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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.
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.
Our Customers Love Us
4.98 Rating116 Reviews
Gemma
Excellent support, proactive throughout and worked hard to get us the best possible deal. Would definitely recommend.
3 months ago
Ross
Excellent service from Malcolm and the team, they helped us secure a mortgage deal on our dream home.
4 months ago
Mr Graham
Thank you to Lincoln Moneyman. They were very helpful and gave excellent advice at every part of the process.
6 months ago
Stuart
Made transferring my mortgage to a new deal so easy
7 months ago
Kirsty
Really helpful as a first time buyer for advice and guidance. Jason helped me every step of the process and gave me a clear idea of what to expect. Jo was also very quick to get my final mortgage approval sorted, so I can only recommend Lincoln...
8 months ago
William
Great service! Always making remortgage easy while walking me though all of my options in detail.
9 months ago
Alwyn
The service was excellent. Everything was explained clearly and all efforts made to find me the best deal. Friendly and great communication throughout. Thank-you for the help!
9 months ago
Tristan
They have taken on all I could not and more. Very thankful
9 months ago
Samantha
Excellent service, always available when required and made the process hassle free.
11 months 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 year 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...
1 year 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...
1 year 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.
2 years 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,...
2 years 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 years 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 years ago
Alexander
Dinah has always been available and communicated any changes or good advice we needed. We really appreciate your support
2 years 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 most suitable 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 initial mortgage appointment at a time that works for you, including evenings.
Read our 116 Reviews
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.
© Lincolnmoneyman 2025.
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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.
© Lincolnmoneyman 2025.
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