Whole-of-market mortgage advice
Moving Home Mortgages in Sleaford & Lincolnshire
Found the next place, or about to start looking? Moving home brings a chain, a deadline and a hundred questions. We line up your mortgage around your move so the finance is the bit you never have to worry about.
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
★★★★★
Kasia chased everyone when our chain wobbled. We honestly could not have moved without the team.
Moving home should be exciting, not a source of sleepless nights about whether the mortgage will line up with your completion date. We take that worry off your plate. From the moment you start looking to the day you collect the keys, we line up the right finance around your move and keep the chain moving.
Port your deal, or switch?
If you are happy with your current rate, porting it to your new home can avoid an early repayment charge. If a fresh deal across the whole market saves you more, we will say so. Either way you get a clear recommendation with the figures in front of you, not a sales pitch.
We manage the moving parts
A move usually means buying and selling at the same time, often in a chain. We get your agreement in principle in place so your offer carries weight, liaise with your solicitor and lender, and chase progress so the finance is never the thing holding everyone up.
Is this you?
We help home movers like…
- Outgrowing your first home and need more space
- Relocating for work across Lincolnshire or beyond
- Moving up the ladder with equity to carry over
- Buying and selling in a chain at the same time
- Downsizing and want the numbers done properly
Why a broker
Why home movers use a mortgage adviser
Moving home is rarely just a new mortgage. There is a chain, a deadline and an existing deal to weigh up. We compare the whole market, work out whether to port or switch, and keep everything moving so your move stays on track.
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 home movers, step by step
-
A chat around your move
We start by understanding your timeline, your chain and your new property, then map the mortgage around it. No pressure, no jargon.
-
Port or switch, decided
We compare keeping your current deal against a fresh one across the whole market, and tell you honestly which leaves you better off.
-
We line up the finance
We get your agreement in principle in place so your offer carries weight, and handle the lender paperwork for you.
-
We keep the chain moving
We liaise with your solicitor and lender and chase progress, so a wobble in the chain does not become your problem.
-
Into your new home
We see it through to completion and stay on hand for any questions once you have the keys.
Local to you
Advising on moving home mortgages across Sleaford & Lincolnshire
We are on Carre Street in Sleaford, easy to reach from the A15 and A17 and right for movers across Lincoln, North Hykeham, Grantham, Newark and Boston. Whether you are moving across town or relocating into the county, we can meet in person or handle everything 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
Moving Home Mortgages: your questions answered
What is porting a mortgage?
Taking your existing mortgage deal to your new home to keep the same rate, rather than paying an early repayment charge. Not every lender allows it and you re-apply on affordability.
Can a bank refuse to port a mortgage?
Yes. Porting is subject to a fresh affordability check and the new property being acceptable, so it is not guaranteed. We check whether porting or switching suits you better.
Do you pay a deposit when porting a mortgage?
You carry your existing equity across, so you may not need new cash, but if you borrow more for a pricier home you will need a deposit on the extra.
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.
