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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 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.
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.
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.
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.
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.
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.
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.
4.99 Rating101 Reviews
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...
Anonymous
Jason and Megan were absolutely brilliant! Both helping me through the entire process.
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,...
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...
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
Alexander
Dinah has always been available and communicated any changes or good advice we needed. We really appreciate your support
Emma
Quick, efficient, informative service
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...
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...
Matthew
Very quick and helpful service.
Andrew
Very helpful and efficient
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.
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...
Jordan
‘Great service as usual’
Justin
Daniel was so helpful, he gave us several options despite the worst time to change mortgages! We highly recommend them.
Gareth
Chris and Debbie provided an excellent customer service and their knowledge and expertise in the Specialist lending market was second to none. Both have an easy, friendly manner and they went more than the extra mile to ensure our dream home became...
Kirsty
Myself and my fiance would absolutely recommend this company to anyone! Charlie and Lyndsey have been amazing from day one. Understand how nervous we were as first time buyers and have communicated with us every step of the way. We genuinely...
Shona
Fantastic and professional all the way through helpful when needing questions answered and gave great advice will definitely use again and recommend to everyone
Francesca
Matt and Debbie were both great. Matt was my advisor and was extremely thorough and rapid, particularly given the challenging climate of rising interest rates. Debbie was my case manager, she was friendly and approachable and helped me with my many...
Rosie
This is the second time we have used money man mortgage brokers. We never have any issues with them, keep you up to date with all issues, assist in any way they can and have friendly staff who are always there if needed. We will definitely use...
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 30 mins. 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.
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.
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.
