It's Free to Speak to an Advisor, 7 days, 8am - 10pm
It's Free to Speak to an Advisor, 7 days, 8am - 10pm
Moving home is frequently cited as one of life’s most stressful experiences, but it shouldn’t have to be. With the help of a mortgage broker in Lincoln by your side, let us deal with the mortgage aspects to take the stress away, leaving you to focus more time on the move itself.
What makes moving home stressful is balancing both a purchase and sale to complete simultaneously, along with the sheer amount of paperwork and completions with your conveyancing solicitor. You will need to have secured your onward purchase and find a buyer for your existing property within a timeframe.
How can a mortgage advisor in Lincoln help relieve the stress of moving home? Simple, our experienced team can help ensure that your buying process runs as smoothly as possible. We are here to support you throughout the whole journey and are open 7 days a week to answer any questions you may have.
We work with a large panel of lenders providing a wide product range. We will search through this panel which holds 1000s of mortgage products and then approach a lender whose criteria best match your circumstances to find the most appropriate mortgage deal for you.
If you are looking to move home in Lincoln, please don’t hesitate to get in touch with our team. We offer all of our new/existing customers a free mortgage appointment and let us see how we can help start your home moving journey today.
In certain instances, transferring your mortgage to a new property in Lincoln may be viable, contingent upon your mortgage lender’s policies. To see whether this option is available to you, get in touch with our team, and we’ll assist you in obtaining the necessary information.
Ultimately, our goal is to ensure a seamless and stress-free home-moving experience for you. If porting your mortgage isn’t a viable choice, we’re here to offer expert mortgage advice in Lincoln, guiding you towards the ideal mortgage for your new home. Don’t hesitate to contact us today and embark on your Lincoln home-moving mortgage journey.
If you decide to move after buying a house, you have a few options. One common choice is to sell your current property. The proceeds from the sale can then be used to pay off your existing mortgage, and any remaining funds can contribute to the purchase of your new home.
You may also be faced with an early repayment charge (ERC) due to paying off your fixed mortgage product too early. Your mortgage advisor in Lincoln will go through these costs with you.
Yes, you have the flexibility to settle your entire mortgage at any point, provided you clear any applicable early repayment charges (ERCs).
During your introductory, fixed, or discount period, many lenders permit annual overpayments of up to 10% of your mortgage balance.
For those on a standard variable rate, there’s typically no restriction on the amount you can overpay.
While there are similarities, the moving home mortgage process differs from that of a first-time buyer.
When moving, you may have an existing mortgage to sort out, and options like porting or selling your current home come into play. As you can guess, the process can become complicated and sometimes stressful. That’s why it is advisable to consult with a mortgage advisor in Lincoln to navigate the moving home mortgage journey.
We have made it simple and easy to book your free home movers review. You can either book online or give us a call and we can arrange a date and time with you.
During your free home movers review, we will take a look at your current mortgage and the price of the property you’re looking to buy to assess your mortgage affordability. In some cases, you may also be able to port your mortgage in Lincoln, making the mortgage process a little more complex. This is an example of why it is important to speak with a mortgage advisor in Lincoln.
If you can’t port your current mortgage, we will explore your mortgage options and see what sort of deals are accessible to you on your new property.
Our Customers Love Us
4.99 Rating107 Reviews
Samantha
Excellent service, always available when required and made the process hassle free.
2 days 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 month 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...
9 months 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...
9 months 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...
11 months 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...
11 months 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...
1 year ago
Anonymous
Jason and Megan were absolutely brilliant! Both helping me through the entire process.
1 year 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,...
1 year 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...
1 year 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
1 year ago
Alexander
Dinah has always been available and communicated any changes or good advice we needed. We really appreciate your support
1 year ago
Emma
Quick, efficient, informative service
1 year ago
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...
1 year ago
Tori
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...
1 year ago
Matthew
Very quick and helpful service.
1 year ago
Andrew
Very helpful and efficient
1 year ago
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.
1 year ago
Gordon
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...
1 year ago
Jordan
‘Great service as usual’
1 year ago
The first step is to book a free mortgage appointment online or by giving us a call. This mortgage appointment will last roughly 30-minutes with a moving home mortgage advisor in Lincoln.
During the appointment, you will be asked a series of questions regarding your personal and financial situation. This is to get an idea of your situation in order to find the most suitable mortgage for your circumstances.
After your free mortgage appointment, your mortgage advisor in Lincoln will try and find the most appropriate mortgage product tailored to your circumstances.
We will search 1000s of mortgages through our panel of high street and specialist lenders, tyring to find a product that saves you time and money.
Once we have found you the perfect mortgage product and you are happy to continue with us and the deal, we can begin preparing your mortgage application.
Form this point in the process, you will be handed over to a case manager, who will help you prepare your whole mortgage application, making sure that it is the best that it can be. Once we are both ready, we can send it off to the mortgage lender!
All that is left to do is to await back from the mortgage lender. As soon as we hear back from the mortgage lender, your dedicated case manager will be in touch to let you know that it is time to get your keys!
Our services go beyond getting you the perfect mortgage. We also look at insurance products with you to protect you and your family in the future. You are not under obligation to take out any of these products.
All new/existing customers are entitled to take advantage of a free home movers review, with no obligation to proceed.
As part of your home movers review, we will look at your goals and ensure that you can proceed as you had initially planned. Our team will look at your monthly payments and the maximum you may borrow.
Once some initial details have been taken from you and we have an idea of what you are looking to achieve, your mortgage advisor in Lincoln will search through 1000s of mortgage deals to find the best one for your circumstances. We can access both high street and specialist products via our huge panel of lenders. Our job is try and save you money whilst finding the most appropriate product for you.
The team here at Lincolnmoneyman have had years of experience helping customers take that next step on the property ladder. They rarely find a scenario that they haven't had some level of dealing with before. Customers are the heart of this company - It's about more than just finding the best mortgage. We always aim go to above and beyond!
Our team of expert mortgage advisors in Lincoln are available 7 days a week to provide flexibility to our service. You can book your free mortgage appointment at a time that best suits you. If you want to speak to us on a weekend or a bank holiday, no worries!
At the start of the process, many customers ask for a rough estimate of how much they can borrow, the interest rates, and their monthly repayments.
How much you can borrow depends on various factors, including your income, credit history, and existing financial commitments. Your borrowing capacity is subject to assessment by the mortgage lender, who considers these elements to determine a suitable loan amount.
If you want a quick answer to how much you can borrow and your potential monthly repayments for a mortgage in Lincoln, use our free mortgage calculators. Alternatively, our mortgage advisors in Lincoln can provide you with an accurate figure during your free mortgage appointment.
After your free mortgage appointment is over, your mortgage advisor in Lincoln will then be able to search through 1000s of products to find the most appropriate deal for your circumstances.
If you have no problems with the recommendation that we make, we will then look at getting your mortgage agreed in principle. With your mortgage agreement in principle (AIP) now obtained, you will be ready and able to back up any offers you would like to make on your ongoing property purchase.
We can typically get an agreement in principle arranged within 24 hours!
It is now back to your mortgage advisor in Lincoln to resume your mortgage application if your offer has been accepted. We can also help with the types of property surveys and advise a conveyancing solicitor that’s best suited for your circumstances.
There are various reasons as to why your bank or building society may decline your mortgage application. Maybe you didn’t have a good credit score, or they will not lend you enough. Regardless of why your application is declined, it is still worth speaking to a mortgage broker in Lincoln like ourselves to find you a suitable lender whose criteria you meet.
We work with a large panel of lenders, each offering specialist products tailored to clients who may have had bad credit in the past. That said, this will come down to your circumstances and your credit file. Our mortgage advisors in Lincoln will do their best to find you the most suitable lender.
Getting mortgage advice in Lincoln in a situation like this is extremely important. We strongly advise that you do not keep applying to different banks and building societies, because the more that you are declined, the more harm you are doing to your credit.
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Lincolnmoneyman.com & 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 www.register.fca.org.uk
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Lincolnmoneyman.com & 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 www.register.fca.org.uk
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