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Moving Home Mortgage Advice in Lincoln

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Taking the Stress Away From Moving Home in Lincoln

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.

 

Open & Honest Mortgage Advice in Lincoln

How can a Mortgage Advisor in Lincoln help take the stress out 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 who provide a wide range of products. We will search through 1000’s of mortgage products 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. We offer all of our new/existing customers a free mortgage consultation, and let us see how we can help start your home moving journey today.

 

How does it work?Get a quote nowMeet your advisor

We search 1000s of mortgage deals across a large number of lenders, including:

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Moving Home Mortgage Advice in Lincoln

Whether you are planning on relocating to Lincoln or looking to move somewhere around Lincolnshire, our experienced team of Mortgage Advisors in Lincoln have helped many customers like yourselves achieve their moving home goal.

 

Here are some popular moving home scenarios that our team frequently come across.

How much can I borrow and what will be the costs?

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.

Can you help me get an agreement in principle?

After your free mortgage consultation is over, your dedicated 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.

My offer on a new home got accepted; what is the next step?

It is now back to your mortgage advisor 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.

Are you having some difficulties with the bank?

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 like ourselves to find you a suitable lender whose criteria you meet.

 

We work with a large panel of lenders, each offer 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.

 

Above are just some of the most popular reasons our customers contact us for Mortgage Advice in Lincoln and there is rarely a situation that they haven’t come across, so don’t worry if you do not fall into any of these categories. Still, contact us as our team will be more than happy to assist you to achieve your moving home goals.

Are you looking to Move Home in Lincoln? Here’s how we can help

Our team of experienced Mortgage Advisors in Lincoln will work by your side through the entire moving home mortgage process until you get the keys to your new home.

 

The team here at Lincolnmoneyman have experienced in helping customers take that next step on the property ladder, and rarely, they often find a scenario that they haven’t had some level of dealing with before.

 

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.

 

If you are pleased with our recommendation, we will then take the next step in your application and help you obtain your mortgage agreement in principle. An (AIP) can help back up any offers you would like to make on a property in Lincoln.

 

When you reach the point of finding a new home that you like in Lincoln and have had your offer accepted, our team will process your mortgage application, guiding you through to the end of the completion.

 

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. We can assist with the various surveys you have access to and helping you obtain conveyancing solicitor quotes.

 

Following your mortgage consultation, your designated mortgage advisor will also recommend any insurances deemed appropriate, as these will help you cover your mortgage in any unforeseen circumstances.

 

Being a Mortgage Broker in Lincoln, we have your sole interest at heart and have no ties to any estate agent, bank, or builders. Please don’t hesitate to get in touch. Let us see how our service can help start your home moving journey today.

What our customers say

Common mortgage
questions

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.

The minimum deposit that a high street lender will require for a property purchase in Lincoln is typically 5%. This can be higher if you have had any credit problems in the past.

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 an hour or so. 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.

We make it so easy!
Our 4 step process

Step 1

A telephone call where we can take some initial details and find out about your plan of action.

Step 2

Enjoy finding a property!

Step 3

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Step 4

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.

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.

Handy quick links

Lincolnmoneyman.com & Lincolnmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.

© 2021 Lincolnmoneyman

Lincolnmoneyman, Commerce House, Outer Circle Road, Lincoln, LN2 4HY.

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