- 6, Mill House, Carre Street, Sleaford, Lincolnshire NG34 7TW
- info@spolton.mortgage
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Helping first-time buyers and movers in Sleaford and across Lincolnshire secure mortgages with deposits from just 5%.
Many buyers worry they need a huge deposit, but mortgages with just 5% down are still available. These are sometimes called “95% LTV mortgages” and can be a realistic route onto or up the property ladder.
What to know:
At Spolton Mortgages we compare whole-of-market lenders, explain the differences between 5%, 10% and higher deposit products, and guide you through the application. For a wider overview, see MoneyHelper’s guide to deposits.
With years of mortgage experience and a no-nonsense approach, we’re here to make the mortgage process simple and stress-free.
Property prices across Lincolnshire vary, which affects how achievable a low-deposit purchase is. ONS data (July 2025) shows averages of £237,000 in North Kesteven (Sleaford) and £184,000 in Lincoln. With a 5% deposit, that’s £11,850–£11,900 required up front.
We’ll map your budget to local values and highlight which lenders are most active in the Lincolnshire market.
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.
