Clear, local remortgage advice for Sleaford and Lincolnshire — switch deals, fix costs, or release equity with confidence.
When a fixed rate ends or your plans change, a remortgage can reduce costs, add certainty, or release funds. We compare whole-of-market options, explain fees, and time your switch so it fits your life.
Here’s how we help:
For background reading, see MoneyHelper’s remortgaging guide. For rate context, check the Bank of England updates. We’ll translate this into a clear recommendation for you.
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.
Your best option depends on equity, income, property type, and timing. We work with homeowners across Lincolnshire — from Sleaford to nearby towns — and shape the advice around your circumstances.
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.
Around 3–6 months before your current deal ends so you can compare, apply, and avoid reverting to a higher rate.
Sometimes. We’ll weigh the charge against savings on a new deal and check if waiting or a product transfer is better.
Often, yes. We’ll check affordability, equity and lender criteria. Most lenders want basic details or quotes.
Photo ID, proof of address, income evidence, bank statements, and details of your current mortgage. We’ll send a checklist.