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Call us on 0121 4000 052 to speak to an advisor who can discuss your circumstances and tailor advice to your own requirements. Your advisor has access to the whole mortgage market as well as dedicated underwriters who will consider your case in person – not...
Entering the world of mortgages can feel daunting, particularly if it’s your first time purchasing a property. However, after you have gotten to grips with the jargon, the process is far less intimidating. The main goal is to ascertain which type of mortgage will best...
Many myths are floating around that suggest a contractor’s mortgage application won’t be accepted. It is true that historically it was more complicated, with lenders asking for years of accounting records to help them feel secure. However, today, a self-employed person is just as likely...
As a contractor there are various arguments for both owning and renting, and it is really down to you whether you decide that the time is right to look into a mortgage or want to keep renting for the foreseeable future. The basic fact is...
There are many different mortgage types available for anyone looking to buy a home. For contractors some of these types may be more difficult to get, but all are still available whatever your situation. You need to choose the right lender to get the best...
A Additional borrowing – Sometimes called a further advance, this is when you increase your total mortgage amount and borrow more money against your property. Advance – The money you are lent to purchase your home Affordability check – A check carried out by the lender to determine how much you...
The Government have been making changes over the past few years to make mortgages more affordable for those in more vulnerable positions. This includes those looking for contractor mortgages, who, after the end of Self Certification Mortgages were finding it difficult to find lenders who...
Proving your income when you’re self-employed and looking to get a mortgage can be a lot of hassle. It’s an unfortunate fact that there is no single way to do this in the sense that different lenders will ask for different methods to prove your income. There are many...
If you have any loans or credit cards, missing any payments will often result in the lender serving a notice on your credit file. Receiving a CCJ on your credit file will unfortunately show up on your credit rating for up to 6 years, making...
You have decided that it’s time to get on the property ladder, thought about the type of property you want, maybe even started looking through the offerings on estate agent’s websites. Throughout, the cost implications will be on your mind and you will no doubt feel...
