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  • Call 01529 300500
  • Home
  • Mortgages
    • First-Time Buyer Mortgages
    • Moving Home Mortgages
    • Remortgaging
    • Buy-To-Let Mortgages
    • Later Life Lending and Equity Release Mortgages
  • Insurance
    • Home Insurance
    • Life Insurance
    • Critical Illness Cover
  • Useful Links
    • Client Portal
    • How much can I borrow
    • Check your credit file
    • Stamp duty calculator
    • Check EPC
    • Life Insurance Quote
    • Enquire and Apply Online
  • About us
  • Contact an Expert
  • Call 01529 300500
  1. Home
  2. Mortgage FAQs
  3. First Time Buyers

First Time Buyers FAQs

  • Can I get a 25 year mortgage at age 55?
  • Can I get a mortgage with a 20k salary?
  • Do first-time buyers get 50% off?
  • How much can I borrow on a 40K salary in the UK?
  • How much deposit for a 300k house first-time buyer?
  • How much is 13.50 an hour annually?
  • How much loan can I get on 18000 salary?
  • How much money do you need as a first-time buyer?
  • How to avoid paying 5% stamp duty?
  • Is a 30k salary enough to buy a house?
  • Is a mortgage always 4.5 times your salary?
  • Should I wait to buy a house in the UK in 2026?
  • What are first-time buyers entitled to?
  • What are the new rules for first-time buyers?
  • What credit score is needed for a mortgage?
  • What do first-time buyers not pay?
  • What is a 5.5 times salary mortgage?
  • What is a good salary in the UK for a single person?
  • What is a top 2% salary in the UK?
  • What is the minimum salary for a 300k house?
  • What salary do I need for a 200k mortgage in the UK?
  • What salary do I need for a 300k mortgage in the UK?
  • Who is exempt from stamp duty?
  • Will first-time buyers have to pay stamp duty in 2026?

How to Reach Us

Pop into our Sleaford office for a chat, give us a call, or drop us a message. No jargon, just honest advice to help you move forward with your mortgage application with confidence.

Call

01529 300500

Email

info@spolton.mortgage

Visit

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

Click to get directions

Opening Hours

Monday to Friday: 9:00am – 5:00pm
Saturday: 10:00am – 1:00pm
Sunday: Closed

Spolton Mortgages

Spolton Mortgages is a local, independent mortgage and insurance broker based in Sleaford, Lincolnshire. We provide clear, straightforward mortgage advice to clients in Sleaford, Lincoln, North Hykeham and across the surrounding towns and villages.

From first-time buyers in Lincoln to landlords in Newark and Grantham, we help homeowners make confident decisions with practical, honest advice.

Founded and Incorporated on in 2017 by former Lloyds Bank managers, we offer clear, jargon-free advice by phone, video or in person. Rated 5 stars with 658+ verified reviews across Google and Vouched for, we’re trusted by families, investors and service personnel across Lincolnshire.

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Locations

Radcliffe on Trent

Lincoln

Mortgage Calculators

How Much Can You Borrow

Important Information

Our service is free until you receive a fully approved mortgage offer. Then there may be a charge which, depending on your circumstances, will typically be £299 on receipt of an approved mortgage offer.

Our Fee is discounted to £199 for Armed Forces & 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 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.

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

Founded in 7 August 2017, Spolton Mortgages is a trading name of Spolton Ltd. Registered Office: Spolton Ltd, Spolton Mortgages, 6 Mill House, Carre Street, Sleaford, Lincolnshire, NG34 7TW.  Registered Company Number: 10903440 Registered in England & Wales.

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