As a company that provides Open & Honest Mortgage Advice in Lincoln, we work solely for the customer, with no ties to banks, estate agents or builders. We have your best interests at heart!
Being a trusted Mortgage Broker in Lincoln, we’re incredibly proud of the level of Mortgage Advice in Lincoln that we provide. From your initial enquiry through to completion, your Mortgage Advisor in Lincoln will be with you every step of the way.
Our genuine customer reviews are further proof of the service level we offer all customers.
We offer all of our customers a free mortgage consultation with a Mortgage Advisor in Lincoln. As a Mortgage Broker in Lincoln, you have the option of choosing your appointment type, be that face-to-face or over the telephone. Out of hours, appointments are fully available too, as we have advisors working from early until late every day.
Going to the bank for Mortgage Advice in Lincoln means you’ll only be offered their own product, from their in-house Mortgage Advisor in Lincoln. We have hundreds of unique lenders on panel, with a wide variety of mortgage options to choose from. This means we’re able to tailor the service to your personal needs and find the most appropriate deal for you.
We’ve found with customers that get in touch with us have often spoken to the bank prior to our conversation. Were here of such obstacles as income types, credit scoring or simply they will not lend enough, which is where a Mortgage Broker in Lincoln could be beneficial to you. Our team will work with you throughout every step, ensuring you are provided with a high level of service and giving you a fair chance at your mortgage dreams.
If you would like to speak with a Mortgage Advisor in Lincoln, please get in touch. Speaking to a Mortgage Broker in Lincoln like us may be very beneficial to you.
To arrange your Free Initial Mortgage Consultation, please feel free to Contact us and we’ll book you in with a Mortgage Advisor in Lincoln to the time that best suits you.
Firstly, we’ll provide Mortgage Advice in Lincoln and support throughout the whole home-buying process and not just with your mortgage. We search the market on your behalf and tailor the service to your needs and individual situation. We’ll ensure that your Mortgage Advisor in Lincoln answers all of your questions. Unlike in-house Mortgage Brokers at establishments such as banks, we’re proud to have no vested interests with Estate Agents or Builders. This means our Mortgage Advisors in Lincoln work for solely you and no-one else.
But our Mortgage Advisors in Lincoln don’t just focus on offering Mortgage Advice in Lincoln to our clients, each and every one of our Mortgage Advisors in Lincoln are here to provide help and support you throughout the whole mortgage process from start to finish. This will mean your Mortgage Advisor in Lincoln will be there for you from the initial contact, anytime you need them. It’s our job as your Mortgage Broker in Lincoln to make you feel relaxed, be honest, find you the most suitable mortgage advice and mortgage deals right up until completion and beyond.
Often, buying a new property isn’t as straightforward as a person would initially think. If you are a First Time Buyer or haven’t moved in a while it can feel like you’re stuck in a maze and sometimes you delay starting the mortgage process so you don’t get started earlier – don’t worry. Your dedicated Mortgage Broker in Lincoln is here to help you on your way to obtaining your Mortgage for your new start in your new home!
As a Mortgage Broker in Lincoln, we make sure to stay loyal to our customers so that means straying away from estate agents, building societies or banks so that our Mortgage Advice in Lincoln revolves around our customers and their best interests. You’ll always have a Mortgage Advisor in Lincoln who aims to do right by you, having your best interests at the heart of our company and listening to any concerns or questions that you may have lingering on your mind so that you don’t feel stressed at any point in your mortgage journey.
Because we stay by your side throughout the process and beyond means that rest-assured you’ll be kept up to date and in the loop. Your assigned Mortgage Advisor in Lincoln will be in touch if anything changes or we need anything important from you to continue with your application.
It’s a great idea to get ahead of the process by speaking to a Mortgage Broker in Lincoln. By obtaining Mortgage Advice in Lincoln our Mortgage Advisors in Lincoln will be able to assist you with such things as budget ideas, and arranging your Mortgage Agreement in Principle which we can often offer on the day. This allows you to be ready to support any offers you make which will get you ahead of anyone else who may be thinking of applying for the same property.
If you would like to work out what your monthly repayments may be, you may appreciate our Mortgage Calculator. Although only a rough guide, it is a handy tool for anyone who would like an idea of what they could be paying back for their mortgage.
Boasting an experienced team at our Mortgage Broker in Lincoln led by experienced Mortgage Advisor in Lincoln, Malcolm Davidson, our mortgage team are here from 8 AM until 10 PM, 7 days a week to assist you with any of your mortgage questions and offer insightful Mortgage Advice in Lincoln.
Your free mortgage consultation in Lincoln will last around one hour. We will then recommend a mortgage for you with no obligation for you to proceed and you can decide whether or not you wish to proceed with the mortgage.
As your mortgage broker in Lincoln, we carry out a Fact Find to establish your personal needs before we recommend the most suitable mortgage for you. A credit check is then required for 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 avoid possible disappointment, we recommend 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 to assist your bargaining position.
An Agreement in Principle typically lasts for between 30 and 90 days depending on the Lender used. If your Agreement in Principle expires it can always be refreshed.
It may be possible to get a second mortgage on your home for things like debt consolidation or Home Improvements. It may also be 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 when purchasing a house in Lincoln with High Street Lenders is typically 5%. This can be higher if you have had previous credit problems.
If you have had credit problems you can still get a mortgage but you may possibly be required to put down a higher deposit than usual, perhaps 15% of the property purchase price.
Once you have submitted at least one year’s accounts, you are able to get a mortgage. Most Lenders use your salary plus dividend to calculate the maximum mortgage, whereas others are known to go off your net profit.
It’s usually three payslips 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 3 months’ bank statements.
Our free consultation typically lasts up to an hour or so. We can turn round an agreement in principle within 24 hours. A formal mortgage offer takes about three weeks on average.