Fast & Friendly Mortgage Advice in Lincoln
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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.
To speak with a mortgage advisor, book your FREE mortgage appointment online or give us a call on 01522 581399.
Enquire OnlineTo 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 Online4.99 Rating101 Reviews
Charlotte
Charlie has been nothing but helpful, answers all questions thrown at him, takes the time to explain what everything means which has been hugely helpful as a first time buyer! It’s been a really quick and smooth process from the rest of the team...
2 days ago
Anonymous
Jason and Megan were absolutely brilliant! Both helping me through the entire process.
3 weeks ago
Hope
Matt & Paula have been so great and efficient in supporting us as first time buyers. Not once did we feel overwhelmed during the process which is great given that we came into this not knowing what to expect. Everything has been quick and efficient,...
1 month ago
Thomas
Matt was incredibly honest and helpful throughout the process even though he was aware I was speaking to a variety of advisors at my point of contact. His knowledge, responsiveness, and willingness to discuss options available to me, made him the...
2 months ago
Hannah
Matt and Stacey were really helpful in sorting our remortgage out. Matt was quick to get back to us when we had questions and Stacey was always on hand as support
2 months ago
Alexander
Dinah has always been available and communicated any changes or good advice we needed. We really appreciate your support
3 months ago
Emma
Quick, efficient, informative service
3 months ago
Milly
Charlie Bryson has been fantastic, supporting me as a first-time buyer from getting an agreement in principle to viewing houses and then through to a mortgage offer in just two weeks! It was a pleasant surprise to find a broker who could explain...
3 months ago
Tori
My mortgage broker was Leo! He’s always been amazing and Iv been dipping in and out for a few years. He really helped me and found the best deals and explain everything I didn’t understand. He was always there on hand and if he had any...
3 months ago
Matthew
Very quick and helpful service.
4 months ago
Andrew
Very helpful and efficient
7 months ago
Michael
Had the good fortune of having Louise H handling our mortgage/sale and she was fantastic throughout. Often filling gaps in communication from our solicitor and regularly engaged from start to finish.
7 months ago
Gordon
I used Lincolnmoneyman when the Nationwide seriously let me down with their offer of a mortgage. Dan Osman was immediately helpful and explained the system and facilitated the set up of our equity release mortgage. With the help of his assistant...
9 months ago
Jordan
‘Great service as usual’
9 months ago
Justin
Daniel was so helpful, he gave us several options despite the worst time to change mortgages! We highly recommend them.
9 months ago
Gareth
Chris and Debbie provided an excellent customer service and their knowledge and expertise in the Specialist lending market was second to none. Both have an easy, friendly manner and they went more than the extra mile to ensure our dream home became...
10 months ago
Kirsty
Myself and my fiance would absolutely recommend this company to anyone! Charlie and Lyndsey have been amazing from day one. Understand how nervous we were as first time buyers and have communicated with us every step of the way. We genuinely...
10 months ago
Shona
Fantastic and professional all the way through helpful when needing questions answered and gave great advice will definitely use again and recommend to everyone
10 months ago
Francesca
Matt and Debbie were both great. Matt was my advisor and was extremely thorough and rapid, particularly given the challenging climate of rising interest rates. Debbie was my case manager, she was friendly and approachable and helped me with my many...
1 year ago
Rosie
This is the second time we have used money man mortgage brokers. We never have any issues with them, keep you up to date with all issues, assist in any way they can and have friendly staff who are always there if needed. We will definitely use...
1 year ago
- Mortgage Advice
- Why Us?
Speak to a mortgage broker in Lincoln for expert mortgage advice in Lincoln.
Welcome to Lincolnmoneyman.com! We are proud to be your trusted mortgage broker in Lincoln, a name well-recognised in the city and its surrounding areas. Since our establishment in 2009, we have remained dedicated to meeting the unique needs of our customers and handling their situations with the utmost care.
Drawing upon our extensive knowledge and experience in the property market, we go the extra mile to ensure that our customers receive the best possible solutions available. Our profound understanding of the mortgage market empowers us to sift through thousands of mortgage deals and pinpoint the one that perfectly aligns with your requirements.
Don’t hesitate to schedule your free mortgage appointment today and engage in a conversation with a skilled mortgage advisor in Lincoln. Let’s explore the possibilities together.
Benefit From Open and Honest Mortgage Advice in Lincoln
We take great pride in being open and honest mortgage advisors in Lincoln. Our unwavering commitment is focused on helping customers with their mortgage inquiries and providing them with the support they need.
Our dedication to delivering excellent service is evident in the consistently positive reviews we receive. The Lincolnmoneyman team of trusted mortgage advisors in Lincoln is here to guide you through your mortgage journey with both simplicity and confidence.
Whether you are entering the property market as a first-time buyer in Lincoln or an existing homeowner exploring various options like moving home, remortgaging in Lincoln, or considering later life lending solutions, we are here to help you realise your mortgage objectives.
Find Out How a Mortgage Broker in Lincoln Can Help You
At Lincolnmoneyman, our dedicated team of mortgage advisors in Lincoln meticulously sift through a myriad of mortgage deals to identify the one that perfectly aligns with your specific goals. Our objective is to not only save your time but also safeguard your peace of mind by simplifying the often intricate and demanding mortgage landscape.
With our highly proficient mortgage administrators and seasoned mortgage advisors in Lincoln, you can rest assured that you are in capable hands. It’s a rarity for us to encounter a situation we haven’t encountered in some form before, which means we are well-prepared to navigate various scenarios and provide you with sound guidance.
Finding Solutions for Both First Time Buyers in Lincoln and Existing Homeowner Remortgages
Whether you’re a first-time buyer in Lincoln or someone returning to the property market after a hiatus, our service is tailored to be an invaluable resource for you.
We understand that purchasing a new home can be a daunting journey, and we are here to provide unwavering support throughout the entire process. No matter what challenges we encounter along the way, we will work together to overcome them.
For existing homeowners in Lincoln exploring remortgage options, our expertise shines as we meticulously evaluate thousands of deals to pinpoint the one that best suits your needs.
During the remortgage process, many of our clients contemplate capital-raising solutions, whether it’s for home improvements or consolidating debts such as credit cards and loans. This is a specialised area, and we are committed to offering you transparent and candid advice, always keeping your best interests at the forefront of our recommendations.
Expertly Answering Your Mortgage Questions
Your trusted mortgage advisor in Lincoln is here to provide help and guidance on all mortgage-related matters, ensuring you have access to our expertise seven days a week, from early morning to late in the evening. Our dedicated team is just a phone call or email away, ready to provide support and answer any questions you may have about your mortgage.
Mortgage Advice in Lincoln for Complex Cases
With our experience as a mortgage broker in Lincoln since 2009, we’ve encountered nearly every conceivable mortgage situation. We consider all applications, and no challenge is too formidable. Don’t hesitate to reach out, even if you believe your situation is exceptionally complex, as it’s highly likely that we’ve faced similar hurdles before and know precisely how to help you.
Whether you are self-employed, a business owner, a partner, a contractor, or on probation with a new employer, and you’re encountering difficulties securing a new mortgage, an experienced mortgage advisor in Lincoln can be of significant help.
The same applies if you have a history of credit problems, bankruptcy, a CCJ, or a less-than-ideal credit score. We possess in-depth knowledge of lending criteria and extensive experience in providing expert advice to clients with diverse individual situations.
Bank versus a Mortgage Broker in Lincoln
Frequently, our clients initially approach their own bank when seeking mortgage advice in Lincoln. However, many find themselves turned away for various reasons, including not meeting the bank’s criteria, encountering stringent affordability checks, difficulties in securing appointments, or simply being unable to borrow the required amount.
If you find yourself in any of these situations, it’s important to reach out to a mortgage broker in Lincoln, such as our team, who are eager to help you. The sooner you seek advice from a broker, the more advantageous your position will be when you’re ready to secure a mortgage deal.
Searching Through 1000s of Mortgage Deals
In our role as your mortgage broker in Lincoln, we diligently explore a vast array of residential and buy to let mortgage options on your behalf. Our panel comprises a diverse range of mortgage lenders, encompassing both high street and specialist products.
It is advisable to speak with a mortgage broker like us even before you start viewing properties with estate agents. This proactive approach enables us to provide you with a clear understanding of your budget and prepare a mortgage agreement in principle document, which can bolster any offers you decide to make.
Get in touch with Lincolnmoneyman for transparent and honest mortgage advice in Lincoln, available 7 days a week.
Common Mortgage Questions in Lincoln
How long does the process in Lincoln take?
Our initial mortgage appointment, provided to you at no cost, typically spans approximately 30 minutes. As an experienced mortgage broker in Lincoln, we take pride in our swift 24-hour turnaround time for providing an Agreement in Principle.
All it entails is a brief phone call to gather the necessary information. On average, the formal issuance of a mortgage offer usually takes around three to four weeks.
What documents will I need to provide for my mortgage in Lincoln?
If you’re an employee, the standard requirement usually involves submitting three recent payslips and your latest P60 to substantiate your income. For self-employed individuals in Lincoln, the typical documentation includes the latest two years’ tax calculations and corresponding summaries.
You’ll also be asked to provide proof of identification, such as a driving license or passport, along with proof of address, which can be evidenced through utility bills, tax bills, or credit card statements. Additionally, a three-month bank statement will be requested. This statement serves a dual purpose by demonstrating the accumulation of your deposit and offering explanations for any significant credits.
I’m self employed in Lincoln, can I get a mortgage?
The good news is that securing a mortgage while being self-employed in Lincoln is entirely feasible. To meet the criteria, you’ll typically need to provide at least one year’s worth of accounts. Furnishing these documents significantly enhances your chances of obtaining mortgage approval.
Most lenders generally calculate the maximum mortgage amount based on your salary and dividends, although others may consider your net profit. The specific approach varies depending on the lender.
Can I get a mortgage in Lincoln with previous credit problems?
The encouraging news is that while prior credit issues may pose some challenges, obtaining a mortgage is not out of the question. You can still make it happen! In such cases, some lenders might request a slightly higher deposit, typically around 10-15%.
How much deposit do I need for a mortgage in Lincoln?
Typically, most mainstream mortgage lenders require a minimum deposit of 5%. However, this percentage may be higher, depending on your individual circumstances, particularly if you have a history of previous credit issues.
Can I get a second mortgage in Lincoln?
The good news is that it’s entirely feasible to manage two concurrent mortgages in Lincoln, provided you have the financial capacity to handle the monthly repayments for both. Whether you’re aiming for debt consolidation or planning home improvements, exploring the option of securing a second mortgage on your property is possible.
How long does an Agreement in Principle last?
An Agreement in Principle typically has a duration of 30 to 90 days, although the specific timeframe is determined by the lender. Should your Agreement in Principle expire, there’s no need to worry; you can easily renew it by reaching out to your trusted mortgage advisor in Lincoln.
When should I obtain an agreement in principle in Lincoln?
As a dedicated mortgage broker in Lincoln, we strongly advise obtaining an Agreement in Principle (AIP) as early as possible, ideally before you begin your property viewings. Having an AIP in place when you’re viewing houses can potentially provide you with an advantage when negotiating prices.
How does the mortgage process work?
Our mortgage process encompasses several distinct stages. The journey commences with an initial contact, during which one of our dependable mortgage advisors in Lincoln conducts a Fact Find to gain a comprehensive understanding of your unique mortgage situation.
Next, you’ll progress to your free mortgage appointment, where your designated mortgage advisor in Lincoln initiates the search for mortgage deals tailored to your specific circumstances. If they identify an offer that aligns with your preferences, we can initiate the mortgage application process.
Following this, a credit check is performed to secure an Agreement in Principle, and you’ll be asked to provide specific supporting documents to strengthen your mortgage application.
Ultimately, your mortgage application will be submitted, and we’ll await the issuance of a formal mortgage offer.
How does the free initial mortgage appointment in Lincoln work?
Your initial free mortgage appointment with your dedicated mortgage advisor in Lincoln typically lasts around 30 minutes.
During this appointment, we delve into your mortgage requirements, gaining a deeper understanding of your needs. With a clearer picture of your personal and financial situation, we proceed to search for mortgage deals that are an ideal match for you.
Mortgage advice in Lincoln – Options:
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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 30 mins. 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.
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