Free mortgage calculator

Mortgage deal comparison calculator

Compare two mortgage options using rates, fees and fixed periods.

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 lower rate is not always the cheaper deal once fees are included. We compare the true cost for you.

Remortgaging Remortgaging FAQs

Cheapest rate is not always cheapest deal

A headline rate can look great until you add the fees. This calculator compares two deals over their fixed periods, including fees, so you can see which is better value.

We do this for hundreds of clients across the whole market, weighing rate, fees and what happens when the fixed term ends.

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

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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

We were looking to buy our first home and wanted someone we could trust to guide us through the mortgage process. Nick was recommended by previous clients for making everything as smooth and stress-free as possible, so we decided to reach out. Nick and his team have been incredibly helpful—always available to answer our questions, offering multiple mortgage options, and giving 100% to reassure us throughout the entire process. Their support turned what could have been a stressful experience into something smooth and manageable. Definitely! When we first went for our appointment, we never expected to have our house within just 5 months. The outcome has exceeded our expectations, and we're so grateful for how smoothly everything went. Nothing at all – I believe the level of service they provide goes above and beyond expectations. The genuine care they put into building relationships with their clients is truly amazing.

Verified client in Lincolnshire

Review of Nick Spolton

VouchedFor

Nick arrived in our lives when we were making BIG decisions. He has a wonderful absence of the sheepskin coated smarm of most people who work in finance. He was objective and honest! Thanks, Nick. Got us a great deal! It wasn’t easy! Yes. I think, at one point, he needed to retie a shoelace…(this means…nothing!)

Verified client in Lincolnshire

Review of Nick Spolton

VouchedFor

We required a mortgage advisor to get he ball rolling on the purchase of a house Nick was fantastic, he listened to what we needed and made our requirements the focus of what he did first and foremost. We were able to have open and honest discussions without worrying about anything and the aftercare we received was great too. Yes Nothing

Verified client in Lincolnshire

Review of Nick Spolton

VouchedFor

Myself and parter were looking into buying a new property, and Nick was very helpful with finding the best mortgage deal that suited us. He also helped with insurance policy. Provided us with lots of information and was always there to answer any questions we had. Yes, we bought our beautiful house There was nothing else Nick could have done to help.

Verified client in Lincolnshire

Review of Nick Spolton

VouchedFor

To find the best deal while renewing my mortgage. Nick has been professional and efficient throughout the process. Explaining clearly the options out there and finding the best deal for me. Yes a mortgage that is affordable and allows me to be confident with my current finances. N/A

Verified client in Lincolnshire

Review of Nick Spolton

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.