Even modest monthly overpayments can shave years off your mortgage and save a meaningful amount of interest. Enter your balance, rate, years remaining and a monthly overpayment to see the effect.

Most lenders allow overpayments of up to 10% of the balance each year without penalty, but check your deal. We can review whether overpaying or remortgaging makes more sense for you.

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

Buying our first home Nick was excellent from start to finish with knowledge and Advice. The house we bought was non standard construction with complications, Nick went the extra mile and did some extra research to ensure we knew exactly what road we were on and found us the best deal at the time of purchase Yes, almost a year in our home Nothing, he exceeded our expectations

Verified client in Lincolnshire

Review of Nick Spolton

VouchedFor

Buying our first property We cannot thank Nick, Kasia & Becky enough for all the hard work they put in to helping us buy our first home! From first talking to Nick in 2023 about our options for the future and what deposit we needed, to being able to move forward a year later, he’s always been there to help and take any stresses or worries away. This company is super kind and we loved dealing with all their members of staff. No issue was too big or too small for them and they would check in with us throughout to find out what they could with. Absolutely! Nothing!

Verified client in West Yorkshire

Review of Nick Spolton

VouchedFor

I was looking for a new mortgage Nick was fantastic. Made the whole process so easy and was always on hand to answer any questions I had Yes Service was excellent. Would highly recommend

Verified client in Lincolnshire

Review of Nick Spolton

VouchedFor

As a first time buyer, I was expecting the process of buying to be a lot more stressful but so far Seth has made it much easier to understand and broken it down for me in a way that's easy to understand.

Verified client

Review of Seth Jackson

VouchedFor

Following Nick helping our initial remortgage and associated insurances and protection, we knew exactly who to ask for help with our recent review Nick was thorough and methodical in his help and advise, and explained the process and allowed us to make informed decisions about what would be best for us Most definitely

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

701

Five-star reviews

5.0★

Average rating

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