**Lincoln** (East Midlands) lists **17 FCA-regulated** mortgage brokers on Mortgage118. Typical sold prices here average **£186,704** — **up 4%** year-on-year.

The East Midlands saw 2.4% growth in 2025, with prices up nearly 30% over five years. Cities like Nottingham and Leicester offer significantly better value than southern regions while maintaining strong rental yields for investors.

### What local advisers focus on

Together they cover **Residential, Buy-to-Let, First Time Buyers, Remortgages, Adverse Credit, Commercial** — useful whether you are buying for the first time, remortgaging, or building a buy-to-let portfolio.

**Q: How many brokers are listed here?**
A: **17** FCA-regulated firms are shown for **Lincoln**. Common focus areas include Residential, Buy-to-Let, First Time Buyers, Remortgages, Adverse Credit.

**Q: What do typical property prices look like?**
A: The average price in our data is **£186,704** (up **4%** year-on-year). The East Midlands saw 2.4% growth in 2025, with prices up nearly 30% over five years. Cities like Nottingham and Leicester offer significantly better value than southern regions while maintaining strong rental yields for investors.

**Q: Why use a broker instead of only my bank?**
A: Whole-of-market brokers usually scan **dozens of lenders**, including specialists you cannot walk into on the high street. They also know which underwriters are comfortable with local property types and survey quirks. Buy-to-let remains attractive here with yields often exceeding 5%. If you're investing, a broker experienced in portfolio lending can help structure finance across multiple properties more efficiently.

**Q: What does advice typically cost?**
A: Many offer a **free first conversation**. After that, some are paid by lender commission only; others charge a **£300–£500** (or similar) fee on application or completion — always confirm in writing before you proceed.

**Q: What should I check before I choose?**
A: Confirm **FCA regulation** (everyone here is), match **specialisations** to your case (Residential, Buy-to-Let, First Time Buyers), and read **reviews**. You want plain-English options, not a single “take it or leave it” product.

**Q: Is adverse credit possible?**
A: Often yes. **Lincoln** has advisers who work with **specialist lenders** when high-street banks say no. Earlier advice usually means more routes stay open.

Typical prices **£186,704**.

Annual movement about **4%** (rising).

### Mix of home types (averages)
- **Detached:** £308,196
- **Semi-detached:** £207,252
- **Terraced:** £160,937
- **Flats:** £108,174
- **First-time buyer purchases:** £167,763

### Borrowing costs in context

The Bank of England **Bank Rate** is one input to mortgage pricing; see the **Bank base rate** page on this site for the figure we publish. The deal you are offered still depends on **deposit**, **term**, **fixed vs variable**, and **affordability stress tests** — not any single headline rate.