Spolton Mortgages Reviews 

16
TrustScore 4.5 out of 5

4.5

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Company details

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Spolton Mortgages is an independent, family-run mortgage and insurance broker based in Sleaford, Lincolnshire, providing whole-of-market advice across Sleaford, Lincoln, Grantham, Boston, Newark, Stamford and Bourne. We advise first-time buyers, home movers, landlords and homeowners on buy-to-let mortgages, remortgaging, self-employed and bad-credit cases, new-build, shared ownership, and low or no-deposit mortgages, including Armed Forces Help to Buy. Founded in 2017 by former Lloyds Bank managers, we offer clear, jargon-free advice by phone, video or in person. Rated 5 stars with 370+ verified reviews, we’re trusted by families, investors and service personnel across Lincolnshire. Your home may be repossessed if you do not keep up repayments on your mortgage.


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4.5

Excellent

TrustScore 4.5 out of 5

16 reviews

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4.5

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(16)

16 reviews in the last 12 months

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Rated 5 out of 5 stars

Highly recommended!

We couldn’t recommend Nick highly enough! He was amazing when helping us secure our first mortgage, and more recently, he helped us arrange a new mortgage so we could move house.

Nick makes what can be a very stressful process feel completely straightforward and stress-free. He took the time to understand our circumstances, found us the best deal to suit our needs, and made sure we were aware of all the available options. He also went through everything with us carefully to ensure we understood what we were borrowing and, importantly, that we could comfortably afford it.

The online portal Nick uses is also incredibly easy to navigate, making submitting all the information and documents needed really simple.

Nick is super friendly, knowledgeable and always available whenever we have a question or need advice. We’ve felt completely supported throughout both of our mortgage journeys and wouldn’t hesitate to recommend him to anyone looking for a mortgage advisor. Thank you!

27 March 2026
Unprompted review
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Reply from Spolton Mortgages

Hi Cat,

Thank you so much for such a lovely review. It’s been a real pleasure helping you with both your first mortgage and now your move, and we're really pleased I could make the process feel a little easier along the way.

It’s great to hear you found the portal easy to use too!

Wishing you all the best in your new home, and thank you again for putting your trust in us.

Kindest Regards,
Nick and the team at Spolton Mortgages

Rated 5 out of 5 stars

Stress-Free Self-Employed Remortgage

Nick was recommended to me by a few people, he made the painful process of re-mortgaging as a self employed business owner very easy and straightforward.

15 September 2025
Unprompted review
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Reply from Spolton Mortgages

Hi Russell,

It's been a pleasure to support you.

Thank you for trusting us with your mortgage advice needs but also for taking the time to leave us a great review.

Please remember you only need to ask, if there's anything we can support you with in the future, even if it's just to answer any questions you might have.

Kindest Regards,
Nick & the team

Rated 5 out of 5 stars

Highly recommended

Highly recommended! The team at Spolton Mortgages have been looking after our mortgage needs for the last 7 years. They have always provided an excellent service, kept us up to date all the way through the process and have come up with a more than satisfactory outcome every time. All the staff were so pleasant and polite and nothing was ever too much trouble. We will definitely be using their services again in the future.

28 August 2026
Unprompted review
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Reply from Spolton Mortgages

Hi,

Thank you for your very kind words.

We're privileged you chose to use us again recently and it's great to hear that our service lived up to expectations again.

Please remember our support doesn't stop when your mortgage starts - we're always only ever a phone call away if there's anything you need.

Kindest Regards,
Nick & the Spolton Mortgages team.

Rated 5 out of 5 stars

After my 5 year fixed rate was due to…

After my 5 year fixed rate was due to expire. I contacted Nick. He was amazing as usual. Talked me through al my options. No pressure to decide. Very knowledgeable. Will always use Nick for my mortgages.

11 September 2026
Unprompted review
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Reply from Spolton Mortgages

Hi Liz,

It was great to see you again recently and I can't believe 5 years has passed so quickly.

Thank you for your kind words and please remember we're always here when you have any questions.

Kindest Regards,
Nick and the team

Rated 5 out of 5 stars

Second mortgage

This was my second time processing a mortgage with Nick and both times he’s been faultless. Nick has been incredibly supportive and taken away any element of stress that comes with remortgaging. I cannot recommend Nick enough!

1 September 2026
Unprompted review
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Reply from Spolton Mortgages

Hi Chelsea,

It's been a pleasure to help you again and we're happy to hear that we could take away any stresses for you.

Thank you so much for your kind words and remember, if at any time you have any questions, you only need to ask.

Kindest Regards,
Nick & the Spolton Mortgages team.

Rated 5 out of 5 stars

Excellent service delivered over the past 8 years.

Nick has always been very helpful, honest and trustworthy with his recommendations and always ensures the advice given is for my benefit and certainly not for his sales or profits.

I have trusted Nick with my mortgage portfolio for approx 8 years and have always received good guidance, efficient and reliable support as and when needed.

I would definitely recommend Spolton Mortgages for any new or remortgages as they will ensure that the clients' best interests are at the heart of the process.

12 August 2026
Unprompted review
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Reply from Spolton Mortgages

Hi Rita,

Thank you for trusting us to support you with your mortgage portfolio and for your kind words.

It's always a pleasure to help and we're always just a phone call away if you need our support.

Kindest Regards,
Nick & the Spolton Mortgages team.

Rated 5 out of 5 stars

Mortgage raising capacity report

I needed to get a mortgage raising capacity report and came across Spolten Mortgages via Google. After browsing their site I sent them a message one evening and got a prompt email back the next morning. Within a week I had a face to face meeting with Nick who is very friendly, professional and made the experience an easy one. By the end of the meeting I had the report I needed as well as getting some important information for the future. Although I wasn't using their services to find a mortgage; I'll have no hesitation in using their services when I do need one.

Even when needing to go back for further help in April, help was at hand and dealt with professionally. It was made very clear to me that they value me as a customer and that if I need any help in the future they are more than willing to provide it.

Thank you for taking the time to help me and I look forward to using your services in the future.

22 January 2026
Unprompted review
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Reply from Spolton Mortgages

Hi James,

It's been a pleasure to help you so far and it makes us happy to hear that our service has helped make things a little easier for you.

Thank you for your kind words and recommendation - we're always here to help when you need us.

Kindest Regards,
Nick & the Spolton Mortgages team.

Rated 5 out of 5 stars

Spolton Mortagages

I sought the services Spolton Mortages at at very stressful time and was given very personal, no nonsense, advice that culminated in the delivery of a mortgage in principle on the same day. My telephone, email and in person exchanges with the company have been exemplary and I would (and have) recommended them widely as a result.

22 May 2026
Unprompted review
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Reply from Spolton Mortgages

Hi,

Thank you for your very kind words and recommendations - it makes us happy to know that you enjoyed your experience with us.

Please remember, if there's anything you need at any time, you only need to ask.

Kindest Regards,
Nick & the Spolton Mortgages team

Rated 5 out of 5 stars

Very friendly and helpful appointment…

Very friendly and helpful appointment and follow ups with Nick ensuring we are on the best rate for us. Will be using again in the future.

14 March 2026
Unprompted review
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Reply from Spolton Mortgages

Hi Charlotte,

Thank you for these kind words.

It was a pleasure to help and we're always here to support you, whenever that may be needed.

Kindest Regards,
Nick & the Spolton Mortgages team

Rated 5 out of 5 stars

Fantastic service

Fantastic service , I always recommend Nick and his team because they are on the ball with everything they do , very professional and knowledgeable but also great people which makes all the difference.
I feel like I am in safe hands with them and I trust them which is important.
Thank you Team Spolton xx

13 March 2026
Unprompted review
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Reply from Spolton Mortgages

Thank you so much for your lovely review and for your continued support of Nick and the team at Spolton Mortgages.

It means a great deal to us that you not only trust us with your mortgage needs but also feel confident recommending us to others. Building that trust with our clients is incredibly important to us, so your kind words about the team being professional, knowledgeable, and approachable really do mean a lot.

We’re so pleased to hear that you feel in safe hands with us — that’s exactly the experience we aim to provide for every client we work with. Your support and recommendations truly make a difference to our small business.

Thank you again from the whole Spolton Mortgages team, we really appreciate it! 💙

Rated 5 out of 5 stars

Brilliant service

Brilliant service, couldn't recommend this company enough.

They have a really down to earth team who go the extra mile, especially Tom.
Tom has been outstanding with the whole process in which he made everything much easier to understand and straightforward.

You are in good hands with Spolton Mortgages.

4 March 2026
Unprompted review
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Reply from Spolton Mortgages

Hi Guy,

It always makes us happy to get a review, especially when it's described as "outstanding" so thank you for taking the time to register your review online.

Tom and the whole team take gret pride in what they do so I'll be sure to share this feedback with them this morning.

It's been a pleasure to support you on the journey and please remember that whenever you have a question, no matter how small, we're always here to help.

Kindest Regards,
The Spolton Mortgages team

Rated 5 out of 5 stars

Consistent Excellence

This is the second time we’ve used Nick for our mortgage needs, and once again, the service from all at Spolton Mortgages was excellent. We didn't hesitate to return because of how easy they made things the first time, and this remortgage was no different. They found us a great deal and handled the transition perfectly. It’s such a relief having an expert you can trust

2 March 2026
Unprompted review
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Reply from Spolton Mortgages

Thank you so much for leaving a review of our service Shaun.

It's been a pleasure to help you again and, as always, we're only a phonecall or email away if there's anything we can help with in the future.

Kindest Regards,
The Spolton Mortgages team.

Rated 5 out of 5 stars

made the whole process seemless!

Nick and Kasia just made the whole process so seamless. This is my 2nd experience with Spolton Mortgages - on this occasion Nick helped to sort out my Help to Buy equity loan I needed to get out of. Kasia sorted out all my insurance needs.

Thank you both

29 October 2025
Unprompted review
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Reply from Spolton Mortgages

Thanks for your kind review Georgia.

It's a privilege to be involved on your journey and we're so happy that we achieved everything for you that you needed.

We're always just a call or email away so whenever you have any questions, however small, please feel free to reach out for help.

Kindest Regards,
The Spolton Mortgages team

Rated 5 out of 5 stars

We had a great experience working with…

We had a great experience working with Nick as our mortgage advisor and Kasia as our insurance advisor. Nick made the mortgage process clear and stress-free, explaining everything and guiding us every step of the way.

Kasia helped us find the best insurance cover tailored to our needs, making sure we got a great deal and fully understood our options.

Both were professional, supportive, and always quick to respond. We highly recommend them!

17 February 2026
Unprompted review
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Reply from Spolton Mortgages

Hi Zoe,

Thank you for taking the time to leave a review of our service and for your very kind words.

It makes us happy to know that you felt supported throughout and we're always here to help answer any questions you may have in the future, however small they may feel.

Kindest Regards,
The Spolton Mortagges team.

Rated 5 out of 5 stars

I am very satisfied with the service I…

I am very satisfied with the service I received. The whole process was explained clearly and professionally, and communication was excellent throughout. I felt supported at every stage and all my questions were answered patiently. Highly recommended.

9 February 2026
Unprompted review
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Reply from Spolton Mortgages

Hi Paula,

We're very happy that you felt supported. It's been our pleasure to help you on the journey and we wish you the very best in your wonderful new home.

Please remember that we're always happy to answer any questions you have in the future and we're always her at the end of the phone when you need support.

Kindest Regards,
The Spolton Mortgages team.

Rated 5 out of 5 stars

Amazing Service

I can not rate the amazing Spolton Mortgage team enough. What a super friendly and happy team.

Moving and buying a house is a crazily stressful experience, and Nick and Kasia have made this experience as smooth as they possibly could.
They are always available to talk to, or quick to respond, even if it for the daftest of questions. (Which was a few from me!)
They have worked around us with times of meetings to make it easier to attend. Nothing is to big for these guys.
Nick was always rate reviewing our mortgage even after is all in place. He has saved us so much money long term.

The portal that is used to provide documentation is easy to use and they assist you well in getting this set up and throughout use.

They are 100% the only company we will use, and will always recommend to anyone in need of a mortgage advisor.

Kasia does an amazing job doing all the insurances that go alongside. She has done most of this for us and has saved us so much money from what we had already got in place.

These guys are worth their weight in gold.
it is amazing to know that we have someone that we can trust to have our needs first.
Thank you so much for everything that you have done for us, you've been amazing.

See you at renewal date!
Suzi & Matt

3 February 2026
Unprompted review
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Reply from Spolton Mortgages

Suzi & Matt,

Thank you so much for taking the time to leave such a thoughtful and generous review — it genuinely means the world to us.

Buying and moving home can be incredibly stressful, so knowing we were able to make the process smoother and give you peace of mind is exactly why we do what we do. From day one, our aim is to treat every client like family, and to always put your needs first — so reading your words truly means everything.

It’s been an absolute pleasure supporting you both, from the mortgage through to the insurances, and we’re so glad we could help save you money and make everything feel straightforward and manageable along the way (no question is ever a daft one!).

Thank you for trusting us, for your kind recommendations, and for being such a joy to work with. We’ll be right here whenever you need us — and we’ll look forward to seeing you again at renewal time.

All the very best,
Nick & Kasia
Spolton Mortgages

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