Mortgage Broker in Lincoln | Mortgage Advice in Lincoln

Fast & Friendly Mortgage Advice in Lincoln

Appointments Available on Evenings and Weekends

Reviews io White Logo

Read our 83 Reviews

Reviews IO Stars

First Time Buyer

Remortgage

Moving Home

Buy to Let

Right to Buy

Self Employed

Help to Buy

Specialist

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.

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.

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.

Enquire Online

Mortgage advice
your way

First Time Buyer

Remortgage

Moving Home

Buy to Let

Right to Buy

Self Employed

Help to Buy

Specialist

Reviews Stars4.99 Rating83 Reviews

Mortgage Broker in Lincoln | Mortgage Advice in Lincoln

Welcome to Lincolnmoneyman.com, our online home for open & honest, expert mortgage advice in Lincoln. In using the collective experience of our trusted and hard working mortgage advisors in Lincoln, we are excited to work towards helping you achieve your mortgage goals.

 

It’s our combined team goal to ensure that the process of buying a property, as well as remortgaging one, remains as stress-free and simplified as it can be. Our dedicated team will be here to help you through every step of your mortgage experience, from your first point of contact, up until your process completes, whether that be with getting the keys to your new home, or moving onto a better deal.

 

You are welcome to take a read of our genuine customer reviews that we have collected over the years. We are incredibly proud of the service levels that our team provide, aiming to always provide that same high standard of service to new and existing customers alike, when they get in touch with us.

 

We will do everything we can to help you achieve your mortgage goals by providing you, our customer, with a high level of mortgage advice in Lincoln and surrounding areas.

 

How can we help you obtain a mortgage in Lincoln?

As a long-standing and reputable mortgage broker in Lincoln, we have such a large amount of collective experience within our brilliant team. In having this on our side, we are able to provide all of our customers with top tier mortgage advice in Lincoln for a wide variety of different mortgage situations, including yours.

 

Quite often we will see our customers coming back to us time and time again for their remortgage, as we have the ability to search thousands of remortgage deals, finding the most suitable one and at the cheapest we can find it, so that you don’t lapse onto your mortgage lenders standard variable rate. That being said, we always have your best interests at heart, and if something else is more suited for you, we will tell you.

 

Customer satisfaction is something that motivates each and every member of our mortgage advice team to push further and further for those who get in touch, going above and beyond for both first time home buyers, home movers, landlords and those looking to remortgage a family home.

 

Mortgage Advice in Lincoln– We’re Open & Honest

As an fast & friendly mortgage broker in Lincoln that helps frequently with a variety of specialist mortgage cases, we have a large panel of mortgage lenders who have all kinds of specialist mortgage products that could be available to you and your current circumstances.

 

Bearing all of this in mind, your allocated mortgage advisor in Lincoln will do everything they can to tailor their product search to match your individual needs, finding the best possible mortgage deal that is available to you at that time.

 

A hard working and determined member of our mortgage advice team will be readily available to take your enquiry, from early until late, all throughout the working week, as well as weekends and most bank holidays.

 

We always like to make sure our customers are updated regularly on their current position in the mortgage process, meaning they are properly looked after and getting closer to their mortgage dreams.

 

Friendly Mortgage Broker in Lincoln & Surrounding Areas

Throughout our experience as a mortgage broker in Lincoln, we’ve had the pleasure of speaking to hundreds, if not thousands of customers.

 

In a lot of cases when we speak to customers, we find that the bank has perhaps turned them away for all kinds of reasons, sometimes not even disclosing these reasons. This means you may not necessarily know what to fix, which can bring any progression with a mortgage process to a standstill.

 

Typical reasons that we hear of can be a lack of available appointments at the bank with their mortgage advisors in Lincoln, as well as the property value being much less than the applicant was asking for, to name but a few.

 

Contact Your Mortgage Broker in Lincoln

If you are in the market for mortgage advice in Lincoln, then get in touch today. As a trusted mortgage broker in Lincoln, we are always here and ready to help our customers reach their mortgage goals. No matter if you are purchasing a new home in Lincoln, investing in properties, remortgaging an existing property, or just generally need mortgage advice in Lincoln, we will be more than happy to help you.

 

Our experienced and reputable mortgage advisors in Lincoln are on hand every day of the week, subject to availability. From time to time, we may even offer same-day mortgage appointments to customers! Get in touch today and begin your mortgage journey with Lincolnmoneyman.

Speak to a Mortgage Advisor in Lincoln

As our customer, you will always benefit from having a dedicated and trusted mortgage advisor in Lincoln, who will aim to do right by you, listening to any and all concerns you have, answering any questions that may crop up during your mortgage advice process.

 

In having an expert mortgage broker in Lincoln by your side throughout your entire mortgage process and beyond, you can worry less knowing that you will be kept up to date on everything going on with your mortgage. Your designated mortgage advisor in Lincoln or a member of our mortgage administrators will be in touch if there are any changes to be made or if we need anything further from you in order to continue with your application.

 

It’s definitely a fantastic idea to get prepared ahead of your mortgage or remortgage process by getting in touch with an experienced mortgage broker in Lincoln. Our team of trusted mortgage advisors in Lincoln will be able to help you out with things such as any budget plans, as well as arranging your mortgage agreement in principle, which can normally be obtained within 24 hours of your initial mortgage appointment.

 

Having this document on hand will allow you to be backed up during any offers you make on a property, as it demonstrates to a seller that you are ready to go and have a mortgage lender who is willing to lend to you ahead of a potential purchase. This puts you leagues ahead of someone who perhaps doesn’t have this document, and is looking at making an offer on that same property.

 

Trusted & Reliable Mortgage Advice in Lincoln

If you would like to have a look at what your monthly repayments may possibly be, you may find our mortgage calculator to be useful. That being said, our calculator is only a general guide, so is not a guarantee. Even still, it can be a great tool for anyone who is interested in seeing what their monthly payments could be.

 

Our experienced, hard working and dedicated team of mortgage advisors in Lincoln and mortgage administrators, we are here 7 days a week, in order to help you with any mortgage questions you may have, as well as to provide you with any necessary mortgage advice in Lincoln that you may need.

 

How our Mortgage Advice process work in Lincoln

As a fast & friendly mortgage broker in Lincoln, it is our job to find you the most suitable mortgage or remortgage deal that is available to your particular mortgage situation. The first step to take, before anything else, is to get yourself booked in for a free mortgage appointment with an open & honest mortgage advisor in Lincoln.

 

During the course of your free mortgage appointment, your dedicated mortgage advisor in Lincoln will gather a selection of information from you, regarding your current financial situation. From that point, we will then move on to searching thousands of deals across a variety of mortgage lenders, to find the most appropriate mortgage deal for you.

 

We feel confident enough to say that we will find the best deal for what it is you are looking to achieve, as well as take on all the hard work of your process, allowing you to remain stress-free as you move ever closer to that end goal of owning your new home or remortgaging your existing one.

 

Our amazing team here at Lincolnmoneyman have an incredibly in-depth knowledge of mortgage lending criteria, and we will be more than happy to remain on hand, to help you through every single step of your mortgage journey in Lincoln.

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:

Mortgage Lenders 001
Mortgage Lenders 002
Mortgage Lenders 003
Mortgage Lenders 004
Mortgage Lenders 005
Mortgage Lenders 006

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 Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk

The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
Should you have cause to complain and you are not satisfied with our response to your complaint, you may be able to refer it
to the Financial Ombudsman Service, which can be contacted as follows

The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
www.financial-ombudsman.org.uk

© 2022 Lincolnmoneyman

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

Moneyman Logo







Moneyman Logo




Moneyman Logo

Ask Your Question





    Moneyman Logo

    Moneyman Logo







    Moneyman Logo

    Book your Free Consultation

    7 Days 8am - 10pm

    Moneyman Logo

    Moneyman Logo