Supportive mortgage guidance for people with past credit issues across Sleaford, Lincoln, Grantham, Newark and Stamford.
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:
Let’s focus on where you’re going—not where you’ve been.





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.
With years of mortgage experience and a no-nonsense approach, we’re here to make the mortgage process simple and stress-free.
If you’ve faced credit challenges, here’s what to expect:
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.
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.