How many mortgage brokers are in Lincoln?

6 FCA-regulated firms are listed for Lincoln. Common focus areas include Buy-to-Let, Commercial, Adverse Credit, Holiday Lets, Ltd Co.

Why use a mortgage broker in Lincoln instead of only my bank?

Whole-of-market brokers usually scan dozens of lenders, including specialists you cannot walk into on the high street. Local advisers in Lincoln often know which underwriters are comfortable with nearby property types and survey quirks. The HMO (house in multiple occupation) market is particularly active in Leeds and Sheffield due to large student populations. Specialist HMO mortgage brokers can access lenders that standard brokers often can't.

What does mortgage advice typically cost in Lincoln?

Many brokers 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 fees in writing before you proceed.

What should I check before choosing a broker in Lincoln?

Confirm FCA regulation on the register, match specialisations to your case (Buy-to-Let, Commercial, Adverse Credit), and read reviews. You want plain-English options, not a single “take it or leave it” product.

Can I get a mortgage in Lincoln with adverse credit?

Often yes. Lincoln has advisers who work with specialist lenders when high-street banks say no. Earlier advice usually means more routes stay open.

Mortgage Brokers in Lincoln, Yorkshire and The Humber

Q: What do typical property prices look like in Lincoln?

The average price in our data is £186,704 (up 4% year-on-year). Yorkshire and The Humber achieved strong 3.3% growth in 2025, with prices up nearly 29% over five years. Leeds, Sheffield, and York each have distinct markets — from student lets to period properties — creating diverse opportunities.

About Lincoln

Plain-English context for buyers and people remortgaging — what the market looks like, how advice works here, and what to do next.

Compact table of top mortgage brokers in Lincoln
#	Broker	Verified	Rating
1	Katie Brown - Aura Mortgage Advisers Grimsby	Unverified	5.0 (31)
2	McKinnon Mortgages Limited - Mortgage & Insurance Advisors	Unverified	5.0 (95)
3	Rachel Davidson at The Mortgage Store Grimsby	Unverified	5.0 (26)
4	Prestige Financial Solutions	Unverified	5.0 (106)
5	Mortgage Advisor Scunthorpe \| MortgagesRM	Unverified	5.0 (70)
6	Doncaster Mortgage Advisor \| MortgagesRM	Unverified	5.0 (327)

Local snapshot

Lincoln (Yorkshire and The Humber) lists 6 FCA-regulated mortgage brokers on Mortgage118. Typical sold prices here average £186,704 — up 4% year-on-year.

Yorkshire and The Humber achieved strong 3.3% growth in 2025, with prices up nearly 29% over five years. Leeds, Sheffield, and York each have distinct markets — from student lets to period properties — creating diverse opportunities.

What local advisers focus on

Together they cover Buy-to-Let, Commercial, Adverse Credit, Holiday Lets, Ltd Co, Self Build — useful whether you are buying for the first time, remortgaging, or building a buy-to-let portfolio.

Quick answers

How many mortgage brokers are in Lincoln?: 6 FCA-regulated firms are listed for Lincoln. Common focus areas include Buy-to-Let, Commercial, Adverse Credit, Holiday Lets, Ltd Co.
What do typical property prices look like in Lincoln?: The average price in our data is £186,704 (up 4% year-on-year). Yorkshire and The Humber achieved strong 3.3% growth in 2025, with prices up nearly 29% over five years. Leeds, Sheffield, and York each have distinct markets — from student lets to period properties — creating diverse opportunities.
Why use a mortgage broker in Lincoln instead of only my bank?: Whole-of-market brokers usually scan dozens of lenders, including specialists you cannot walk into on the high street. Local advisers in Lincoln often know which underwriters are comfortable with nearby property types and survey quirks. The HMO (house in multiple occupation) market is particularly active in Leeds and Sheffield due to large student populations. Specialist HMO mortgage brokers can access lenders that standard brokers often can't.
What does mortgage advice typically cost in Lincoln?: Many brokers 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 fees in writing before you proceed.
What should I check before choosing a broker in Lincoln?: Confirm FCA regulation on the register, match specialisations to your case (Buy-to-Let, Commercial, Adverse Credit), and read reviews. You want plain-English options, not a single “take it or leave it” product.

Prices and rates

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.

Choosing advice

You can compare 6 firms side by side.

Collective review score is 5.0/5 across 6 brokers with ratings — use it alongside specialisms and fee transparency.

Strongest demand on our list is for Buy-to-Let, Commercial, Adverse Credit, Holiday Lets. Commercial and development lending options appear on the roster — useful if you are outside vanilla residential.

Street-level detail

Sold prices cluster around £186,704, so lenders may see lower loan sizes and different stress-test outcomes than in London-weighted headlines.

On the ground, a good adviser spots survey quirks, lease issues, and lender overlays that postcode-level stats miss.

Most offer a no-obligation first call so you can sense-check strategy before paying anything.

From application to completion

Shortlist two or three firms from the list above that match your situation (Lincoln is already filtered for you).
Read profiles for fees, specialisms, and how they prefer to work (phone, video, face-to-face).
Book a first call — use it to test clarity and responsiveness, not just the rate quote.
Agreement in Principle (AIP) — when you are ready, your broker can run this so offers carry more weight with agents and vendors.

Find the Best Mortgage Brokers or Advisers in Lincoln

Directory snapshot — Lincoln

Need help choosing a broker?

Top 10 mortgage brokers in Lincoln

Katie Brown - Aura Mortgage Advisers Grimsby

McKinnon Mortgages Limited - Mortgage & Insurance Advisors

Rachel Davidson at The Mortgage Store Grimsby

Prestige Financial Solutions

Mortgage Advisor Scunthorpe | MortgagesRM

Doncaster Mortgage Advisor | MortgagesRM

More areas in Yorkshire and The Humber

Explore Postcode Districts Near Lincoln

Market data for Lincoln

Market data panel