At Spence Mortgages, we believe that buying a home should be an exciting milestone, not a stressful experience. Whether you’re purchasing your first property, moving home, remortgaging, or looking to protect your family’s future, we’re here to provide clear, honest, and expert advice every step of the way.
Founded by Barnaby Spence, Spence Mortgages was created with one simple goal: to make mortgage and protection advice straightforward, personal, and tailored to each client’s individual circumstances.
We understand that every client is different. That’s why we take the time to get to know you, your goals, and your financial situation before recommending a solution that’s right for you. No jargon, no unnecessary complexity, just professional guidance you can trust.
Why Choose Spence Mortgages?
Personal Service
You’ll work directly with a dedicated adviser who will support you throughout your mortgage journey, from your initial enquiry through to completion and beyond.
Expert Advice
We stay up to date with the latest mortgage products, lending criteria, and market developments to help you secure the most suitable solution for your needs.
Support Every Step of the Way
Mortgages can feel overwhelming, especially for first-time buyers. We’ll explain every stage of the process, answer your questions, and ensure you feel confident and informed throughout.
Protection for What Matters Most
A mortgage is one of the biggest financial commitments you’ll ever make. We can also help you protect your home, income, and loved ones through carefully selected protection solutions.
Our Services
- First-Time Buyer Mortgages
- Home Mover Mortgages
- Remortgages
- Buy-to-Let Mortgages
- Life Insurance
- Critical Illness Cover
- Income Protection
- Family Protection Planning
Our Commitment
At Spence Mortgages, our focus is always on building long-term relationships based on trust, transparency, and exceptional service. We are committed to providing advice that puts your needs first and helping you make informed decisions with confidence.
Whether you’re taking your first step onto the property ladder or reviewing your current mortgage arrangements, we’re here to help.
Spence Mortgages
Guiding You Home
Regulatory Information
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 Register Number 1036687.)