Buy to Let Mortgage Advice Lincoln - We search 1000’s of deals

Buy to Let Mortgage Advice in Lincoln

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Whether you are a first time landlord or an experienced property investor with an extensive portfolio of properties, our team of expert Mortgage Advisors in Lincoln can help you through the entire process.


We have helped many landlords obtain a buy to let mortgages in the past. One of the many perks of using a Mortgage Broker in Lincoln is our large panel of the lenders we can search through 1000’s of buy to let products allowing us to find you the most appropriate mortgage for what you are looking to achieve with your investment purchases.


If you looking to purchase your buy to let property through a limited company (Special Purpose Vehicle), utilising their experience in the area, our mortgage advice team will talk to you about the options available for you and your circumstances.


As well as standard residential buy to let mortgages in Lincoln, we also have the knowledge and experience to assist with HMOs (House of Multiple Occupancy) and holiday lets, if you require it.


If your enquiry is about discussing and comparing taxation benefits, you will need to consult with an expert tax advisor, not a Mortgage Advisor in Lincoln.


How does it work?Get a quote nowMeet your advisor

The Financial Conduct Authority does not regulate some types of buy to let or commercial mortgages.

We search 1000s of mortgage deals across a large number of lenders, including:

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Popular Buy to Let Mortgage Scenarios in Lincoln

As an open and honest Mortgage Broker in Lincoln, we have come across many different buy to let mortgage scenarios in Lincoln and other areas in Lincolnshire.

Remortgage a Buy to Let in Lincoln

Existing landlords who have already built up a portfolio of buy to let properties consider investing in further opportunities. There are options for the landlord to remortgage one of the properties to release equity, which can cover the deposit for another buy to let property, which we can help with depending on circumstances.

Limited Company Mortgages / Special Purpose Vehicles (SPVs)

If you’re looking to grow your buy to let portfolio through a Limited Company or Special Purpose Vehicle (SPV), this is a specialist topic that not all lenders will accept. However, speaking to a specialist Mortgage Advisor in Lincoln, we may be able to find you a suitable lender.

HMO Mortgages in Lincoln

HMO mortgages are taken out on properties occupied usually by five or more people. They are particularly popular amongst landlords who own student accommodation.

These buy to let products can be challenging to find because not every lender will offer HMO deals. If you are considering applying for an HMO mortgage for a buy to let property, we recommend speaking to a specialist Mortgage Advisor in Lincoln.

Buy to Let Mortgages in Lincoln

These scenarios don’t mean our team haven’t come across yours. For example, are you a first time buyer, first time landlord looking to invest in buy to let or have a complicated mortgage situation that requires help from an expert Mortgage Advisor in Lincoln? Please feel free to get in touch to speak with one of our Specialist Mortgage Advisors in Lincoln today.

Open & Honest Buy to Let Mortgage Broker in Lincoln 

We always strive to ensure our customers receive help and support throughout the entire process.


We will be available seven days a week and here when you need us at a time that best suits you. We understand that buy to let mortgages can be a challenge for some. With the help of a Mortgage Broker in Lincoln, we can help you over any hurdles that arise during your journey.


Our team of knowledgeable Mortgage Advisors in Lincoln, here at Lincolnmoneyman, understands the criteria of buying to let mortgages and have helped many landlords find the best mortgage that will suit their situation.


We always make sure that we are up to date with the latest buy to let legislation and lending criteria, as this allows us to offer our customers recent, open and honest Mortgage Advice in Lincoln.


Your dedicated Mortgage Advisor in Lincoln will be by your side from the start of your process, right through until the end.


Please take a look at our genuine customer reviews and see the reasons why so many landlords choose Lincolnmoneuman when looking to take out a buy to let mortgage. 

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Common mortgage

The amount required can vary somewhere between 20%-40%, the standard minimum deposit for a buy to let mortgage is usually 25% of the value of the property.

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.

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 30 mins. 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.

We make it so easy!
Our 4 step process

Step 1

A telephone call where we can take some initial details and find out about your plan of action.

Step 2

Enjoy finding a property!

Step 3

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Step 4

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

A telephone call where we can take some initial details and find out about your plan of action.

Enjoy finding a property!

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

Handy quick links & 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

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

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

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