Income*

Is there more than one applicant?

Yes No

The total amount you can borrow can vary widely from Lender to Lender and the above is purely an indication of the maximum amount available based on your income for illustrative purposes only. The actual amount you can borrow will take other things into account such as credit commitments and the above should only be considered a guide figure.

You could borrow up to...

£0

Most lenders will require a 5% deposit

Viewing properties? We can arrange your agreement in principle within 24-hours!

A mortgage valued at £0 with a 4.5% interest rate over 25 years would cost you £0 per month, which is 0% of your pre-tax income.

Popular FAQs

Is the borrow calculator accurate?

The “How Much Can I Borrow?” calculator provides a helpful estimate based on your input of financial details, such as income and outgoings.

While it uses standard mortgage lending principles, the actual amount you can borrow will depend on more detailed affordability assessments conducted by lenders, including credit checks and individual circumstances.

Therefore, the calculator should be viewed as a guide, and speaking directly to a mortgage advisor will give you a more tailored figure.

How long does the mortgage application process take?

The mortgage application process can vary depending on your situation and chosen lender.

Typically, from submitting your application to receiving an offer, it can take anywhere from two to six weeks.

This timeline includes securing a decision in principle, undergoing credit checks, and the lender reviewing your financial details and documentation.

Can I get a mortgage with bad credit?

Getting a mortgage with bad credit can be more challenging, but it’s not impossible.

Some lenders offer specialist products for those with adverse credit histories, such as missed payments or County Court Judgements (CCJs).

Keep in mind that you may need a larger deposit, and interest rates could be higher than for applicants with a clean credit record.

What documents do I need to apply for a mortgage?

To apply for a mortgage, you’ll typically need to provide proof of income (such as payslips or tax returns for the self employed), bank statements, and proof of identity and address.

Lenders may also ask for details about any existing loans or debts, as well as your monthly expenses to assess your affordability.

Should I use a mortgage broker?

Yes, working with a mortgage broker can simplify the home-buying process and help you find the most suitable mortgage deal.

As a broker, we have access to a wide panel of lenders, including specialist options that might not be available directly to you.

We guide you through every step, from finding the most suitable rates to managing your application, ensuring you get the right mortgage for your unique circumstances.

Whether you’re a first time buyer, self employed, or have a more complex financial history, we’re here to help secure the most suitable outcome for you.

Our Customers Love Us

37 5 Star Reviews

Sharon Collins

Great service and support - got us just what we needed thanks

6 Jul 2026

Angela Baufeldt

We used UK money man for the purchase of our new home in Lincoln. Chris Wardill was our advisor and he was excellent all the way through the process. It was quite a stressful purchase from our side but Chris was used to the various hurdles and we felt he went the extra mile to get us the best deal for our circumstances. Overall we would certainly recommend Chris and UK money man to any other clients.

1 May 2026

michelle winters

Really great service and advice given. From my first phone call with Matt and the rest of the team my mortgage offer was made and complete within 2 weeks, excellent and would certainly recommend.

20 Aug 2025

Laura McGregor

Malcom made the process of applying for my first mortgage really quick and stress free. The team were able to break down any unknown vocab in a patient and kind manner and made sure that I understood every part of the process. Such good service!

29 Apr 2025

alan thomas

Excellent professional and helpful advice Fuss free service. We would highly recommend Connor for your mortgage!!

31 Jul 2023

Rhiannon Bourke

Made remortgaging really quick and easy. Found me a good deal and helped fulfil my requests.

31 May 2023

P Swick

Very helpful, friendly and professional!! Would 100% recommend for anyone looking for a mortgage!

20 Feb 2023

Sadie Brothwell

We chose Lincoln money man because a friend had recommended them. We had an opportunity to buy our house but without the typical, perfect first time buyers profile, we knew we would struggle obtaining a mortgage. I am working part time, my husband is self employed, we have 5 children and my credit history is far from pristine. Both Chris and Meghan were very honest with our options, helped us take the steps needed to improve our credit rating, worked tirelessly to get us the mortgage that we needed and always kept us updated with regular phone calls and emails. They really did make our dream of owning our own house a reality when they secured us a mortgage offer, which has now resulted in completion. We will no longer have to pay rent , we are paying towards our future, our children’s future. We will always be grateful and look forward to future contact when we are due to remortgage. Thankyou!

17 Oct 2022

Elli McNally

Really happy with the service we received from our mortgage advisor Tom. As first time buyers we had lots of questions about the process which Tom was always happy to answer. Our mortgage application was submitted and accepted really quickly with the support of Tom and our friendly case manager Jo. They also supported us with finding a conveyancer which took a lot of stress off us. We’d really recommend Lincoln Moneyman’s services as they made us feel much more at ease with the process.

14 Sep 2022

Cláudia Silva

Amazing Team, answer all my doubts, always at the end of the phone and made sure to updated me of any information or changes needed. Save me the hassle of paperwork or hunt deals for mortgage and definitely will recommend them to any future buyers.

23 Mar 2022

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Do You Need a Deposit to Remortgage in Lincoln?

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We Search 1000s of Mortgages

Important information

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.

Lincolnmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.

UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.

How Much Can I Borrow?