It's Free to Speak to an Advisor, 7 days, 8am - 10pm
It's Free to Speak to an Advisor, 7 days, 8am - 10pm
& Surrounding Areas
It's free to speak with a mortgage advisor 7 days a week, 8am - 10pm
01522 581399Speak to an Advisor - It's Free!& Surrounding Areas
It's free to speak with a mortgage advisor 7 days a week, 8am - 10pm
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As your dedicated mortgage advisor in Horncastle, our primary goal is to offer steadfast support and guidance throughout your entire mortgage journey. From the initial stages to the conclusion, we are committed to standing by you, ensuring a smooth and stress-free experience.
Our dedication goes beyond simply finding the right mortgage product for you and your property. We go the extra mile by helping you in preparing your mortgage application and identifying insurance products that best suit you and your family. Regardless of your needs, we are here to help you every step of the way.
With a wealth of experience spanning over two decades in the mortgage sector, we take pride in our successful track record of helping a diverse range of applicants secure excellent and competitive mortgage products. Consider us your reliable and trusted mortgage advisor in Horncastle.
Securing your free mortgage consultation with a dedicated mortgage advisor in Horncastle has never been more convenient. Our modern ‘Book Online’ system empowers you to effortlessly choose a date and time for your appointment. Alternatively, a brief phone call is all it takes, and our team member will help you in scheduling a convenient appointment over the phone.
During your free mortgage consultation, engage in a personalised discussion with a knowledgeable mortgage advisor in Horncastle. Feel free to ask any questions regarding your unique mortgage situation. Your advisor will also gather essential information about your personal and financial circumstances through relevant questions, ensuring a comprehensive understanding of your goals.
Equipped with this gathered information, your mortgage advisor will thoroughly explore the market to find the perfect mortgage product tailored specifically to your needs. Following the appointment, our team will meticulously review thousands of mortgage products from our panel of lenders, ensuring we identify the one that aligns best with you and your property.
No matter how unconventional or complex your situation may seem, do not hesitate to reach out to us. We have likely encountered similar challenges in the past and are always prepared for a new opportunity. Thriving on creative problem-solving, we are here to offer our assistance.
Commencing the exciting journey of acquiring your first home is a unique and unfamiliar experience, particularly when delving into the mortgage aspect.
When ready to embark on this adventure as a first time buyer in Horncastle, the pivotal initial step is to assess how much you can borrow and evaluate your overall affordability. This crucial service is provided during your complimentary mortgage appointment with us, your trusted mortgage broker in Horncastle.
A significant part of this process involves preparing your mortgage application and ensuring it accurately reflects your affordability, supported by all the requisite documents.
Your mortgage broker in Horncastle will expertly guide you through this vital step, aiding in completing and fine-tuning your application to meet the standards set by lenders. This guarantees your application is in optimal condition and aligns seamlessly with what lenders are seeking.
The process of moving home in Horncastle involves more than just vacating your current residence; it encompasses selling your existing property and addressing its mortgage before anything else. Recognising that moving can be an immensely stressful experience, we’re here to alleviate that stress during this busy time.
Should you encounter challenges in transferring your existing mortgage or find the associated costs burdensome, exploring a suitable mortgage solution for your new property becomes paramount.
Our expertise enables us to sift through thousands of mortgage options, identifying a competitive product tailored to your new home. Our panel encompasses a diverse range of lenders, both from the high street and specialists, empowering us to find the perfect fit on your behalf.
Whether you’re considering a mortgage for a buy to let, holiday let, let to buy, or HMO property, our team of mortgage advisors in Horncastle is ready to help you.
With over two decades of experience, we’ve been aiding buy to let landlords in Lincoln and its neighbouring areas, making us well-versed and knowledgeable in the buy to let sector.
To connect with a knowledgeable buy to let mortgage advisor in Horncastle, such as ourselves, scheduling a free mortgage appointment online is a breeze. Choose a date and time that suits your convenience, or alternatively, reach out to us via phone seven days a week if that’s your preferred mode of communication.
Approaching the end of your current fixed mortgage term prompts consideration of the remortgaging process. Remortgaging involves transitioning to a new mortgage product to replace your existing one, and it’s advisable to start exploring new options at least six months before your current deal expires.
Failing to remortgage before your current fixed term ends may lead to a shift onto your lender’s standard variable rate, potentially resulting in higher monthly repayments.
We’re here to simplify this process by meticulously searching the entire remortgage market to identify the most suitable product for your needs. Our dedicated remortgage advisor in Horncastle will assess thousands of offers to determine the best fit for you.
Did you know there are additional remortgage options available to you? These include using remortgaging to finance home improvements, release equity, or consolidate debt.
If you’re interested in exploring these possibilities or if remortgaging aligns with your goals, feel free to reach out or book a free remortgage review online.
If you’re self employed in Horncastle, the mortgage process follows a similar path to other scenarios, with one crucial distinction – the method in which you evidence your income.
Our dedicated mortgage advisor in Horncastle will help you navigate the specific documents required. Like other mortgage types, they will conduct a comprehensive affordability assessment and diligently search for deals tailored to your unique situation.
Interested in discussing your later-life mortgage options? Booking your free mortgage appointment online is all it takes. Our in-house later-life team is committed to helping you with your mortgage needs, providing expert guidance tailored to your unique situation.
Our Customers Love Us
4.99 Rating107 Reviews
Samantha
Excellent service, always available when required and made the process hassle free.
2 days 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
1 month 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...
9 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...
9 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...
11 months 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...
11 months 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
Your journey begins with a simple step – reach out to us and secure your complimentary mortgage appointment with one of our dedicated mortgage advisors in Horncastle. As an attentive mortgage broker, we operate seven days a week to ensure accessibility at your convenience.
During this personalised appointment, you’ll engage with an expert well-versed in your unique mortgage situation. Expect inquiries about your personal and financial status to enable your mortgage advisor in Horncastle to identify the ideal mortgage product for your circumstances. Once the perfect match is found, we’ll present it to you in the form of a comprehensive mortgage illustration.
Should you choose to proceed with us and the proposed deal, we seamlessly transition to the next stage – preparing your mortgage application! At this point, you’ll be assigned your dedicated case manager, who will help you in gathering all necessary documents to support your application. They’ll handle the intricacies of the mortgage process, and when you’re ready, we’ll submit your application.
With your mortgage application submitted, all that remains is to await a response from your chosen mortgage lender. As soon as we receive the positive news, we’ll promptly inform you, marking the exciting moment to collect the keys to your new property!
Operating seven days a week, as a responsive mortgage broker in Lincoln, we have garnered commendable reviews that reflect the exceptional experiences we offer our customers. Each review serves as a testament to how our service has proven beneficial in finding the perfect mortgage product for individuals. Explore our reviews page to gain insights into the ways we have helped our valued customers.
Throughout any mortgage journey, our approachable mortgage advisors in Lincoln tap into a vast panel of lenders, offering access to thousands of mortgage products. Whether from high street institutions or specialist lenders, we conduct a thorough search to identify the product that aligns most suitably with your unique personal and financial circumstances.
Delivering transparent and candid mortgage advice in Lincoln, our comprehensive mortgage guides on the website offer a valuable resource. Should you wish to pose a question to one of our mortgage advisors in Lincoln, our straightforward “Get Started” process provides a seamless way to reach out and seek guidance.
In the face of a complex situation, we strongly recommend connecting with a mortgage broker in Lincoln. Our track record includes successfully helping applicants through intricate and challenging scenarios, sometimes where securing a mortgage seemed impossible. We encourage all applicants to reach out; you never know – we may have overcome the same issue in the past!
As you advance through your mortgage journey, the need for supporting documents will emerge to strengthen your mortgage application. These documents may include identification, bank statements, and payslips. Rest assured, your devoted mortgage broker in Horncastle will be by your side, guiding you through this process to ensure you’re not navigating it alone.
Your free mortgage consultation, a concise yet impactful 30-minute session, allows our diligent mortgage advisor in Horncastle to delve deeper into your personal and financial landscape. Following the consultation, our aim is to provide you with an Agreement in Principle within 24 hours, enhancing your flexibility to make offers on properties of interest. The final step involves submitting your mortgage application and patiently awaiting a formal mortgage offer, typically taking around three weeks.
For self-employed applicants, presenting at least one year’s worth of accounts is a crucial step in securing your mortgage. Lenders often calculate the maximum mortgage amount by considering the combined sum of salary and dividends, or they may base their decision on your net profit.
While past credit challenges may present obstacles, obtaining a mortgage is not entirely out of reach. Additional steps may be necessary, such as a larger deposit, typically around 10-15%. The specifics vary by lender. If you’re facing credit issues, reach out to us. Our diverse panel of specialist mortgage lenders may hold the key to the best available mortgage deal for your unique financial situation.
The standard deposit for a mortgage in Horncastle typically stands at 5% of the property price. However, for individuals with lower credit scores, deposit requirements may rise to 10-15%.
Considering a second mortgage is indeed plausible for various reasons, such as debt consolidation, home improvements, or entering the buy to let market. Connect with our mortgage team in Horncastle to explore the possibilities.
The lifespan of an Agreement in Principle typically spans 30-90 days, subject to the lender. If it expires, a seamless renewal process awaits. Reach out to our efficient and friendly mortgage broker in Horncastle, or your lender to facilitate the renewal.
Securing an Agreement in Principle before house viewings in Horncastle can enhance your chances of offer acceptance. This document signals your granted permission to borrow, potentially placing you ahead of other buyers without their own Agreement in Principle.
Begin your journey by completing our Fact Find, providing an overview of your situation. Your dedicated mortgage advisor in Horncastle will then schedule a free consultation, delving deeper into your needs. A subsequent credit check will facilitate obtaining an Agreement in Principle. With supporting documents, you can progress to the final stage – submitting your mortgage application.
In your free mortgage consultation, your dedicated mortgage advisor in Horncastle will gather initial information about your personal and financial circumstances. This sets the stage for a tailored approach in searching for competitive mortgage deals that closely align with your needs.
Read our 107 Reviews
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
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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: 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
Speak to an Advisor – It’s Free!
7 Days a Week, 8am – 10pm
