Speak to an Advisor 7 days, 8am - 10pm
Speak to an Advisor 7 days, 8am - 10pm
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.
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.
4 months ago
Ross
Excellent service from Malcolm and the team, they helped us secure a mortgage deal on our dream home.
6 months ago
Mr Graham
Thank you to Lincoln Moneyman. They were very helpful and gave excellent advice at every part of the process.
7 months ago
Stuart
Made transferring my mortgage to a new deal so easy
9 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...
10 months ago
William
Great service! Always making remortgage easy while walking me though all of my options in detail.
10 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!
10 months ago
Tristan
They have taken on all I could not and more. Very thankful
11 months ago
Samantha
Excellent service, always available when required and made the process hassle free.
1 year 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...
2 years 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
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.
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 2009–2026
Contact
Follow Us
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
Speak to an Advisor
7 Days a Week, 8am – 10pm
We value your privacy
This website uses cookies. If you continue to use the site, we will assume that you agree with our use of cookies.
