Whole-of-market mortgage advice
Complex Mortgage Advice in Sleaford & Lincolnshire
Some situations do not fit the high street's tick boxes, and complex mortgage cases are exactly where we come into our own. Multiple income sources, adverse credit, unusual properties or a knock-back elsewhere; we have seen it before and we know the lenders who say yes when others say no.
5.0★ · 701 reviews
Whole of market
Free until approved
Your Lincolnshire mortgage team
Nick, Kasia & the team
Qualified advisers and support, here for every step
★★★★★
A rather complicated domestic situation meant I did not feel confident enough to apply, but they sorted everything out with ease and got me a brilliant deal.
If your situation does not fit a neat box, you are not a problem to be turned away, you are exactly the kind of client we are built for. Multiple incomes, self-employment, past credit issues, an unusual property or a flat no from your bank; we have arranged mortgages through all of it, and we know where to take a case that others found too hard.
A decline is rarely the end
Most knock-backs happen because a case went to the wrong lender, not because it cannot be done. We look at the full picture, match you to a lender who is comfortable with complexity, and present your circumstances so they are understood rather than feared.
Calm hands on a complicated case
Complex does not have to mean stressful. We deal with the lender’s questions, chase every stage and keep you informed throughout, so a complicated application feels steady and in control from start to finish.
Is this you?
We help clients with complex needs like…
- Turned down by a bank or another broker
- Several income sources or a complicated structure
- Past credit blips or a thin credit history
- Buying a non-standard or unusual property
- Contractors, directors and complex employment
Why a broker
Why clients with complex needs use a mortgage adviser
Complex cases are exactly where one lender's tick boxes fail you. We compare the whole market, including specialist lenders, and know how to present a complicated case so it is understood, often getting a yes where others gave a no.
Going direct to one lender
- One lender, one shelf of deals
- You fill in the forms and chase progress
- Criteria buried in the fine print
- A computer-says-no can end it there
- No one in your corner if it stalls
With Spolton, whole of market
- The whole market compared for you
- We handle the application end to end
- Criteria explained in clear, everyday terms
- Declined elsewhere? We know who says yes
- A named adviser who chases it for you
- Free until your mortgage offer is approved
How it works
How we help clients with complex needs, step by step
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Tell us the full picture
We start by understanding everything, the parts other lenders stumbled on included, so we can plan properly rather than guess.
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Find the right home for your case
We know which lenders are comfortable with complexity and go straight to them, instead of risking another decline.
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Present it the right way
How a complex case is packaged matters. We present your circumstances clearly so the lender sees the full, fair picture.
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We manage it through
We handle the lender's questions, chase progress and keep you updated, so a complicated case feels calm and in hand.
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A result others could not get
We see it through to offer and completion, and we are here for the future as your situation settles.
Local to you
Advising on complex mortgage advice across Sleaford & Lincolnshire
From our Sleaford office on Carre Street we help clients with complex circumstances across Lincolnshire and beyond, from Lincoln and Grantham to Newark and Boston. Whatever the situation, we are happy to talk it through discreetly, in person or by phone and video.
- Sleaford
- Lincoln
- Grantham
- Newark
- Boston
- North Hykeham
Honest about money
No surprises. Ever.
Never a surprise fee. Here is how ours work, plainly: most advice is free until your mortgage is approved.
- Free until your offer is approved
- Whole-of-market, not one bank’s shelf
- We tell you the fee before any work begins
Your home/property may be repossessed if you do not keep up repayments on your mortgage.
Our fees, in plain English
Until a fully approved mortgage offer
Free
Standard fee thereafter
Typically £299
Armed Forces & Blue Light Card
£199
Like-for-like remortgage rate switch
No fee at all
Figures correct at time of advice. We confirm everything up front.
Good to know
Complex Mortgage Advice: your questions answered
I have been turned down. Can you help?
Often yes. A decline usually means the case went to the wrong lender, not that it cannot be done. We know who is comfortable with complexity and how to present your case.
Can I get a mortgage with adverse credit?
Frequently, yes, depending on what happened and when. Several lenders specialise in this. We will be honest about your options after looking at the detail.
What counts as a complex case?
Multiple incomes, self-employment, adverse credit, unusual properties, later life lending or anything that does not fit a standard tick box. It is our everyday work.
Will a complex case cost me more?
Specialist lending can carry higher rates, but not always. We compare the whole market so you get the best available for your circumstances, and explain the costs up front.
Is my situation too unusual to bother asking?
Very unlikely. We have arranged mortgages for all sorts of circumstances. A quick, no-obligation chat will tell you what is possible.
What clients say
701 verified reviews, rated 5.0
258 reviews on Google and 443 on VouchedFor for 4 advisers, all independently verified. A 5.0 average across both.
5.0 average · Google & VouchedFor
Real people, real advice
The people behind your mortgage
You will deal with a named adviser from start to finish, backed by an administration team who keep your case moving behind the scenes. Here is who you will be working with.
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.
