Mortgage FAQs

Mortgage questions, answered clearly

Straight, jargon-free answers to the mortgage questions we hear most, from remortgaging and shared ownership to first-time buyers and rent to buy. Cannot find yours? Ask us and we will help.

707

Five-star reviews

VouchedFor 2019–2026

Local

Family-run since 2017

Registered · No. 993383

Remortgaging

8 questions

All remortgaging FAQs →

Shared Ownership

13 questions

All shared ownership FAQs →

First-Time Buyers

5 questions

All first-time buyers FAQs →

Rent to Buy

6 questions

All rent to buy FAQs →

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

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

Applying for a mortgage Yes, it was fantastic, one to one service. Great value. Yes very much felt supported throughout. Nothing. Nick and his team were conntactable, reassuring, helpful and clearly explained what my choices were.

Verified client in Lincolnshire

Review of Nick Spolton

VouchedFor

Remortgages Nick took the time to produce product comparisons and met my financial needs. yes. nothing. Very professional service received

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.