Guiding You Home…
At Spence Mortgages, we understand that arranging a mortgage, life insurance, or other financial protection products can feel complex and overwhelming. That’s why we’re committed to making the process as straightforward and stress-free as possible. Our experienced and dedicated advisers are here to guide you every step of the way, providing expert advice and support tailored to your individual needs.


Friendly, Concise & Modern
Buying a home and protecting your family’s future should be exciting, not stressful. At Spence Mortgages, we make mortgages, life insurance, and protection products simple to understand. Our friendly, knowledgeable advisers are on hand to support you throughout the entire journey, helping you make confident and informed decisions.
Trust Focused
Whether you’re buying your first home, remortgaging, or protecting what matters most, Spence Mortgages is here to help. We take the complexity out of mortgages and protection planning, offering expert guidance, tailored recommendations, and dedicated support from start to finish.


First Time Buyer
Buying your first home is one of life’s biggest milestones, and securing your first mortgage is an important part of that journey. While it’s an exciting time, the mortgage process can often feel complex and overwhelming, especially if you’re unfamiliar with the steps involved.
At Spence Mortgages, we’re here to make the process as simple and stress-free as possible. From helping you understand deposit requirements and affordability to navigating government schemes and mortgage options, we’ll guide you every step of the way. Our goal is to help you achieve your property ambitions with confidence and peace of mind.
Guiding You Home, Every Step of the Way
Spence Mortgages Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.
Spence Mortgages Ltd is registered in England and Wales under company number 16406201 at registered address 152 Great North Road, St. Neots, Cambridgeshire, England, PE19 8GS
FCA Number: 1036687
Your home may be repossessed if you do not keep up repayments on your mortgage.
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