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It's Free to Speak to an Advisor, 7 days, 8am - 10pm
When moving home, porting a mortgage in Lincoln lets you transfer your existing mortgage deal to the new property.
This avoids the costs and hassle of arranging a completely new loan.
Speaking to a mortgage broker in Lincoln will help you decide if this option is suitable for you.
Getting a mortgage with bad credit in Lincoln starts with understanding your financial situation.
Check your credit report, settle any outstanding debts where possible, and save for a deposit.
Working with a mortgage broker in Lincoln like us can help you identify lenders willing to consider your application and provide tailored advice to improve your chances of approval.
When applying for a bad credit mortgage in Lincoln, the deposit required is often higher than for standard mortgages.
Lenders typically ask for 10-15% of the property’s value, but this depends on the severity of your credit issues.
A larger deposit can also improve your chances of securing a better deal, making it worth saving as much as you can.
Yes, you can apply for a debt consolidation mortgage with bad credit in Lincoln.
This option allows you to consolidate multiple debts into one manageable payment, using your property’s equity.
While interest rates may be higher, specialist lenders offer solutions to help you streamline your finances and regain control of your budget.
Obtaining a mortgage with a County Court Judgement (CCJ) in Lincoln is possible, particularly if the CCJ is older or has been settled.
Specialist lenders consider these circumstances and evaluate your overall financial picture, rather than focusing solely on your credit history.
Seeking mortgage advice in Lincoln from an expert can be crucial in finding the right lender.
While missed or late payments can complicate your mortgage application, they don’t automatically disqualify you.
Many lenders assess the frequency and recency of missed payments, along with other factors like your income and deposit size.
A tailored approach can often help you secure a deal despite past payment issues.
Yes, having a default on your credit record doesn’t mean you can’t get a mortgage in Lincoln.
Specialist lenders are more understanding of financial setbacks and may be willing to consider your application, especially if the default occurred some time ago or has been resolved. A larger deposit can also improve your chances.
Mortgage lenders in Lincoln can accept a range of credit issues, including missed payments, defaults, CCJs and debt management plans.
The key is understanding the specific criteria of each lender, as some are more flexible than others.
Speaking with our mortgage advisors in Lincoln can help identify which lenders may be open to your application.
Bad credit can impact both your eligibility for a mortgage and the interest rates offered.
Lenders may view you as a higher-risk borrower, which could lead to fewer options and higher rates.
However, with the right advice and preparation, it’s still possible to find competitive deals tailored to your situation.
Yes, getting a buy to let mortgage with bad credit in Lincoln is achievable, though it may require a larger deposit and higher interest rates.
Specialist lenders can assess your application based on the property’s rental income and your overall financial profile, rather than solely focusing on your credit history.
Being self-employed with bad credit in Lincoln doesn’t rule out the possibility of getting a mortgage.
While proving your income and financial stability is crucial, many lenders offer flexible options for self-employed applicants, particularly with strong documentation and a sufficient deposit.
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Samantha
Excellent service, always available when required and made the process hassle free.
1 month ago
Thomas
All of the members of the team I spoke to including Jason and Stacey were fantastic. They answered all my questions and provide support where needed. I would definitely recommend
2 months ago
Anonymous
We reached out to just see where we stood in regards to our borrowing limit and we’ve come out the other end with a mortgage offer and we are going down the route of getting out own home! This never would have been possible without the help of...
10 months ago
Mr Jamie
Daniel was very friendly, knowledgeable and explained everything to us in enough detail without being overwhelming. He gave gentle reminders for things that we had forgotten to do and got us a very good deal for our remortgage. Would highly...
10 months ago
Anonymous
We had a great experience arranging a remortgage with Dinah and Paula. Our situation was a little complicated, but we received very practical advice and they assisted us right through the process. It was all very straightforward in the end. Thank...
1 year ago
Anonymous
Excellent service. Jason has been very helpful and encouraging every step of the way, especially considering our complex circumstances. Easy to set up video calls to discuss matters and email communication has been very quick, detailed and achieved...
1 year ago
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...
1 year ago
Anonymous
Jason and Megan were absolutely brilliant! Both helping me through the entire process.
1 year 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 year 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...
1 year 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
1 year ago
Alexander
Dinah has always been available and communicated any changes or good advice we needed. We really appreciate your support
1 year ago
Emma
Quick, efficient, informative service
1 year 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...
1 year 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...
1 year ago
Matthew
Very quick and helpful service.
1 year ago
Andrew
Very helpful and efficient
1 year 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.
1 year 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...
1 year ago
Jordan
‘Great service as usual’
1 year ago
Start with a no-obligation mortgage appointment to discuss your financial situation and goals.
Our team will provide personalised advice to help you take the first steps confidently.
We search through 1000s of deals to find the most suitable mortgage options tailored to your needs.
You’ll receive expert guidance on the best choices available to you.
Once you’re happy with the recommendation, we’ll handle your mortgage application from start to finish.
Our team will keep you updated throughout the process.
When your mortgage is approved, we’ll coordinate with the lender and solicitor to finalise everything.
You’ll be supported right up to the moment you get your keys.
Our initial mortgage consultation is free, offering you the chance to explore your options without commitment.
Let us help you take the first step towards securing your mortgage.
We search the market to access thousands of mortgage products, ensuring you receive the best deal for your individual needs and circumstances.
Our team is dedicated to providing clear, friendly, and professional advice at every stage of your journey.
Read our 5-star customer reviews to find how others have valued their experience with Lincolnmoneyman. Our team always goes above and beyond to help you achieve your financial and mortgage goals.
We’re here when you need us, offering support 7 days a week, 8am-10pm.
Book your free mortgage appointment at a time that works for you, including evenings.
If you have a County Court Judgement (CCJ) on your credit record, securing a mortgage in Lincoln is still possible.
Many lenders consider applicants with past CCJs, especially if they were registered over a year ago or have been satisfied.
A mortgage broker in Lincoln like us can help you navigate your options and match you with a lender who understands your circumstances.
Defaults on your credit file can feel like a barrier to homeownership, but there are lenders in Lincoln who specialise in helping applicants with these issues.
Whether the default is recent or occurred years ago, your chances improve with a larger deposit and by demonstrating financial stability moving forward.
Having a low credit score doesn’t mean you can’t find a mortgage in Lincoln.
Some lenders take a broader view of your financial profile, considering factors like your income and deposit.
By working with an mortgage broker in Lincoln like us, you can identify lenders who are willing to consider applications from those with lower credit scores.
If you are on a debt management plan, there are mortgage options in Lincoln tailored to your needs.
Lenders may ask for proof of a good repayment track record since entering the plan and may require a larger deposit.
Our mortgage advisors in Lincoln can help you secure a mortgage that supports your journey to financial recovery.
A debt consolidation remortgage in Lincoln allows you to combine your existing debts into one manageable payment by using your home’s equity.
While this may mean paying higher interest rates, it simplifies repayments and can help reduce financial stress.
Lenders assess your income, equity, and repayment history to determine eligibility.
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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: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
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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: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
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