Spolton Mortgages

Spolton Mortgages We make finding the best mortgages simple. Our service is free until you receive a fully approved mortgage offer.

Then there may be a charge which, depending on your circumstances, will typically be £299 on receipt of an approved mortgage offer. Our Fee is discounted to £199 for Armed Forces & Blue Light Card Holders. For remortgages, If best advice is to switch rates with your existing lender then we charge no fee at all. Your home may be repossessed if you do not keep up repayments on your mortgage. You may

have to pay an early repayment charge to your existing lender if you remortgage. As with all insurance policies, conditions and exclusions will apply. Not all Buy to Let Mortgages are regulated by the Financial Conduct Authority. Spolton Mortgages is a trading style of Spolton Ltd, (FCA 993383) which is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. Founded in 7 August 2017, Spolton Mortgages is a trading name of Spolton Ltd. Registered Office: Spolton Ltd, Spolton Mortgages, 6 Mill House, Carre Street, Sleaford, Lincolnshire, NG34 7TW. Registered Company Number: 10903440 Registered in England & Wales.

The biggest compliment is when people come backA lovely review came in recently for Nick and Kasia, and this one really ...
09/06/2026

The biggest compliment is when people come back

A lovely review came in recently for Nick and Kasia, and this one really means a lot.

Cara first came to Spolton Mortgages for mortgage advice in 2024 and has now come back again to review her options and look at life insurance.

That kind of trust is something we never take for granted.

Buying a home, reviewing a mortgage, or sorting protection can feel like a lot to think about. So when someone says they would not go anywhere else, it honestly means the world to us.

Cara described Nick’s advice as honest, realistic, helpful and friendly, and said he puts you at ease from the first meeting.

That is exactly what we want people to feel when they speak to us. No pressure. No confusing jargon. Just clear advice from people who genuinely care about getting things right for you.

Thank you so much, Cara. We’re really grateful you came back to us, and we’ll be here whenever you need your next review.

📞 01529 300500
📧 [email protected]
🌐 spolton.mortgage

Your home may be repossessed if you do not keep up repayments on your mortgage.

Another lovely review, and this one really shows how much difference the right support can make when buying your first h...
05/06/2026

Another lovely review, and this one really shows how much difference the right support can make when buying your first home.

Emily worked with Tom, and like many first-time buyers, she found the process daunting at times.

Then her first property fell through.

That could easily have made everything feel even more stressful, but Tom stayed with her, kept things calm, answered every question and carried out the extra work needed to help her keep moving.

That part really matters.

Mortgage advice is not just about finding a deal on day one. It is also about having someone in your corner when things change, when plans fall through, or when you simply need things explained properly.

We’re so pleased Tom was able to help Emily with her mortgage and insurance, and it means the world to know she felt supported throughout.

If you’re buying your first home and feel unsure where to start, we’re always happy to have a chat.

📞 01529 300500
📧 [email protected]
🌐 spolton.mortgage

Your home may be repossessed if you do not keep up repayments on your mortgage.

05/06/2026

“Found us the best deal that worked for us.”

Thank you so much for your lovely review, Pamela. It really does mean the world to us.

Buying a home, moving, or sorting a new mortgage can feel like a lot, so it’s always lovely to hear that someone felt supported and comfortable enough to have open conversations with us.

That’s exactly how we want it to feel.

Friendly advice, clear explanations, and time to talk things through properly, so the mortgage you choose feels right for you.

Thank you again, Pamela. We’re so pleased we could help.

📍 Spolton Mortgages, Sleaford
📞 01529 300500
🌐 spolton.mortgage

Your home may be repossessed if you do not keep up repayments on your mortgage.

Private renting but thinking about buying your first home?If you’re currently renting and starting to wonder whether you...
05/06/2026

Private renting but thinking about buying your first home?

If you’re currently renting and starting to wonder whether you could buy your first house, the first step is not viewing properties.

It’s understanding your numbers.

That usually means looking at:

• How much you may be able to borrow
• What deposit you might need
• Whether your income fits lender affordability checks
• What your monthly payments could look like
• Whether there are any first-time buyer options worth considering

A good place to start is our How Much Can I Borrow calculator, which can give you a clearer idea of what may be possible before you start looking seriously at properties.

Search “spolton mortgages how much can i borrow calculator” to try the calculator.

For many first-time buyers, the hardest part is simply knowing where to start.

At Spolton Mortgages, we help first-time buyers understand their options clearly, without pressure or confusing jargon. We can talk you through the process, explain what lenders may look for, and help you work out whether buying could be realistic now or what steps may help you get ready.

📍 6 Mill House, Carre Street, Sleaford, Lincolnshire NG34 7TW
📞 01529 300500
📧 [email protected]

Your home may be repossessed if you do not keep up repayments on your mortgage.
Our service is free until you receive a fully approved mortgage offer. Then there may be a charge which, depending on your circumstances, will typically be £299 on receipt of an approved mortgage offer.

Stamp duty for first-time buyers could remove a big upfront costIf you’re buying your first home in England, you may not...
03/06/2026

Stamp duty for first-time buyers could remove a big upfront cost

If you’re buying your first home in England, you may not have to pay any stamp duty on the first £300,000.

That can make a real difference when you’re trying to save for a deposit, solicitor fees, moving costs and everything else that comes with buying.

Of course, stamp duty is only one part of the picture. You still need to know:

What you can borrow
How much deposit you’ll need
What the monthly payments could look like
What other buying costs to plan for

At Spolton Mortgages, we help first-time buyers understand the numbers clearly before they start viewing homes.

📍 Spolton Mortgages, Sleaford
📞 01529 300500
📧 [email protected]

Your home may be repossessed if you do not keep up repayments on your mortgage.

More people are getting mortgages approved, but timing still matters.The Bank of England’s latest figures show UK mortga...
02/06/2026

More people are getting mortgages approved, but timing still matters.

The Bank of England’s latest figures show UK mortgage approvals for house purchases rose to 65,945 in April, the highest level in over a year.

For first-time buyers, this may be a sign that more people are starting to move forward with their plans, even while mortgage rates, affordability checks and deposit requirements still need careful thought.

For homeowners coming to the end of a fixed rate, it’s also a reminder not to leave things too late. Remortgage approvals were broadly unchanged, but that doesn’t mean there are no decisions to make.

If you’re buying your first home, now is a good time to understand what you could realistically borrow, how much deposit you may need, whether the monthly payments are affordable, and which lenders may fit your circumstances.

If your current mortgage deal is ending soon, it’s worth checking when you can start reviewing new deals, whether staying with your current lender makes sense, whether switching lender could save money, and how your income, credit profile and property value affect your options.

At Spolton Mortgages, we help first-time buyers and remortgage clients make sense of the numbers before they commit. We search across the mortgage market, explain the options clearly, and help you understand what is realistic for your situation.

Want to know where you stand?

Search Spolton Mortgages on Google
Call 01529 300500
Or visit spolton.mortgage

Your home may be repossessed if you do not keep up repayments on your mortgage.
You may have to pay an early repayment charge to your existing lender if you remortgage.

Buying your first home on your own can feel unfairly difficult.We speak to people who are working full time, saving wher...
27/05/2026

Buying your first home on your own can feel unfairly difficult.

We speak to people who are working full time, saving where they can, and doing everything sensibly, but when they look at what they may be able to borrow, the options can feel very limited.

That does not always mean home ownership is impossible.

For some buyers, shared ownership may be worth looking at.

Shared ownership lets you buy part of a home and pay rent on the part you do not own. It can reduce the mortgage amount needed at the start, but it still needs careful thought because the mortgage is only one part of the monthly cost.

You also need to understand:

• rent on the remaining share
• service charges
• deposit needed
• affordability checks
• whether you can buy more later
• what happens when you want to sell

We’ve created a local guide to shared ownership homes near Sleaford, with current examples around Sleaford, Holdingham, Woodhall Spa, Waddington, Grantham and Boston / Kirton.

It also explains staircasing, gives live local examples, and links to our Shared Ownership Calculator so you can start to see what the full monthly cost could look like.

Search Google for:

Shared ownership homes near me Spolton Mortgages

Spolton Mortgages
01529 300500
[email protected]
6 Mill House, Carre Street, Sleaford, Lincolnshire NG34 7TW

Your home may be repossessed if you do not keep up repayments on your mortgage.

Buying your first home on your own in Sleaford? 🏡It can feel like the numbers are stacked against you, but solo first-ti...
20/05/2026

Buying your first home on your own in Sleaford? 🏡

It can feel like the numbers are stacked against you, but solo first-time buyers do get mortgages.

The key is understanding what you may be able to borrow, what deposit you’ll need, and whether the monthly payments feel affordable.

Here are three local property examples that were live online as of 20th May 2026.

These are for illustration only. Spolton Mortgages is not affiliated with the estate agents, sellers, developers, Zoopla, Rightmove or any property portals. Prices and availability can change, and these are not property recommendations.

🏠 Example 1
2-bed house in Sleaford
Juniper Way, Sleaford
Asking price: £150,000
5% deposit: £7,500
10% deposit: £15,000

🏠 Example 2
3-bed semi-detached home in Sleaford
Southfields, Sleaford
Asking price: £175,000
5% deposit: £8,750
10% deposit: £17,500

🏠 Example 3
2-bed home in Sleaford
Newton Park at Handley Chase
Asking price: £190,000
5% deposit: £9,500
10% deposit: £19,000

The important bit is affordability.

Lenders look at more than your income. They’ll also consider your outgoings, debts, credit history, deposit, employment and whether the mortgage looks sustainable.

That’s why buying on your own often needs a proper plan before you start viewing homes.

🧮 You can use our online mortgage calculators to get a clearer starting point.

Search Google for:

Spolton Mortgages mortgage affordability calculator
Spolton Mortgages mortgage deposit calculator
Spolton Mortgages mortgage repayment calculator

These tools are only a guide, but they can help you start understanding what may be possible before speaking to an adviser.

For personal first-time buyer mortgage advice, speak to Spolton Mortgages.

📞 01529 300500
📧 [email protected]
📍 6 Mill House, Carre Street, Sleaford, Lincolnshire, NG34 7TW
🌐 spolton.mortgage

Your home may be repossessed if you do not keep up repayments on your mortgage.

Can family help with a first-time buyer deposit?Yes, they can. In fact, family support is one of the ways many first-tim...
19/05/2026

Can family help with a first-time buyer deposit?

Yes, they can. In fact, family support is one of the ways many first-time buyers get onto the property ladder.

This is often called a gifted deposit, where a parent, grandparent or close family member gives money towards the deposit for your first home.

But it does need to be handled properly.

A lender will usually want to know:

Where the money has come from
Whether it is a genuine gift or a loan
Whether the person gifting the money expects to be repaid
Whether they will have any legal interest in the property

This matters because a gift and a loan are treated very differently.

If your family member expects the money back, the lender may treat it as a financial commitment, which could affect affordability. If it is a genuine gift, your solicitor and lender will usually need written confirmation, often called a gifted deposit letter.

For first-time buyers in Sleaford, Lincoln and across Lincolnshire, this can make a real difference, especially where you have enough income to afford the mortgage but need help building the deposit.

There are other family support options too, including Joint Borrower Sole Proprietor mortgages, family-backed mortgages, and low deposit mortgage options. The right route depends on your income, credit history, deposit amount and long-term plans.

At Spolton Mortgages, we help first-time buyers understand what family help is allowed, how lenders view gifted deposits, and what paperwork is needed before it causes delays.

Call: 01529 300500
Email: [email protected]
Visit: 6 Mill House, Carre Street, Sleaford, Lincolnshire NG34 7TW
Or search Spolton Mortgages on Google.

Your home may be repossessed if you do not keep up repayments on your mortgage.
Tax treatment depends on individual circumstances and may change. For larger gifts, you may wish to seek tax or legal advice.

Following on from our recent post about what shared ownership is, we’ve now put together a full local guide for anyone s...
15/05/2026

Following on from our recent post about what shared ownership is, we’ve now put together a full local guide for anyone searching for shared ownership homes near Sleaford.

It covers current examples in and around:

Sleaford
Holdingham
Woodhall Spa
Waddington
Grantham
Boston / Kirton

The guide explains:

• how shared ownership works
• what staircasing means
• why the share price is only part of the cost
• what rent and service charges to check
• how to compare different shared ownership options properly

We’ve also included live local examples, a map, and a link to our Shared Ownership Calculator so you can get a clearer idea of the monthly costs before you go too far.

Search Google for:

Shared ownership homes near me Spolton Mortgages

Or see the link in the comments.

Spolton Mortgages
01529 300500
[email protected]
6 Mill House, Carre Street, Sleaford, Lincolnshire NG34 7TW

Your home may be repossessed if you do not keep up repayments on your mortgage.

Address

6 Mill House, Carre Street
Sleaford
NG347TW

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 10am - 1pm

Telephone

+441529300500

Website

Alerts

Be the first to know and let us send you an email when Spolton Mortgages posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Spolton Mortgages:

Shortcuts

Share

Category