Mortgage Broker Lincoln
Our mortgage brokers are independent of any lender and offer a full spectrum of straight talking, expert financial advice. Perfectly positioned to help you with your mortgage requirements.
for Lincoln
Remote Appointments
Advisors 2022
Why choose Mortgage Brokers with SAM Conveyancing?
Whether you are making a purchase or remortgaging a property, using an impartial mortgage advisor saves you from being pressured by any specific lender, so you can choose the best deal available from the whole market.
We can offer you a free* initial consultation with our independent mortgage brokers at Advies. They search across the whole market to provide the best mortgage rates that match your needs and circumstances, with access to exclusive rates that can beat the high street lenders.
We are delighted to announce that Advies have been recognised by the Financial Times as being one of the FT Adviser UK Top 100 Financial Advisers 2022.
Our mortgage advisors attain the strictest Financial Conduct Authority standards, to ensure honest, competitive and fair services, to you.
Changed from 4% on the
17th December 2025
.Location | 10% Deposit | What would your salary need to be? (estimated based on 4.5 times salary) |
Waddington | £19,890 | £39,780 or £19,890 per salary with a joint purchase |
Navenby | £21,892 | £43,785 or £21,892 per salary with a joint purchase |
The rate of your mortgage will affect your affordability assessment. Use our calculator to see how the current rate will affect your monthly payments.
Our Mortgage Broker Guide to getting a mortgage in Lincoln
The mortgage application process has 4 stages regardless of which mortgage lender you use:
- 1Approval/Decision in Principal (AIP/DIP)
- 2Mortgage in Principal (MIP)
- 3Mortgage Valuation
- 4Mortgage Offer
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 to yourself to find out your creditworthiness 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.
If your home purchase in Lincoln is being financed with the help of family and friends, making sure your solicitor has all of the information in good time can speed up the conveyancing process.
Your solicitor will need proof of funds, ID and relevant documentation where there is a loan or a gift. Without these documents, you may not be able to exchange until your solicitor has them in his hands.
Even then, a mortgage lender may be unwilling to lend where there is an unregistered interest, i.e. the financial interest of this third party, over the property.
As things can get so complicated, it is important to get things sorted out from the outset so your solicitor can get working on it as soon as possible.
Get your FREE Fixed Fee Conveyancing Solicitors Quote
Fixed Fee – No Sale No Fee – On all Major Lender Panels
Frequently Asked Questions: Mortgage Brokers Lincoln
The benefit of using a mortgage broker is having one expert doing the research and comparison for you, rather than dealing with multiple lenders who all want to sell you their own products. Our independent Lincoln mortgage brokers have access to better deals than the general public and can negotiate on your behalf.
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
Watch our video to find out how to organise your mortgage and funding for your purchase.
