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The Mortgage Guarantee Scheme in Lincoln is a government-backed initiative for lenders, designed to help homebuyers secure a mortgage with a smaller deposit.
It’s particularly aimed at those with a 5-9% deposit, offering lenders the confidence to provide mortgages that might otherwise be deemed higher risk.
This scheme makes homeownership more accessible for first time buyers and movers alike.
The Mortgage Guarantee Scheme in Lincoln works by providing lenders with a government guarantee on a portion of the mortgage loan.
This reduces the risk for the lender, allowing them to offer 95% loan-to-value (LTV) mortgages.
As a buyer, you’ll need to provide a 5-9% deposit, making it easier to get on the property ladder with less upfront savings.
To qualify for the Mortgage Guarantee Scheme in Lincoln, you’ll need to meet the following criteria:
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
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
Start your journey with a free initial appointment to discuss your eligibility for the Mortgage Guarantee Scheme in Lincoln.
Our mortgage advisors in Lincoln will guide you through the process step-by-step.
We’ll compare thousands of mortgage deals, including those under the scheme, ensuring you find the most suitable option for your needs and financial goals.
Once you’ve chosen the right deal, we’ll handle the entire application process, liaising with the lender and keeping everything on track for you.
When your mortgage is approved, we’ll coordinate with all parties to ensure a smooth completion, helping you secure your new home in Lincoln hassle-free.
We offer a free initial consultation to discuss your eligibility for the Mortgage Guarantee Scheme in Lincoln, giving you expert advice without any obligation.
As a mortgage broker in Lincoln, we’re able to access thousands of mortgage deals, ensuring you get the most suitable options available under the scheme and beyond.
We pride ourselves on providing personalised, professional, and friendly support, guiding you through the entire mortgage process with clarity and care.
Our team is here when you need us most, offering flexible appointments every day of the week, including evenings, to fit your schedule.
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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Read our 117 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
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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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