Thanks to the Help to Buy Schemes, your odds of getting onto the property may have improved. As of now, there are more routes to choose from, depending on if you are eligible.
As a Mortgage Broker in Lincoln, our job is to inform you about the different eligible schemes for your circumstances. You may find that other Help to Buy Schemes are available for you out there.
However, you can’t just pick and choose a scheme that you like, as you won’t likely qualify for all of them. But, this is something that our Mortgage Advisor in Lincoln can check your eligibility before you rush into applying for anything.
Help to Buy in Lincoln applies properties up to a maximum value, this value is depending on your region in England. Our Mortgage Advisors in Lincoln will check your eligibility to whether or not you may qualify for this scheme.
As your expert Mortgage Broker in Lincoln, we can provide Help to Buy Mortgage Advice across all schemes. Find more information about Help to Buy Schemes available to you and the most common Help to Buy mortgage scenarios further down this page.
Our open and honest team will always recommend the best available option for your financial and individual circumstances, doing everything they can to ensure that you feel happy, stress-free, well informed and in safe hands through your entire Help to Buy mortgage journey.
Get in touch with a Mortgage Advisor in Lincoln and receive a free mortgage appointment today.
Before we begin finding you a suitable mortgage, we need to look at whether or not you qualify for any of the available schemes.
For more information on the different schemes available, get in touch to speak with one of our experienced Mortgage Advisors in Lincoln today.
As stated earlier, you must not own any other property when looking to purchase your new home in conjunction with a Help to Buy in Lincoln. Again, remember that subletting and part-exchange is something that is not allowed.
Find out more information about the Help to Buy Schemes available to you. Check out the Government OwnYourHome website.
As an open and honest Mortgage Broker in Lincoln, we provide expert Mortgage Advice in Lincoln. We have worked alongside customers throughout the entire mortgage process, right until they received the keys to their new property.
Contact us today to speak with a dedicated Mortgage Advisor in Lincoln. We have had countless enquiries from other customers who are looking to utilise the Help to Buy Scheme. From that initial first point of contact until the end of your mortgage process, having someone by your side is always reassuring.
If you have already found a new home that you are looking to purchase, and it falls within the criteria for taking out a mortgage under the Help to Buy scheme, we will be able to take a look through the paperwork with you and even speak with the home builder or estate agent on your behalf if required.
Not only will we be able to help you out with your mortgage, but if you require any help concerning surveyors or solicitors, we can also provide you with advice there and point you in the right direction, discussing what exactly you may need for that.
During your initial free mortgage appointment, your assigned Mortgage Advisor in Lincoln will take the time to go through all your documentation with you so that you have an idea of the amount you will be paying monthly for your mortgage deal.
Get in touch with us today and book yourself for a free mortgage appointment to speak to one of our experienced Mortgage Advisors in Lincoln, who will guide you throughout every step of your mortgage journey.
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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
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Quick, efficient, informative service
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...
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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...
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Very quick and helpful service.
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Very helpful and efficient
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.
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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...
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Daniel was so helpful, he gave us several options despite the worst time to change mortgages! We highly recommend them.
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Chris and Debbie provided an excellent customer service and their knowledge and expertise in the Specialist lending market was second to none. Both have an easy, friendly manner and they went more than the extra mile to ensure our dream home became...
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Myself and my fiance would absolutely recommend this company to anyone! Charlie and Lyndsey have been amazing from day one. Understand how nervous we were as first time buyers and have communicated with us every step of the way. We genuinely...
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Fantastic and professional all the way through helpful when needing questions answered and gave great advice will definitely use again and recommend to everyone
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Matt and Debbie were both great. Matt was my advisor and was extremely thorough and rapid, particularly given the challenging climate of rising interest rates. Debbie was my case manager, she was friendly and approachable and helped me with my many...
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This is the second time we have used money man mortgage brokers. We never have any issues with them, keep you up to date with all issues, assist in any way they can and have friendly staff who are always there if needed. We will definitely use...
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As first time buyers, my partner and I were completely clueless on what we needed to do however after talking to Tom, we have felt fully supported throughout the whole process and couldn’t be more grateful for his help with all our questions and...
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Excellent service from Charlie at Lincolnmoneyman, thorough and prompt in collecting all information to look at deals, and coming back with recommendations for remortgage. Great Communication, and supported by a great processing team, our...
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Both Kayleigh and Malcolm were extremely helpful. They made the mortgage application process stress free, kept us up to date throughout, and got us a better mortgage rate than we could have got ourselves.
You will need to have at least a 5% deposit.
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.
Give us a call and a Mortgage Advisor in Lincoln will recommend the best Help to Buy Scheme based on personal circumstances.
Enjoy finding your dream home in Lincoln
Make an offer on the property and once accepted, we will progress your mortgage application.
We will be here to answer all of your mortgage questions right through till you get 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.
