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Fast & Friendly Mortgage Advice in Lincoln

7 Days a Week 8AM - 10PM

First Time Buyer

Remortgage

Moving Home

Buy to Let

Right to Buy

Self Employed

Help to Buy

Specialist

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We love helping all our customers, especially the ones who really need Mortgage Advice in Lincoln - it's not just about finding a mortgage. It's about the journey, we will hold your hand through the full process.

For your FREE mortgage consultation call 01522 581399 or Book an appointment online.

Book Online

For your FREE mortgage consultation call 01522 581399 or Book an appointment online.

Malcoms Image

We love helping all our customers, especially the ones who really need Mortgage Advice in Lincoln - it's not just about finding a mortgage. It's about the journey, we will hold your hand through the full process.

Book Online

Mortgage advice
your way

First Time Buyer

Remortgage

Moving Home

Buy to Let

Right to Buy

Self Employed

Help to Buy

Specialist

What our customers say

Mortgage Broker in Lincoln | Mortgage Advice in Lincoln

Welcome to Lincolnmoneyman – Mortgage Broker.

 

As a Mortgage Broker in Lincoln, we strive to be fast & friendly with the help of our trusted and experienced team. Whether you are just starting on the property ladder for the first time, or you are an existing homeowner looking to buy a new home or remortgage, we will provide you with a tailored service for your needs.

 

Our dedicated mortgage advisors in Lincoln can even help current or budding landlords enquiring about Buy To Let mortgage advice and can be a helping hand in creating success with your property and any future portfolio.

Mortgage Advice for New Purchases & Remortgage Advice in Lincoln

We find many of our customers get back in touch with us, particularly when they are looking at remortgaging because we aim for our mortgage advice in Lincoln to be clear and upfront.

 

Customer satisfaction is important to us and motivates our team to go further with continuing our journeys with existing customers. Whether you’re a returning or new customer, we provide a helping hand through the mortgage process and are there every step of the way.

 

We understand being a first time buyer can be a daunting and stressful process but we aim to combat any worries or stresses you may have with our mortgage advice service in Lincoln. A mortgage broker in Lincoln, like ourselves, will manage everything for you to provide peace of mind.

 

As well as being a trusted mortgage broker in Lincoln, we are knowledgeable when it comes to delivering specialist advice. We work with a large panel of lenders who provide a wide range of products. We will approach lenders whose criteria best matches with your circumstances to find the most appropriate mortgage deal for you.

Contact your Mortgage Broker in Lincoln

Our mortgage advisors in Lincoln are available 7 days a week. This means you are provided with regular updates on where you are in the mortgage process. Our aim is that you are kept well informed and you are on the right path to your mortgage dreams.

 

Get in touch to book your free initial mortgage consultation either over the phone or with our book online option to get an appointment with one of our knowledgeable mortgage advisors in Lincoln.

 

Friendly Mortgage Broker in Lincoln & surrounding areas

We have spoken to a multitude of customers over the years being a mortgage broker in Lincoln. It’s common to find that many of our customers approach us after being turned away from the bank without a lot of clarification as to why. Therefore, the customer may not have a full understanding of what to fix in order to resume the mortgage application.

 

Here at Lincolnmoneyman, we are knowledgeable with mortgage criteria and our mortgage advisors in Lincoln are more than happy to support you throughout your mortgage journey.

Mortgage Advice in Lincoln for Complex Situations

Over our 20 years being a mortgage brokers in Lincoln, we have encountered a range of situations. If you believe your circumstance is too complex and difficult, do not hesitate to get in touch with us. It’s very likely that we have faced a situation that is similar to yours and know how to exactly solve the issue.

We find many of our self employed customers who might be company owners, a partner or contractor seem to struggle to get a new mortgage arranged. Because of this, it can be beneficial to have an experienced mortgage advisor in Lincoln on your side.

 

Furthermore, this will apply if you have had credit problems in the past, been bankrupt, have a CCJ and/or low credit score. With in-depth knowledge of lending criteria, we can provide clients with expert advice on any individual circumstance.

Bank versus Mortgage Broker in Lincoln

We find that people contact us for mortgage advice in Lincoln after having difficulty on their mortgage journey with the bank. Common reasons that customers have difficulty include them not fitting within the bank’s strict lending criteria, struggling to get an appointment or can’t borrow enough.

 

If this is a situation you’re in, we would love to help you resume your mortgage journey with our expert advice in Lincoln. You will be in a more ideal position if you get advice from a mortgage broker in Lincoln when it’s time to secure a mortgage deal.

 

Trusted Mortgage Broker in Lincoln

As your helping hand in your mortgage journey, our knowledgeable mortgage advisors can search thousands of both residential and Buy to Let deals on your behalf. Before viewing houses with estate agents, it’s advised that you speak to a mortgage broker. If you choose Lincolnmoneyman, you will have an idea of the budget as well as a mortgage agreement in principle at the ready for when you want to make any offers.

 

Getting in touch for mortgage advice in Lincoln, can prepare you to be a brilliant position of being ‘mortgage ready’. As well as this, you will be early on in the home buying process and could put you ahead of any other home movers who may not be as organised when offering on your property.

Mortgage advice in Lincoln – Options:

First Time Buyer Mortgage Advice Lincoln

Our Mortgage Advisors in Lincoln are here to walk you through every step, from initial mortgage enquiry, right until you get the keys to your new home.

Moving Home Mortgage Advice Lincoln

Simply, wanting Mortgage Advice in Lincoln, such as knowing how much you can borrow on a new mortgage, what happens to your old one and how much this will cost?

Remortgage Advice Lincoln

Seeking a better mortgage deal by using our Mortgage Broker in Lincoln, to reduce or extend the term, to add or remove a name, or raise money on your home?

We search 1000's of mortgage deals across a large number of lenders, including:

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Common mortgage questions

Your free mortgage consultation in Lincoln will generally last around 60 minutes. An advisor will then recommend a mortgage for you, with no obligation for you to go forward. You are free to decide whether or not you wish to proceed with the mortgage in question.

As a dedicated and experienced mortgage broker in Lincoln, we work on your behalf. We will carry out a Fact Find to establish your personal needs before we recommend the most suitable mortgage for your circumstances. A credit check will then be required for you to obtain an Agreement in Principle. Once you have provided all the relevant documentation and a valuation of the property has been undertaken, a formal mortgage offer can be issued to you by the lender.

To avoid any kind of possible disappointment, we would definitely recommend that you obtain an Agreement in Principle before you begin viewing properties in Lincoln. At the very latest you should obtain one prior to making an offer, as it is free of charge and can put you in a much better bargaining position down the line.

An Agreement in Principle will usually lasts for anywhere between 30 and 90 days depending on the Lender that is used. If your Agreement in Principle expires it can always be refreshed with the help of your mortgage advisor.

It may be possible to get a second mortgage on your home if you’re looking to do Debt Consolidation or Home Improvements. You may also find that it’s possible to take out a mortgage on a second property if you’re wanting to use it for yourself, a family member, a holiday home or a Buy to Let.

The minimum deposit that a high street lender will require for a property purchase in Lincoln is typically 5%. This can be higher if you have had any credit problems in the past.

If you have had any type of credit problems in the past, you can still get a mortgage but you may possibly be required to put down a higher deposit than expected, perhaps 15% of the properties purchase price.

Once you have submitted at least one year’s accounts, you are then eligible for a mortgage. Most Lenders will be using your salary plus dividend to calculate the maximum mortgage, whereas others have been known to go off your net profit.

It’s usually three payslips that a lender will need to see for an employee to prove income and the latest 2 years’ accounts for Self Employed. You will also need to produce proof of ID, address and the last 3 months’ bank statements.

The general amount of time that your free consultation with an advisor will last is around an hour or so. A mortgage advisor can turn round an agreement in principle within 24 hours of your consultation. A formal mortgage offer will take on average about three weeks.

Lincolnmoneyman.com & Lincolnmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.

© 2021 Lincolnmoneyman

Lincolnmoneyman, Commerce House, Outer Circle Road, Lincoln, LN2 4HY.

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