Proud of our Reviews
SAM Conveyancing Reviews
calc.png

Use our
Mortgage Calculator

Our Mortgage Broker Guide to getting a mortgage in Lincoln

The mortgage application process has 4 stages regardless of which mortgage lender you use:

    1
    Approval/Decision in Principal (AIP/DIP)
    2
    Mortgage in Principal (MIP)
    3
    Mortgage Valuation
    4
    Mortgage Offer

Read about the full mortgage process here - What is the mortgage process?

Mortgage Broker Lincoln Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Never apply for credit when you're likely to be rejected

It comes as a huge shock to some when they find out that, to add insult to injury, a failed application for credit not only means that they won't receive the credit but also means their credit score will take a hit.

You owe it yourself to find out your credit worthiness in the eyes of all 3 reference agencies and then only apply for credit if your score is sufficiently high.

First time buyer mortgage

First time buyer mortgages are those which are constructed to appeal particularly to those buying homes for the first time. Some lenders provide incentives such as cashback – a cash lump sum when you've just moved in is perhaps more likely to be attractive to a first time buyer who might have less property etc. than a home mover who has much of the fixtures and fittings to put in place in their new home already bought over the years.

Fixed term mortgages are another example of a device which can be very marketable towards first time buyers. They take these out to have the security of knowing exactly how much they'll need each month to make their repayments. They have to remember to organise a new fixed term when the initial one expires to avoid going on a lender's standard variable rate, but the incentive of saving cash through organising this, perhaps by selecting a new mortgage provider, is arguably likely to appeal as well.


Lincoln is a pretty cathedral city and is the county town of Lincolnshire in the East Midlands region of England. It has many historical buildings from many eras and attracts many tourists. Landmarks include; The Collection, which contains the Usher Gallery, and which contains more than 2 million objects of archaelogical interest; Lincoln Cathedral and Lincoln Castle.

LN2 3PH

Property Price Stats for Lincoln


Average property price in Lincoln £158,938
% Change compared to last year 5%
Population of Lincoln 94,600 (2012)


The property price data is sourced from the Land Registry's UK House Price Index and you can view up to date property prices by clicking - Land Registry House Price Index >> Land-Registry

Mortgage Broker Lincoln - Recently Completed

  • Beck Lane, Lincoln LN2 3PH
  • 84 Burton Rd, Lincoln LN1 3LJ
  • 24 Woodfield Ave, Lincoln LN6 0LP
  • 78 Bailgate, Lincoln LN1 3AE
  • 20 Hykeham Rd, Lincoln, Lincolnshire County LN6 8AB

Local High Street Banks in Lincoln

Mortgage Broker in and around Lincoln

Our Lincoln mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Burton, Cherry Willingham, Washingborough, Waddington, Whisby, Skellingthorpe and Nettleham.

Which banks are local to you?


  • Barclays - City Office Park, Tritton Rd, Lincoln LN6 7AR
  • Lloyds - 202 High St, Lincoln LN5 7AP
  • Natwest - 225 High St, Lincoln LN2 1AZ

Book a Free Mortgage Broker Consultation
Access to the whole of the mortgage market
Appointments available today
Best first time buyer mortgage brokers
Find a Home Mortgage

Whole Market Access

Our mortgage broker has access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

Best Mortgage Advisors

FREE mortgage consultations for Lincoln

Mortgage Brokers Lincoln offering free first consultation (terms apply).

Access Mortgage Providers Quickly

Fast mortgage appointments

With no need for face to face meetings you'll be called on the same day by one of our mortgage specialist brokers to discuss your circumstances and can support complex applications for Help to Buy, Right to Buy and Shared Ownership mortgages

Independent Mortgage Broker

Impartial Mortgage Advice

You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

Lincoln Mortgage Broker Insider Tips

Make sure you are in constant communication with your solicitor.

If your situation changes or something unforeseen arises, inform your solicitor as soon as possible. This should avoid unnecessary and time-consuming work being carried out which later needs to be rectified. 

It also ensures all legal documents are accurate and you are receiving service which is specifically tailored to your needs and circumstances for your home move in Lincoln.

Click to get your FREE Fixed Fee Conveyancing Solicitors Quote* *Fixed Fee – No Sale No Fee – On all Major Lender Panels
Conveyancing Process
FREE Online Conveyancing Process for Buyers

Includes online checklists, videos, downloads and tips - plus it is completely free to use from start to finish and saves your progress along the way.