Welcome to Lincoln Bank . What can I help you with , Sir ?   I'm not sure if I'm at the right counter , but I need some advice on mortgages , can you help me ?   Unfortunately , no , I can't . But our specialist can . Please take a seat and our Mortgage Adviser will come out to see you .   A specialist ? That's excellent , thanks .   No problem , Sir . He'll be with you in just a minute . Could I get you something to drink while you are waiting ? 