Read our 79 Reviews
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.
To speak with a mortgage advisor, book your FREE mortgage appointment online or give us a call on 01522 581399.Enquire Online
To speak with a mortgage advisor, book your FREE mortgage appointment online or give us a call on 01522 581399.
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.Enquire Online
4.99 Rating79 Reviews
Excellent service from Charlie at Lincolnmoneyman, thorough and prompt in collecting all information to look at deals, and coming back with recommendations for remortgage. Great Communication, and supported by a great processing team, our...
Both Kayleigh and Malcolm were extremely helpful. They made the mortgage application process stress free, kept us up to date throughout, and got us a better mortgage rate than we could have got ourselves.
Dan has been fantastic! Knowledgeable, personable and reliable! I have really valued his help. He made the process nice and easy. Thanks
We have found the service provided excellent. We have been communicated with all the way through the process and in a timely manner. Thank you again for all your assistance.
Lincolnmoneyman have done a fantastic job of helping us to find and secure a suitable mortgage for us to buy our first home. Always on hand to give professional advice and quick to get back to you with any answers to our queries. Would recommend...
Really pleased with the service provided. Two main contacts were brilliant and kept me informed every step of the way.
Brilliant service from start to finish, easy to deal with, very helpful. Highly recommended. Thank you.
Very helpful from the beginning. Leo and Kerry were there for us each step of the journey and made it stress free. An ideal feeling to have when buying your first house. Would highly recommend.
Myself and my partner are first time buyers and Lincoln Moneyman made the process very quick and easy! They were very polite and helpful, always quick to respond and we couldn’t recommend them enough!
Brilliant at sorting out the best deal mortgage. They always stay in touch at every stage. Definitely recommend Lincolnmoneyman.
I would highly recommend Lincoln Money Man. Overall everyone has been great… Tom was great and got us an appointment super quick, explaining everything in detail to us and taking the time to go over stuff. Once we had completely are...
Very pleasant and welcoming conversation.
Spoke for around ten minuets on the phone very friendly and helpful was very impressed considering it was a Sunday
I contacted Lincolnmoneyman in a hurry and they sorted me out an agreement in principle in just a few hours. Excellent service and very friendly. I'd recommend them to absolutely everyone.
Handled our remortgage efficiently and to our requirements. All staff were extremely courteous and responded to queries quickly and clearly. Very pleased with the service provided and the re-mortgage deal Lincolnmoneyman was able to get us saving...
Very helpful team.
Leanne was helpful with our enquiry.
Very helpful. Wayne and Kayleigh and Molly were all a great help. After having disappointing news from existing mortgage provider Lincoln Money Man ensured we got an Agreement in Principal from a well established mortgage provider and Wayne was very...
Very helpful and there when we needed them.
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.
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.
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.
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.
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.
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.
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.
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.