Business Details
9 Years
experience
Expert Mortgage Brokers in Sleaford
Spolton Mortgages is a family-run mortgage and insurance brokerage established in 2017, founded by Nick and Kasia Spolton. Based in Sleaford, Lincolnshire, we specialise in providing clear, impartial advice on residential mortgages, buy-to-let financing, and protection insurance for clients across the UK. Our team of experienced mortgage advisers combines decades of banking and financial services expertise with a commitment to simplifying the mortgage process through free consultations and tailored guidance. We operate as an appointed representative of Stonebridge Mortgage Solutions Ltd, regulated by the Financial Conduct Authority, ensuring compliance with industry standards. Our services cover first-time buyer mortgages, remortgaging, complex cases, and specialist products such as offset mortgages and equity release.We prioritise client relationships, offering ongoing support from application to completion and beyond. With a focus on transparency, we provide no-obligation consultations and maintain a fee structure that rewards public sector professionals. Our local knowledge extends to Lincolnshire and surrounding areas, including RAF bases, while serving clients nationwide through remote consultations. We pride ourselves on accessible, jargon-free advice, supported by a panel of trusted lenders and insurance providers. Our mission remains to make homeownership and financial protection achievable and stress-free for every client.
Services
First-Time Buyer Mortgages
Buy-To-Let Mortgages
Remortgaging
Bad Credit Mortgages
Equity Release
Offset Mortgages
Life Insurance
Home Insurance
Details
- Year established: 2017
Highlights and features
- We offer free initial consultations with no obligation.
- Our advisers have over 25 years combined banking experience.
- We provide specialist mortgages for armed forces and public sector workers.
- We access the whole mortgage market to find best deals.
- Our FCA regulation ensures compliance with financial standards.
Associations and certifications
- Financial Conduct Authority
Services
First-Time Buyer Mortgages
We specialise in guiding first-time buyers through the mortgage process, explaining government schemes like Help to Buy and Shared Ownership. Our advisers compare lenders offering 5% deposit mortgages and help structure family gifted deposits. We provide clear explanations of fixed-rate and tracker mortgages while ensuring affordability assessments consider individual circumstances. Clients receive ongoing support from initial consultation to completion.
Buy-To-Let Mortgages
Our buy-to-let specialists advise landlords on portfolio growth and single-property investments. We explain lender criteria for rental income stress testing, deposit requirements, and limited company structures. The team compares products for both new and experienced landlords, offering guidance on remortgaging properties or transitioning from residential to investment financing while considering tax implications.
Remortgaging
We help homeowners review existing mortgages to identify savings through better rates or equity release. Our advisers explain porting options when moving home and compare remortgaging costs against current deals. Clients receive guidance on using equity for home improvements or debt consolidation while ensuring new arrangements align with long-term financial goals.
Bad Credit Mortgages
We assist clients with credit challenges by identifying lenders that consider individual circumstances beyond credit scores. Our team explains how to demonstrate financial recovery through stable employment or improved payment history. We compare specialist products for clients with County Court Judgments, defaults, or previous bankruptcies while ensuring affordability remains central to any recommendation.
Equity Release
Our FCA-regulated equity release advice helps older homeowners access funds tied to their property. We explain lifetime mortgage options and home reversion plans, comparing interest rates and payment structures. The team ensures clients understand inheritance implications while prioritising products that maintain residency rights and provide financial security for later life needs.
People
Nick Spolton
Joint Founder and Director
Former Lloyds Bank senior manager with over 20 years' experience in financial services. Co-founded Spolton Mortgages to provide honest mortgage advice, combining banking expertise with family values. Specialises in client relationship management and mortgage market strategy.
Kasia Spolton
Joint Founder and Director
Ex-Lloyds Bank branch manager with a decade of community banking experience. Focuses on client care and protection insurance advice. Combines financial expertise with a client-centric approach to ensure clear communication and long-term financial security for homeowners.
John Hallam
Mortgage Adviser
25-year financial services veteran offering expertise in mortgage solutions. Prioritises understanding client goals to recommend tailored financing options. Specialises in first-time buyer mortgages and property transitions while maintaining a friendly, approachable advisory style.
Seth Jackson
Mortgage Adviser
32-year financial industry professional with specialist knowledge of complex mortgage cases. Focuses on clear communication and long-term client relationships. Advises on buy-to-let portfolios, remortgaging strategies, and mortgage protection planning with a commitment to transparency.
Tom Clifton
Mortgage Adviser
Former Royal Air Force flight operations specialist with strong problem-solving skills. Translates military experience into mortgage advice, particularly for armed forces personnel and veterans. Specialises in Help to Buy schemes and mortgage applications requiring detailed documentation.
Questions
What mortgage types do you offer?
We provide all mortgage types including first-time buyer, buy-to-let, remortgaging, equity release, and specialist mortgages for armed forces personnel and clients with adverse credit.
Do you charge for initial consultations?
No, our mortgage and insurance consultations are free with no obligation. Fees only apply if you proceed with a mortgage application.
Can you help with bad credit mortgages?
Yes, we specialise in finding mortgage solutions for clients with credit challenges by working with lenders that consider individual circumstances beyond credit scores.
Do you offer insurance services?
Yes, we provide life insurance, critical illness cover, income protection, home insurance, and family protection policies to complement mortgage arrangements.
How do your mortgage fees work?
Our standard fee is £199 on mortgage offer receipt plus £100 on completion. Public sector workers receive a discounted total fee of £199.
Can you assist armed forces personnel?
Yes, we offer specialist Help to Buy mortgages for armed forces members and provide fee discounts for all public sector workers through our Forces Help to Buy service.
