Free mortgage calculator

Mortgage deposit calculator

See what your deposit means for your loan, your loan to value and your options.

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

5.0★ · 718 reviews No fee until approved
718
Five-star reviews
271
on Google
447
on VouchedFor
Top Rated
VouchedFor 2019–2026
Local
Family-run since 2017
FCA
Registered · No. 993383

Deposit size can affect lender choice, the rates available and the overall cost of borrowing.

Why your deposit matters

Your deposit sets your loan to value (LTV), which is the share of the property you are borrowing. A lower LTV usually unlocks lower rates, so even a slightly bigger deposit can reduce the overall cost.

Enter the price and your deposit to see your LTV and loan amount, plus what a 5% and 10% deposit would be. Then talk to us about which lenders suit your deposit.

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

First-Time Buyer Mortgages First-Time Buyers FAQs

Other mortgage calculators

Mortgage repayment calculatorSee estimated monthly payments, interest and total cost.Mortgage affordability calculatorGet a guide to how much you could borrow.How long to save for a house depositSee how long it could take to save your deposit.Stamp duty calculatorEstimate the stamp duty (SDLT) on your purchase.Total cost of buying a house calculatorBudget the full cash cost of buying a home.Mortgage deal comparison calculatorCompare two deals on rate, fees and fixed period.

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718 verified reviews, rated 5.0

271 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

My mortgage was up for renewal Nick saved us a lot of time when looking to renew our mortgage and and made everything as simple as possible Yes we have Nothing everything was fine

Verified client in Lincolnshire
Review of Nick Spolton
718
Five-star reviews
271
on Google
447
on VouchedFor
5.0★
Average rating

Read all 718 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.

01529 300500
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.

Call us

01529 300500

Email us

info@spolton.mortgage

Visit or get directions

6, Mill House, Carre Street,
Sleaford, Lincolnshire NG34 7TW

Opening hours

Monday
8:30am – 5:30pm
Tuesday
8:30am – 5:30pm
Wednesday
8:30am – 5:30pm
Thursday
8:30am – 5:30pm
Friday
8:30am – 5:30pm
Saturday
10:00am – 1:00pm
Sunday
Closed

Online operating hours

Monday
Open 24 hours
Tuesday
Open 24 hours
Wednesday
Open 24 hours
Thursday
Open 24 hours
Friday
Open 24 hours
Saturday
Open 24 hours
Sunday
Open 24 hours

A family-run, whole-of-market mortgage and protection adviser based in Sleaford, Lincolnshire. Founded in 2017 by former bank managers Nick and Kasia Spolton, we serve clients across Lincolnshire and the UK with clear, jargon-free advice by phone, video or in person. Rated 5 stars with 718+ verified reviews across Google and VouchedFor.

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Mortgages

Protection

Company

Accessibility

  • Wheelchair-accessible car park
  • Wheelchair-accessible entrance
  • Wheelchair-accessible seating
  • Wheelchair-accessible toilet

Parking

  • Paid and free parking available

Service options

  • Online appointments
  • On-site services

Regulatory status

FCA Registered · No. 993383 Appointed Representative of Stonebridge Mortgage Solutions Ltd Companies House · 10903440 Est. 2017

View our entry on the FCA Register

Mortgage lenders

Aldermore TSB NatWest Barclays Skipton West Brom + whole of market

Protection partners

Aviva Legal & General LV= Royal London Vitality + more

Important information

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.

Financial Conduct Authority FCA Register
Firm 993383 Information Commissioner’s Office ICO Registered
ZA391497

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