Mortgage Protection Advice in Sleaford

Practical cover guidance across Lincolnshire incl. Lincoln, Boston, Grantham, Newark, Stamford.

Protect what matters most

A mortgage is often the biggest financial commitment you’ll ever make — and protecting it is vital. Mortgage protection ensures that if the unexpected happens, such as illness, redundancy, or death, you and your family are not left struggling with repayments. At Spolton Mortgages, we’ll help you understand the different types of protection available and recommend cover that suits your circumstances and budget.

You don’t have to buy insurance from your lender. But having the right cover can protect your home and family if life takes a turn.

We explain the differences between life, critical illness and income protection.
We help you choose cover levels that fit your budget and priorities.
Simple, jargon-free guidance — no pressure.

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 clients choose Spolton Mortgages

With hundreds of five-star reviews, clients trust us to give honest, transparent advice on what protection they really need — not to oversell policies. As independent advisers, we compare providers across the market to ensure you’re getting the right level of cover at the right price. We’ll explain everything clearly, so you feel confident in the decisions you make.

Impartial & clear: We explain cover types in plain English and avoid scare tactics.
Budget-first: We tailor cover to what you can afford now, with room to review later.
Local & personal: Face-to-face or remote — whatever suits you around Sleaford and Lincolnshire.

How we help you choose cover

First, we’ll discuss your financial commitments, family situation, and future plans. We’ll then explore protection options such as life insurance, critical illness cover, and income protection. After comparing policies across multiple insurers, we’ll recommend solutions that give you peace of mind without unnecessary costs. We’ll handle the setup and remain available for ongoing reviews as your needs evolve.

Understand your priorities

What would you want the policy to do — clear the mortgage, replace income, or both?

Design your cover mix

We match life/critical illness/income protection to your budget and goals.

Set up & review

We arrange the policy and set reminders to review as life changes.

Helpful facts before you choose

We support families and individuals across Sleaford, Grantham, Lincoln, and throughout Lincolnshire in securing the right protection. Every household is different, and we take the time to understand your situation before recommending policies. Our local presence means you can easily get in touch if your circumstances change, and we’ll adjust your cover to keep it relevant.

Life insurance: Pays a lump sum if you die within the policy term. Many policies include terminal illness benefit.
Critical illness: Lump sum if you’re diagnosed with a listed condition.
Income protection: Replaces part of your income if you can’t work due to illness/accident.

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

Independent, UK-focused resources on protection insurance. Third-party sites; please verify details directly.

What is life insurance? — MoneyHelper

What is critical illness cover? — MoneyHelper

What is income protection insurance? — MoneyHelper

Protect yourself & your home — MoneyHelper

MPPI information — FCA

Mortgage Protection Advice FAQs

Do I have to buy insurance from my lender?

No — you can choose any provider. We’ll explain pros/cons and compare options.

What’s the difference between life insurance and critical illness?

Life pays out on death (within term); critical illness pays a lump sum if you’re diagnosed with a listed condition.

Is income protection the same as MPPI?

No. Income protection pays a monthly benefit if you can’t work; MPPI is tied to mortgage payments and has different rules. FCA MPPI overview.

How much cover do I need?

It depends on your mortgage balance, dependants and budget. MoneyHelper’s guide to working out cover.