Spolton Mortgages

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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.

Nick Spolton and Tom Clifton from Spolton Mortgages are at RAF Waddington today.We’re privileged to be invited to suppor...
26/09/2026

Nick Spolton and Tom Clifton from Spolton Mortgages are at RAF Waddington today.

We’re privileged to be invited to support families day today.

Looking forward to the day - if you’re attending, please come across and see us and say Hi.

Spolton Mortgages helps homebuyers in Sleaford and across Lincolnshire find a suitable mortgage.Our recent Google review...
25/09/2026

Spolton Mortgages helps homebuyers in Sleaford and across Lincolnshire find a suitable mortgage.

Our recent Google reviews have given us plenty to smile about!

Kate, Patrick and Cate praised Tom and Seth for supporting them as first-time buyers, answering their questions and keeping them updated. As Kate said, “Nothing ever felt like too much trouble.”

Leanne shared how Tom helped with a limited company director’s mortgage, explaining the paperwork and finding a suitable lender. James thanked John for his clear mortgage and insurance advice, while another buyer praised John’s support through a lengthy purchase and tight deadlines.

Different circumstances, but the same things keep coming up: friendly faces, clear explanations, quick replies and someone you can turn to when you’re unsure.

As a local family business in Sleaford, that means so much to us. Whether you’re buying your first home, moving house or have a more complex income, we take time to understand your circumstances and explain your mortgage options.

There’s always a warm welcome and a good coffee waiting, too!

Thank you to everyone who has left a review, and a well-deserved shout-out to John, Tom and Seth!

Need mortgage advice in Sleaford or across Lincolnshire? Drop us a message or pop into the office. Let’s have a chat.



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.

Spolton Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. Spolton Mortgages is a trading name of Spolton Ltd.

Whole-of-market broker. You have probably heard the phrase. Here is what it actually means for you.A whole-of-market bro...
24/09/2026

Whole-of-market broker. You have probably heard the phrase. Here is what it actually means for you.

A whole-of-market broker can search and recommend products from across the full range of available lenders. That means no single panel and no one bank's own range. Their only job is finding what fits your situation, and no lender pays them to favour a particular product.

This matters more than people realise. Many assume that any broker who is not a bank counts as whole-of-market. That is not always the case. Some brokers work from a restricted panel, which means the lender who actually suits your income, your employment type, or your specific circumstances may simply not be on their list.

When your situation is specific, whether that is your employment type, income complexity or protection needs, whole-of-market access means the search does not stop until the fit is right.

Here is one example from our own casework. An Armed Forces client asked Tom for help finding a mortgage suited to their circumstances. Tom also sourced life insurance policies for both the client and his wife. Two products, one adviser, and no referral to another firm. That is the difference in practice.

The real value is independence. Your recommendation is not shaped by any commercial arrangement with a lender. You get advice that genuinely fits you, explained in plain English, by a named person who stays with you from the first chat to completion.

Curious about what whole-of-market access could mean for your situation? Book your free consultation today and speak to an adviser who works for you.

Search Spolton Mortgages on Google

01529 300500

[email protected]

6 Mill House, Carre Street, Sleaford, NG34 7TW

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.

What Does a Free Mortgage Consultation Actually Get You?Free. That is the price of an initial consultation with Spolton ...
22/09/2026

What Does a Free Mortgage Consultation Actually Get You?

Free. That is the price of an initial consultation with Spolton Mortgages. Here is what sits behind that number.

Most people assume free means a quick chat and a sales pitch. It is a fair thing to expect. But here is what you actually walk away with.

Whole-of-market access from the very first conversation. That includes lenders you cannot approach directly, so you see the deals that fit your situation, not just the ones on the high street.

A clear picture of where you stand. What you can realistically borrow, what it is likely to cost you each month, and which lenders are open to you today.

If you are looking at buy-to-let, we run the rental stress test in that first session. That way the numbers hold up, rather than falling apart weeks later when it is harder to change course. Not all buy-to-let mortgages are regulated by the Financial Conduct Authority.

And the advice comes from a team led by Nick Spolton, who has been listed in The Times Guide to the UK's Top Rated Financial Advisers every year since 2019, based entirely on verified client reviews.

Now for the honest part. If you prefer to compare deals online yourself, this probably is not for you, and that is a perfectly reasonable way to do it. If you would rather have someone do that work alongside you and explain every step, this is likely the right conversation.

Book your free consultation and find out where you actually stand.

Search Spolton Mortgages on Google

01529 300500

[email protected]

6 Mill House, Carre Street, Sleaford, NG34 7TW

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.

That recognition does not come from a panel or an industry vote. It comes entirely from verified client reviews.Nick Spo...
18/09/2026

That recognition does not come from a panel or an industry vote. It comes entirely from verified client reviews.

Nick Spolton has appeared in The Times Guide to the UK's Top Rated Financial Advisers every year since 2019.

The listing is based on what clients say afterwards, not an editorial nomination.

A remortgage is one of the most consequential decisions a Lincolnshire homeowner makes, often quietly, and often under time pressure.

Knowing that the person reviewing your options has a record you can check changes how that decision feels.

If your current mortgage deal has not been looked at in the last two years, this is the adviser real clients keep coming back to.

A free, no-obligation consultation is the first step towards your next rate decision feeling grounded rather than hopeful.

We would be happy to talk it through.

Search Spolton Mortgages on Google

01529 300500

[email protected]

6 Mill House, Carre Street, Sleaford, NG34 7TW

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.

Leaving the Service Soon?If you're planning to leave the Armed Forces, it's worth understanding how your Forces Help to ...
18/09/2026

Leaving the Service Soon?

If you're planning to leave the Armed Forces, it's worth understanding how your Forces Help to Buy advance will be repaid.

Knowing what happens before you leave gives you time to plan properly and avoid any unexpected surprises.

Whether you're buying before or after leaving, we can help you understand your mortgage options.

Search "Spolton Mortgages leaving the Armed Forces" or contact us.

Serving Armed Forces and Blue Light Card holders pay just £199 for our mortgage advice.

01529 300500
[email protected]

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

Most people expect us to start by searching for a rate. We do not.Most first-time buyers arrive expecting us to pull up ...
16/09/2026

Most people expect us to start by searching for a rate. We do not.

Most first-time buyers arrive expecting us to pull up a comparison table straightaway. We understand that. Everyone wants to know the rate.

But we do not start the lender search until we know exactly what you can realistically borrow, how much deposit your situation actually needs, and which lenders are likely to say yes to your specific picture. Your picture, worked out properly, before a single lender name comes up.

Jumping straight to products before that picture is clear means you could be comparing mortgages you do not qualify for, chasing a deposit figure that does not apply to you, or missing lenders who would have been a strong fit all along.

A 5% deposit can be enough. Some lenders look favourably on smaller deposits when the rest of the picture is strong. You often cannot know that until someone has sat with your actual situation.

When we work out your borrowing picture first, the search itself is shorter.

The recommendation lands with more confidence.

And there are no corrections to make halfway through an application.

Buying your first home is a life decision with a mortgage inside it. We work out the person before we work out the product, and that order does not change, however quickly you want to move.

Book your free consultation. No rate tables. Just a clear picture of where you stand.

Search Spolton Mortgages on Google

01529 300500

[email protected]

6 Mill House, Carre Street, Sleaford, NG34 7TW

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

Can You Use Your Savings Alongside Forces Help to Buy?Your Forces Help to Buy advance doesn't have to be your entire dep...
16/09/2026

Can You Use Your Savings Alongside Forces Help to Buy?

Your Forces Help to Buy advance doesn't have to be your entire deposit.

Many buyers also use their own savings, giving them a larger overall deposit which may open up more mortgage options.

Every lender is different, so it's worth getting advice before applying.

Search "Spolton Mortgages Forces Help to Buy deposit" or speak with us.

Serving Armed Forces and Blue Light Card holders pay just £199 for our mortgage advice.

01529 300500
[email protected]

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

Can Self-Employed Buyers Get a Shared Ownership Mortgage?Absolutely. Being self-employed doesn't automatically prevent y...
15/09/2026

Can Self-Employed Buyers Get a Shared Ownership Mortgage?

Absolutely. Being self-employed doesn't automatically prevent you from buying through Shared Ownership.

Like any mortgage application, lenders will want to understand your income and financial position, but many are happy to consider applications from sole traders, limited company directors and partnerships.

Every lender has different criteria, so choosing the right one can make a significant difference to your application.

If you're self-employed and considering Shared Ownership, we'd be happy to talk through your options.

Simply search "Spolton Mortgages" on Google to find our mortgage guides and contact details, or get in touch for tailored advice.

Serving Armed Forces and Blue Light Card holders pay just £199 for our mortgage advice.

📞 01529 300500
📧 [email protected]

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

Five Questions to Ask Before Your First Mortgage AppointmentMost first-time buyers walk into their first mortgage conver...
14/09/2026

Five Questions to Ask Before Your First Mortgage Appointment

Most first-time buyers walk into their first mortgage conversation unsure what to say. These five questions change that.

Knowing what to ask before the conversation starts means you arrive prepared, not anxious.

Here are the five worth writing down.

1. What information do you need from me before we start?

It signals you are ready to cooperate, and it surfaces anything you should have to hand.

2. What is my realistic borrowing range?

You do not need a formal agreement in principle to get a clear picture. Ask early, before you start viewing.

3. What could reduce or complicate my options?

A credit blip or an income quirk is far easier to work around when your adviser knows about it before application, not during it.

4. What happens after my offer is accepted?

Buyers who understand the full journey are far less likely to be caught out in the final weeks.

5. Anything else, including the questions that feel too basic.

Bring every one of them. A good adviser welcomes all of them.

One of our first-time buyers put it well after working with Seth. He took the time to answer questions about the whole buying process, not just the mortgage, and broke every step down clearly.

That is the point. The questions that go beyond the mortgage itself are often the ones worth asking most.

Write them down, and walk in ready.

If you would like to book a free consultation, we would be happy to help you arrive ready to get the most from your first appointment.

Search Spolton Mortgages on Google

01529 300500

[email protected]

6 Mill House, Carre Street, Sleaford, NG34 7TW

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.

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

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