Bad Credit Mortgages in Sleaford

Supportive mortgage guidance for people with past credit issues across Sleaford, Lincoln, Grantham, Newark and Stamford.

Mortgage help, even when credit’s not perfect

Bad marks on your credit history don’t have to be your financial story. Whether you’ve had missed payments, CCJs, or an IVA, many lenders now consider your overall situation—not just your past.

Spolton Mortgages offers respectful, tailored guidance:

We assess your credit profile and advise on your realistic borrowing options.
We help identify specialist lenders suited to your case—without judgement or over-promising.
We work with you to improve your credit and prepare for a stronger future application.

Let’s focus on where you’re going—not where you’ve been.

Unbiased Advice

Dedicated to providing trusted advice, we believe financing your home should be exciting and stress-free. Here’s just some of the lenders we work with;

We access the whole of the mortgage market to find the best mortgage to suit your needs.

Why people with bad credit trust Spolton Mortgages

Respectful and honest. We guide you based on where you are, not judge your past.
Realistic options. We help you understand which lenders may consider you and what’s realistically achievable.
Credit improvement support. We advise on practical steps—like correcting your file, reducing debt, or saving for a stronger deposit.
Local understanding. We know Lincolnshire lender availability and community support programmes, including Briar-boarding your remortgage once your situation improves.

Our buy-to-let process in 3 steps

Every mortgage journey is different, especially when past credit issues are involved. At Spolton Mortgages, we take it one step at a time — breaking the process into clear, manageable stages so you always know what comes next.

Understand your profile

We’ll talk how past issues affect affordability expectations and check your eligibility with specialist lenders.

Improve and prepare

We guide steps like clearing wrong entries, adding you to the electoral roll, tracking down debts, and saving deposit.

Search & submit

We target lenders open to adverse credit cases and walk through every application with you, sensitively and clearly.

Credit-impaired mortgage facts that matter locally

If you’ve faced credit challenges, here’s what to expect:

Specialist lenders may require a larger deposit—often between 20% to 30% rather than the typical 5–10%. – HOA guide
It’s possible to access a mortgage with bad credit, but affordability and deposit size will significantly influence how many lenders are available. – CompareTheMarket overview
Lenders look at demonstrable improvements—like paying off debts, being on the electoral roll, and avoiding new lines of credit—as signs of stability. – Lloyds advice

We are family

Spolton Mortgages is a family mortgage broker founded by Nick and Kasia Spolton.

From our office in Sleaford, we provide mortgage and mortgage protection advice.

Well-known, and respected for providing trusted advice, we started by helping people find mortgages in Lincoln, Sleaford, and throughout Lincolnshire. Now we find ourselves helping people across the whole of the UK.

Our carefully selected panel of insurance providers

What our customers think

Useful Links

Looking for trustworthy guidance on finding mortgages with adverse credit history? These are helpful, impartial resources. We cannot vouch for their content—please always verify details directly.

HOA bad credit mortgages guide

Compare The Market bad credit overview

Lloyds mortgage advice for bad credit

How to improve your credit score — MoneyHelper

What to do if you’ve been refused credit — MoneyHelper

Bad Credit Mortgages FAQs

Can I get a mortgage with bad credit?

Yes, but it can take longer and often requires a larger deposit. Some specialist lenders consider your full profile, not just the past. CompareTheMarket guide

How much deposit will I need with bad credit?

Many lenders require between 20–30% deposit, depending on your credit details and lender flexibility. HOA advice

Can improving my credit score help me get a mortgage?

Yes. Actions like correcting mistakes on your file, paying off debt, and registering on the electoral roll can improve your chances of acceptance. Lloyds guidance

How long does a CCJ affect mortgage eligibility?

A County Court Judgment (CCJ) stays on your file for 6 years, but some lenders may consider your application after 2–3 years if the debt is settled. CompareTheMarket overview

Are interest rates higher for bad credit mortgages?

Yes. Specialist lenders may charge higher interest to reflect the added risk, but building a better credit history can open better rates in future.