Self Employed/Ltd Company Mortgages
If you have recently gone self-employed, switched from self employed to a Ltd Company, had a difficult year or seen the best business growth you have options available.
Many people are led to believe that if any of the above statements apply to them then they will not be able to get a mortgage which simply isn’t true.
Depending on the lender depends on how they view your income, some will take your salary and dividend other will take your salary and retained profit and over different timeframes.
Contractor Mortgages
Whether you are on a fixed term contract, day rate contract or part of the construction industry scheme (CIS contractor) obtaining a mortgage can be slightly more difficult but that’s what we specialise in.
We can look at the whole market to work out what is the best options for you. Different lenders look at your income different, whether it is a day rate, hourly rate, agency or ad hoc we can find the best solutions.
Agency Work & Zero Hour Contracts
Are you on a zero-hour contract?
Or working with the NHS on bank? As work arrangements become more flexible some lenders are recognising this flexibility and will now use income earned this way.
As these contracts vary, give us a call and book in a free consultation to find out what options you have.
We offer a free no obligation consultation and will help to get you in the best possible financial shape before applying for a mortgage. Contact us.
