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A lifetime mortgage is a way for homeowners aged 55 and over to access equity tied up in their property without needing to sell or move.
This loan is secured against your home and is usually repaid when the property is sold, either after you pass away or move into long-term care.
Lifetime mortgage advice in Lincoln is a popular choice for those looking to enhance their retirement, support family members, or fund significant expenses.
Importantly, you retain full ownership of your home, allowing you to enjoy financial flexibility without giving up your property.
There are several types of lifetime mortgages available to suit different needs. Lump sum lifetime mortgages provide a one-off payment, ideal for large expenses like home renovations or debt consolidation.
Alternatively, drawdown lifetime mortgages allow you to release funds as needed, helping you manage interest costs.
Interest-only lifetime mortgages offer the option to make monthly interest payments, reducing the overall balance.
By working with a mortgage advisor in Lincoln, you can explore these products and choose the one that aligns with your financial goals.
Choosing a lifetime mortgage is a big decision that depends on your individual needs and plans for the future.
It’s a suitable option for homeowners who want to access funds for retirement or support loved ones without selling their property.
It’s important to consider how this decision might impact inheritance or long-term finances.
A mortgage broker in Lincoln can guide you through the process, helping you assess your options and decide if a lifetime mortgage fits your needs.
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 £995.
You should always think carefully before securing a loan against your property.
A lifetime mortgage will reduce the value of your estate and may affect your entitlement to means tested benefits.
Clearing existing mortgage with a lifetime mortgage may result in higher cost of borrowing.
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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
Kickstart your journey with a Free Initial Mortgage Appointment in Lincoln, where you can speak with an experienced mortgage advisor.
During this no-obligation session, we’ll take the time to understand your financial circumstances, goals, and needs.
Whether you’re interested in a lump sum payment, flexible drawdowns, or managing repayments with an interest-only plan, we’ll guide you through the possibilities.
By comparing products from across the market, your mortgage broker in Lincoln ensures you understand the pros and cons of each solution.
Taking out a lifetime mortgage is a significant decision, and it’s important to involve those close to you in the process.
Sharing details with family members or trusted advisors ensures transparency and helps everyone understand how this choice may affect inheritance or future plans.
Based on your goals and financial circumstances, your mortgage advisor in Lincoln will provide a tailored lifetime mortgage recommendation.
This ensures the product you choose aligns with your needs, whether that’s supplementing retirement income, funding home improvements, or planning for future care costs.
Take advantage of our Free Initial Mortgage Appointment in Lincoln to discuss your needs with an experienced advisor.
During this no-obligation session, we’ll review your circumstances and goals to provide clear, tailored guidance.
Whether you’re exploring Lifetime Mortgages in Lincoln or considering other options, our team is here to help you make an informed decision.
As a mortgage broker in Lincoln, we have access to thousands of products from a wide range of lenders.
This allows us to find the most suitable deal for your needs, whether you’re looking to release equity or plan for your future.
Our extensive market access ensures you’re not limited in choice, giving you confidence that you’ve secured the right product.
Our service is built on providing personalised, straightforward advice.
From your first appointment to completion, our team of mortgage advisors in Lincoln will guide you through every step of the process.
We pride ourselves on offering clear, jargon-free information to help you make decisions with confidence and ease.
We’re available 7 days a week because we know life doesn’t always fit into a 9-to-5 schedule.
Whether it’s booking a Free Initial Mortgage Appointment in Lincoln or answering a question along the way, our team is here when you need us most.
With flexible hours, we make the process as convenient and stress-free as possible.
Our Home Buying App is a digital mortgage coach designed to help you save up, plan, and track your home buying journey – whether you’re buying your first home, or fancy a move.
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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 2009–2026
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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 2009–2026
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