor

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.

Verified client in Lincolnshire

Review of Nick Spolton

VouchedFor

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

Verified client in Lincolnshire

Review of Nick Spolton

VouchedFor

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!

Verified client in Lincolnshire

Review of Nick Spolton

707

Five-star reviews

5.0★

Average rating

Read all 707 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.