Whole of Market - Lincoln - FCA Registered

Mortgage Advice
Made Simple

Whole-of-market mortgage and protection advice tailored to your needs. Based in Lincoln - we are with you every step of the way, from your first call right through to the day you get your keys.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Book Free Consultation Our Services
100%
Whole of Market
£0
Initial Consult
FCA
Registered

About Us

Whole of Market Advice. Real Expertise.

Your Mortgage Choice is a whole-of-market mortgage and protection broker based in Lincoln. We search every available lender to find the most cost-effective deal for your specific circumstances, and we stay with you all the way - from first conversation right through to the day you get your keys.

Whole of Market

Access to every lender, not a limited panel.

Personal Approach

Bespoke advice tailored to your situation.

Fast Process

From 1 day to a few weeks depending on complexity.

Continued Support

From first call to completion and beyond - we are here whenever you need us.

Lincoln Cathedral aerial view
Your Mortgage ChoiceLend & Protect - Lincoln
FCA
Registered

Meet Your Adviser

Your Trusted Mortgage and Protection Adviser

Jacek Musialik - Mortgage and Protection Adviser

Jacek Musialik

Expert Mortgage and Protection Adviser

Jacek Musialik holds a master degree in economics and has 8 years of specialist mortgage and protection advisory experience. His expertise was developed during his tenure as an adviser at Citizens Advice and Pension Wise, before dedicating himself fully to mortgage and protection advice. He has helped numerous first-time buyers and experienced investors successfully navigate the property market.

MA Economics 8 Years Mortgage Experience FCA Registered Whole of Market English and Polish

What We Do

Services Tailored to You

Whatever your situation, we have the expertise and whole-of-market access to find the right solution.

Your home may be repossessed if you do not keep up repayments on your mortgage.

First Time Buyers

Buying your first home? Clear, jargon-free guidance from start to finish.

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Remortgages

Coming to the end of your fixed deal? We search the whole market to find you a better rate.

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Buy To Let

Expanding your portfolio? We specialise in buy-to-let mortgages for new and experienced landlords.

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Protection Insurance

Life cover, critical illness and income protection - ensuring your home and family are always protected.

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Adverse Credit

Credit issues? We work with specialist lenders to find solutions for complex credit histories.

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Limited Company

Investing via a limited company? We specialise in SPV and trading company mortgages.

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Why Choose Us

Your Mortgage, Our Priority

Whole-of-market access, genuine expertise and a personal approach - delivering the best outcome for every client.

8+
Years Experience
100%
Whole of Market
1:1
Personal Service
24h
Response Time

How It Works

Your Journey to a New Mortgage

A clear four-step process designed around you.

01

Initial Consultation

A free, no-obligation discussion to understand your situation and goals.

02

Research and Recommendation

We search the whole market and present the best options for your circumstances.

03

Application

We handle all paperwork and liaise with the lender on your behalf.

04

Completion

Mortgage offer received and solicitors instructed. We liaise with all parties right through to completion - we are with you until the keys are in your hand.

Common Questions

Frequently Asked Questions

Answers to the questions we hear most often. Not answered here? Call or message us.

Initial consultations are always free. Our fees: Product transfer - £95 (payable on mortgage offer) · Remortgage - £195 (payable on mortgage offer) · Purchase - £95 on application and £300 on mortgage offer (£395 total) · Adverse credit - from £395. These fees reflect the full whole-of-market review and hands-on support we provide - we are with you through the entire process until you have the keys in your hand. We reserve the right to waive our fee at our absolute discretion, for example where we are unable to improve on the rate you would otherwise revert to.

Yes. We have access to mortgage products from the entire market - not a restricted panel of lenders. This means we can find the most suitable and cost-effective deal for your specific circumstances.

Yes. We work with specialist lenders who look beyond credit scores. Whether you have missed payments, defaults, CCJs or a previous bankruptcy, we will assess your situation honestly and find appropriate solutions.

Yes. Jacek provides full mortgage and protection advice in both English and Polish - making us an ideal choice for Polish-speaking clients in Lincoln and across England.

Yes. Your Mortgage Choice Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.

Depending on complexity, a mortgage offer can take from 1 day to a few weeks. We keep you updated at every stage throughout the process.

Client Reviews

What Our Clients Say

Google Reviews

We let our clients do the talking. All reviews are genuine and posted directly to our Google Business profile. Once we have accumulated reviews they will appear here.

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Your review helps other families in Lincoln find trusted mortgage advice. It takes under 60 seconds.

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Get In Touch

Ready to Talk?

Book your free, no-obligation consultation - in English or in Polish.

Meet In Person
Face-to-face meetings across Lincoln, by appointment

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See how we use your data

Free initial consultation. A fee applies for arranging a mortgage - see FAQ for full details.