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.

Buying your first home can feel like a lot. Our job is to make it simple.Here is a behind the scenes look at how we guid...
02/09/2026

Buying your first home can feel like a lot. Our job is to make it simple.

Here is a behind the scenes look at how we guide first-time buyers across Sleaford and Lincolnshire, from the first chat to your new front door.

1. Initial chat and affordability
We begin with a friendly, no-pressure call to understand your goals and answer any initial questions. This helps us accurately assess what you can realistically borrow and the deposit you'll need, taking the guesswork out of house hunting.

2. Market search and application
Next, we search the whole market, including lenders you can't access directly, to find the right deal for your situation. We then handle the full application, liaising with lenders and solicitors to keep everything moving smoothly.

Throughout it all, we turn complex mortgage jargon into a clear, actionable plan you can follow.

Ready to simplify your first home journey? Book a free consultation with our team.

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.

Why does the same application get a yes from one lender and a no from another?It is not a trick question. There is a rea...
02/09/2026

Why does the same application get a yes from one lender and a no from another?

It is not a trick question. There is a real answer, and it changes how you think about your whole mortgage search.

You have done everything right. Good credit, steady income, a deposit saved. And somehow one lender says no while another says yes without blinking.

There is a name for what you just ran into: Lender Fit.

Lender Fit is the degree to which your financial profile matches a lender's approval criteria, both published and unpublished. It is what explains why two near-identical applications produce two different outcomes.

Every lender sets their own rules on income multiples, deposit thresholds, employment types and credit patterns. Your profile is fixed. Their criteria are not. So each time you apply, you are being measured against a different benchmark.

This is not only about the rate. A lender whose criteria fit your income structure and deposit size may be the right answer, even where another lender advertises a lower headline figure.

A first-time buyer in Sleaford needed to borrow above the standard income multiple. A whole-of-market search found a mainstream lender whose criteria accommodated exactly that. The application completed in just over a month.

The right deal existed. It simply required knowing where to look.

Once you know the term Lender Fit, the question changes. No longer "what is wrong with my application", but "which lender's criteria does my profile happen to meet".

If you are weighing up a purchase and want to understand where your profile fits, it is worth a conversation.

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.

Green lights for anyone getting a mortgage right now.Nobody hands you a rulebook when you start looking for a mortgage. ...
02/09/2026

Green lights for anyone getting a mortgage right now.

Nobody hands you a rulebook when you start looking for a mortgage. So here are a few things you are absolutely allowed to do.

You are allowed to start a consultation without having read a single thing first.

It is fine to say you do not understand what you have just been told.

You do not need to have your deposit perfectly sorted before asking questions.

You are allowed to take some time before agreeing to any product put in front of you.

It is fine to ask the same question twice until the answer actually makes sense.

You are allowed to want an adviser who explains everything, not just the headline rate.

At Spolton Mortgages, we start from your reality, not from an assumed level of mortgage knowledge.

Your first consultation is free and you can show up exactly as you are. Reach out to Spolton Mortgages whenever you are ready.

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.

Before you pay anyone a penny for mortgage advice, it is worth knowing that not every broker waits until you actually ha...
02/09/2026

Before you pay anyone a penny for mortgage advice, it is worth knowing that not every broker waits until you actually have an offer in your hands.

Spolton Mortgages does.

Free until your mortgage offer is approved. That is the arrangement. No fee upfront, and nothing to pay if your offer does not come through. Nothing changes hands until the mortgage is confirmed.

This is the fact that matters most when you are deciding which broker to call first. Before the paperwork, before the application, before a single form is filled in.

Knowing how the fee structure works is exactly the kind of thing that changes who you pick up the phone to.

And when you do call, you speak to real, named people who get to know your situation and look after the whole process from the first conversation to completion day.

A family-run business in Sleaford that takes the time to explain your options in plain English.

The arrangement is as plain as it sounds. There is no upfront charge and no small print to decode.

If you are weighing up your options right now, a free consultation is a good place to start. There is nothing to book and nothing to pay, and we are here when you are ready.

Source: Spolton Mortgages service terms.

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 Is Forces Help to Buy?Forces Help to Buy is designed to help serving Armed Forces personnel buy their first home or...
02/09/2026

What Is Forces Help to Buy?

Forces Help to Buy is designed to help serving Armed Forces personnel buy their first home or move to another property.

Rather than saving your entire deposit yourself, you may be able to borrow up to £25,000 through the scheme, completely interest free, to put towards your purchase.

The advance is repaid through your salary over time, making it one of the most valuable benefits available to serving personnel.

At Spolton Mortgages, we regularly help Armed Forces families understand how the scheme works alongside their mortgage options, so you can move forward with confidence.

If you're wondering whether Forces Help to Buy could help you, search "Spolton Mortgages Forces Help to Buy" on Google or send us a message.

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.

Before You Apply: The Four Steps That Put First-Time Buyers in the Strongest PositionMost first-time buyers ask "Can I a...
01/09/2026

Before You Apply: The Four Steps That Put First-Time Buyers in the Strongest Position

Most first-time buyers ask "Can I afford a mortgage?" when the more useful question is "How do I make sure the answer is yes?"

There is a sequence that matters, and the order is the point.

Step 1: Get an honest picture of three numbers before anything else.

What you earn, what you owe each month, and what you have saved.

Step 2: The deposit picture.

A deposit of around 5% can be enough with the right lender, but the deposit is not the whole story. Income, outgoings and stability all count.

Step 3: Understand how lenders read your situation.

Not every lender reads it the same way. Whole-of-market access means you see all the lenders likely to say yes, not just the familiar ones.

Step 4: From readiness to application.

Once the right lender is identified, the application needs submitting correctly and then managing all the way through to keys in hand.

A buyer who knows their deposit but has never checked their full financial picture is at step two, not step four.

Work through these steps in order and you arrive at the conversation already knowing which stage you are at.

Book a free consultation with Spolton Mortgages and find out exactly which step you are at today.

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 Is a Shared Ownership Mortgage?If you’ve been priced out of buying a home outright, a Shared Ownership mortgage cou...
01/09/2026

What Is a Shared Ownership Mortgage?

If you’ve been priced out of buying a home outright, a Shared Ownership mortgage could help you take your first step onto the property ladder.

Instead of buying 100% of a property, you purchase a share, usually between 10% and 75%, and pay rent on the remaining share. Your mortgage is based only on the share you’re buying, meaning the deposit and monthly mortgage payments can often be much lower than buying on the open market.

Shared Ownership isn’t right for everyone, but for many first-time buyers across Lincolnshire, it has made home ownership possible much sooner than expected.

If you’re wondering whether Shared Ownership could work for you, we’re happy to explain how it works and compare it with your other mortgage options.

Simply search “Spolton Mortgages” on Google to find our Shared Ownership guides, mortgage calculators and contact details, or get in touch for a friendly chat.

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.

We started as two former bank managers with one question: why is getting a mortgage so unnecessarily hard?In 2017, Nick ...
01/09/2026

We started as two former bank managers with one question: why is getting a mortgage so unnecessarily hard?

In 2017, Nick and Kasia Spolton left careers at Lloyds Bank to build a family business around the kind of honest, jargon-free advice they would have wanted themselves.

Nine years later, there are eight of us in the Carre Street office in Sleaford. We're a whole-of-market broker, which means we compare the market for you and explain it all without the jargon, from your first free consultation right through to completion.

That founding question still shapes how we work every day. Simple, honest advice, from a local team that lives and works in Lincolnshire.

The people in this photo are the ones you'll actually speak to (plus Carrie and Michelle. Come and say hello.

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.

We’re thinking about a logo redesign… although we quite like this version. 🍺Looking forward to the Sleaford Cricket Club...
30/08/2026

We’re thinking about a logo redesign… although we quite like this version. 🍺

Looking forward to the Sleaford Cricket Club Beer Festival this weekend! 🍻

A great event, some great beers and hopefully a great weekend.

30/08/2026

Sleaford Cricket Club beer festival, this weekend.

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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