As we settle into 2025, many of us are keen to turn over a new leaf and start fresh. For some, that means finally taking the plunge into the property market—whether it’s purchasing a first home, remortgaging an existing property, or overcoming hurdles like adverse credit or self-employment challenges. At Mortgages in Lincoln, our mission is simple: to help you navigate the mortgage process with confidence and ease.
Meet Our Team on the High Street
Situated in the heart of Lincoln, Mortgages in Lincoln was founded by Colin Baxter and is staffed by two experienced mortgage advisers, Colin himself and Michaela. Together, they’ve helped countless clients secure the mortgages they need, no matter their individual circumstances. Whether you’re a first-time buyer brimming with excitement (and nerves!), or you’re looking to restructure your finances, our friendly team on the high street is ready to guide you every step of the way.
Who We Help
- First-Time Buyers
Getting onto the property ladder can feel daunting, especially if you’re unsure where to begin. We’ll break down the entire process, from checking your affordability and explaining deposit options, to negotiating with lenders on your behalf. - Remortgaging
If you’re already a homeowner, you might be looking to remortgage. This could help secure a better interest rate, consolidate debts, or free up funds for home improvements. We work closely with you to explore competitive mortgage deals tailored to your circumstances. Think carefully before securing other debts against your home – by consolidating your debts into a mortgage; you may be required to pay more over the entire term than you would with your existing debt, which could increase the amount of interest payable overall. - Adverse Credit
A few blips on your credit file shouldn’t stand in the way of your dream home. Our advisers are well-versed in seeking out specialist lenders that may be more flexible when it comes to past credit issues. Don’t assume you’re out of options—speak to us first. - CIS and Self-Employed
Being self-employed or working under the Construction Industry Scheme (CIS) sometimes means mortgage applications are trickier. However, with our local knowledge and network of specialist lenders, we strive to find a solution that fits your unique situation.
Why Choose Mortgages in Lincoln?
- Local Expertise: We’re based in Lincoln and truly understand the local market. This means we can provide insights and advice that speak directly to your area and property goals.
- Personalised Service: Every client has different needs, budgets, and plans for the future. We tailor our approach to you, ensuring you get the support and guidance best suited to your life stage and financial position.
- Friendly, Down-to-Earth Approach: Mortgages can be stressful and confusing. Our aim is to explain everything in a clear, straightforward manner so you can make informed decisions without feeling overwhelmed.
Let’s Make Your 2025 Property Plans a Reality
If you’re ready to take the next step, there’s no better time to get started. Let our dedicated team show you the possibilities available and empower you to make 2025 the year you secure your dream home.
Get in Touch
Call us on 01522 561699 or send an email to admin@mortgagesinlincoln.co.uk to arrange a free, no-obligation consultation. At Mortgages in Lincoln, we’re excited to help you shape your property future right here in our wonderful city.