At Spolton Mortgages we have one goal in mind – to help you get the right mortgage for you.

Our mortgage service

Our mortgage service is designed to save you time and money. That’s because there is no need to traipse up and down the high street or spend hours on the internet looking for the right mortgage deal for you. Instead, as your local mortgage broker, we’ll do all the legwork for you by searching through hundreds of deals from a wide range of different lenders and then give you expert advice on what’s right for you and your needs.

Fixed rates, trackers, variable deals – we’ve got access to a huge range and can help find the right option for you no matter whether you are buying for the first time, moving house, re-mortgaging or even buying to let.

Most Banks or Building Societies offer a limited range of mortgages, you can be sure we will look at a wider range to ensure we offer you the one that is best for you.

Our areas of expertise

These are just some of the areas that we can help you with.

Buying your first home

We understand that it’s not easy for first-time buyers. House prices are at an all-time high and the credit crunch has resulted in lenders being more stringent about who they lend money to. In fact, a lot of lenders have actually disappeared altogether. Therefore, it’s never been more important to get expert advice from a mortgage broker like us, who can find the best first-time buyer mortgage for your individual needs and budget.

Moving house

If you’re looking to move house, then it makes sense to look at what mortgage deals are available rather than simply taking your existing one with you. We can take that worry away for you by finding the right mortgage for you and make sure everything runs smoothly so that you can exchange contracts on time.

Remortgaging

Whether you’re looking to re-mortgage to get a better deal or to raise money for home improvements, then it’s important to look around at what’s available rather than simply stick with the same lender you’re with now. The good news is that there is still a wide range of re-mortgage deals available and we’re here to find the right one for you.

You may have to pay an early repayment charge to your existing lender if you remortgage

Buying to Let

If you’re thinking of buying a property as an investment, then getting the right mortgage could be the best move you make. You see, ensuring you have a competitive mortgage deal could make all the difference to how successful your investment is. As your local mortgage experts, we’ve got access to a wide range of buy to let mortgages and give expert advice on which one is right for your buy to let venture.

Not all buy to let mortgages are regulated by the financial conduct authority.

Insurance

We know insurance isn’t an easy subject to think about. After all, life is for living, not for worrying about what’s around the corner. We’re insurance specialists and our job is to do the worrying for you and help make sure that you’ve got the right cover in place to give you peace of mind that you and your home are protected against whatever is around the corner. And whether it’s home insurance, life cover, income protection or critical illness cover, we can search to find the best policy for your needs.

As with all insurance policies, conditions and exclusions will apply

Click here to read more about protecting your home.

spolton mortgages and insurance services

Equity release

If you’re looking to release equity from your home to raise money in your retirement, then we’re specialists in equity release mortgages and can give advice that’s tailored to you and your needs. We can look at your individual circumstances to see whether equity release is right for you and discuss options that could be more suitable for your needs.

If we establish that it is right for you, we can research the market to find the best equity release mortgage solutions for you and your needs. You see, our equity release service is about giving you complete peace of mind in your retirement.

A lifetime mortgage is a long term commitment which could accumulate interest and is secured against your home. Equity release is not right for everyone and may reduce the value of your estate.

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