- 6, Mill House, Carre Street, Sleaford, Lincolnshire NG34 7TW
- info@spolton.mortgage
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Advice on 100% LTV and family-backed mortgages across Sleaford and Lincolnshire.
Most lenders require a deposit, but there are limited options for mortgages with no deposit — usually called 100% loan-to-value (LTV) mortgages. These rely on family support or specialist schemes.
What’s available:
Zero-deposit mortgages are rare and come with tighter checks. For impartial context, see MoneyHelper’s guide to deposits. We’ll confirm if a no-deposit option works for you or if low deposit mortgages are a more realistic route, perhaps a shared ownership mortgage is also a possibility?
With years of mortgage experience and a no-nonsense approach, we’re here to make the mortgage process simple and stress-free.
Local property prices set the size of the mortgage you’d need. ONS figures (July 2025) show averages of £237,000 in North Kesteven (Sleaford) and £184,000 in Lincoln. A 100% LTV mortgage means borrowing the full amount — without a deposit buffer, affordability checks are stricter.
We’ll explain the local lender landscape and when a no-deposit mortgage is achievable — or whether a 5% deposit could open far more products.
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.
