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Specialist Mortgage Advice in Lincoln

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7 days a week, 8am - 10pm

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Specialist Mortgage Advice in Lincoln

Specialist mortgage advice in Lincoln tailored for your financial situation.

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We look at solutions for specialist mortgages in Lincoln for complex situations.

We get calls regularly from customers whom the bank has turned away very last minute. This becomes problematic when applicants are already several weeks into their process, only to be turned away suddenly. As experienced mortgage advisors, the banks should notice issues at the start of the process to prevent this from happening.

The mistakes caused by the bank’s mortgage advisor can leave the customer out of pocket, causing avoidable stress and frustration. If you are unsure of mortgage criteria before jumping into the process, it could be causing you more harm than good. Applying for the wrong mortgage could prevent you from getting a mortgage completely.

Our mortgage advisor in Lincoln have experience when dealing with complex situations. So, why not give us a call to see how we may be able to help.

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Specialist Mortgage Advice in Lincoln

Our service may benefit you when looking for specialist mortgage advice in Lincoln.

Sometimes getting a mortgage is a straightforward process as long as you have a good credit history, have the correct documentation and have evidence to prove you can afford your mortgage payments.

But for some homebuyers, something might crop up that requires the help of a specialist mortgage broker in Lincoln. Our team of Mortgage Advisors in Lincoln will take the time needed to understand what you are trying to achieve and try to find you the most suitable mortgage deal available for your circumstances.

We offer all customers a free mortgage appointment in Lincoln.

We work with a large pane of lenders that offer specialist deals that cater to various mortgage situations.

We aim to provide you with expert mortgage advice in Lincoln, to find you the most suitable mortgage deal for your current circumstances. We ensure to do everything we can to achieve this.

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FAQs for Specialist Mortgage Situations in Lincoln

What is bad credit for a mortgage in Lincoln?

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Bad credit for a mortgage in Lincoln refers to a situation where an individual has a less-than-ideal credit history, making it challenging to secure a mortgage from traditional lenders. This could include a history of missed payments, defaults, County Court Judgments (CCJs), or bankruptcies. Mortgage lenders in Lincoln typically assess an applicant’s creditworthiness to determine the risk associated with lending them money. Having bad credit may result in higher interest rates or difficulty in obtaining a mortgage.

Can I remove a CCJ from my credit file in Lincoln?

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Removing a County Court Judgment (CCJ) from your credit file is a complex process. Generally, a CCJ stays on your credit file for six years, even if you settle the debt in full. However, if you believe the CCJ was issued unfairly or there are errors, you can apply to have it set aside or marked as satisfied. It’s advisable to seek legal advice or consult with a credit repair specialist to explore your options for addressing a CCJ on your credit file.

Do you require a specialist mortgage advisor in Lincoln?

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While it’s not mandatory to use a specialist mortgage advisor in Lincoln, it can be highly beneficial, especially if you have specific financial situations, such as bad credit or unique income sources. A specialist mortgage advisor in Lincoln has expertise in dealing with various mortgage challenges and can provide tailored advice to help you navigate the complexities of the mortgage market. Whether you’re a first time buyer, self employed, or have a less-than-perfect credit history, a mortgage advisor in Lincoln can offer guidance and help you find mortgage options that suit your needs.

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Our Simple Mortgage Process

Free 30-Minute Mortgage Appointment

Step 1

During your free mortgage appointment, after giving our with a mortgage advisor in Lincoln, some information about your income and expenses, they can them determine your maximum affordability.

We Can Search 1000s of Mortgage Deals

Step 2

Although certain circumstances may limit your options, we will search through 1000 deals to find the best possible solution for you. Our next step is to obtain an agreement in principle, which can be used to support any purchase offers you make.

Submit Your Mortgage Application

Step 3

Once you accept a purchase offer, your mortgage advisor in Lincoln will proceed to submit your full mortgage application and relevant evidence documents.

Protecting You and Your Mortgage

Step 4

Our service goes beyond merely obtaining the best deal. We will also advise you on relevant insurance policies to safeguard you and your family financially.

Reasons to Choose us

Free Mortgage Appointment

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Get in touch with us and get yourself booked in for your free initial mortgage appointment with an experienced and amiable mortgage advisor in Lincoln today. When a mortgage applicant is going through a tough time with their mortgage and finds it challenging to get accepted by a lender, we will always be ready and willing to help them with open arms.

1000s of Deals

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As a Mortgage Broker in Lincoln, we have access to a large panel of specialist deals, each lender has its own unique mortgage lending criteria for customers, and we may be able to find you the most suitable deal. Our team of Mortgage Advisors in Lincoln can utilise their knowledge and expertise to recommend to our customers the most appropriate mortgage deal for their personal and financial situation.

Our Service

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You are our responsibility during your mortgage process, and we will always have your best interests at heart. Our mortgage advice team will always aim to give you open and honest Mortgage Advice in Lincoln and remain by your side through every step of your mortgage process.

7 Days a Week

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If you are worried about your credit score, you should look to obtain an up-to-date copy of your credit report. You will receive the benefits from this when it comes to your free initial mortgage appointment, where we can get a better picture of your situation and see if we can help you achieve your mortgage goals.

Malcolm and Amy Davidson - Mortgage Advice Lincoln

We Search 1000s of Specialist Mortgage Deals in Lincoln

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Specialist Mortgage Scenarios in Lincoln

Property Down Valuation

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If you had a property survey carried out on the property only to find out that the offer you put forward is above the property’s market value, this is a property down valuation.

Your lender will likely pull out of the deal. However, this can change if you can make up the difference between your offer and the properties actual value.

Divorce & Separation Mortgage Advice

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If you happen to be going through a divorce or separation, it can be not easy, especially if you have a joint mortgage together. You will need to sort this out sooner rather than later.

Remove a Person From a Mortgage

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This can tie in with divorce and separation if you look to remove your name or your ex-partner’s name from your mortgage. You will be limited with your options depending on financial stability and your affordability based on one of income.

Single Name Mortgages for Married Applicants

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If you’re married and getting a mortgage on a property that you and your partner will live in, some lenders will prefer both applicants to be named on the mortgage; but it’s possible to get a mortgage in one applicants name.

Shared Ownership

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Shared ownership is a type of mortgage that gives First Time Buyers in Lincoln the chance to buy a share in a new build property. Usually, you take out a mortgage for the share you own (usually between 25% and 75%) while paying rent on the rest to a housing association.

Professional Mortgages

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Professional mortgages are only accessible to particular lenders. As this is a niche section of the mortgage market, we would highly recommend speaking to a specialist Mortgage Advisor in Lincoln for more information on this topic.

Second Home Mortgages

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There are many reasons why someone will be looking to take out a second mortgage on another property, but you will need to prove that you are financially stable enough to cover the costs of two mortgage payments.

Holiday Home / Let Mortgages

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Holiday lets are similar to buy to let properties. However, you might not have a tenant in there all the time. So, you will need to prove to the lender that you can cover the monthly costs of your mortgage payments regardless of whether the property is occupied or not.

New Build Mortgages

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New builds prices can vary depending on the area. If you are struggling to save up for your initial deposit, if eligible, you may be able to utilise the government Help to Buy Equity Loan Scheme to help get you onto the property ladder.

Non-Standard Construction Property Mortgages

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Non-standard construction means any building not made of materials like brick and mortar. To take out a mortgage on something like this, you will need help from a Mortgage Advisor in Lincoln to find you a suitable specialist product. Make sure to get a full structural property survey if you are looking to buy a property that falls into this category.

Multiple Applicant / House of Multiple Occupation Mortgages

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HMO mortgages are taken out on properties occupied usually by five or more people. They are popular amongst landlords who own student accommodation.

We recommend speaking to a specialist Mortgage Advisor in Lincoln as these buy to let products can be challenging to find because not every lender will offer HMO deals.

Mortgages Past Retirement Date / Lifetime Mortgages

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You may have the opportunity to release the equity you have built up in your home and convert that into cash by taking out a lifetime mortgage. It’s better to speak to a specialist Mortgage Advisor in Lincoln on this topic before going ahead with the process.

Offset Mortgages

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Taking one out could be a good way of helping you access competitive interest rates and mortgage products as an Offset mortgage links up a savings account to your mortgage.

Mortgage Guides & 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.

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