Helping a contractor secure a concessionary purchase mortgage with large debts
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How we helped an I.T. contractor get a foreign currency mortgage with two part-time contracts
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Only one years accounts? Variable income? Working through an umbrella company? Whatever the circumstances, we're here to find you a fantastic mortgage deal.
As an independent, whole-of-market broker, we can help you remortgage affordably if you're self-employed. Discover the latest fixed, discount and tracker rates.
Get expert advice on a range of affordable policies including life insurance, buildings and contents insurance, income protection and critical illness cover. Some policies can be paid for by your business.
"Brilliant from start to finish. Graham managed to find a main high street lender who offered a brilliant rate. Would highly recommend."
With access to a huge range of mainstream and specialist lenders, we'll quickly source the most suitable self-employed mortgage for your circumstances.
If you need a company director mortgage, income can be assessed using your salary and either your dividends or company net profit figures.
Salary and pre-tax net profit is also possible, depending on circumstances.
And we have great mortgage deals for sole traders and limited liability partners, based on net profit.
Finally, we have access to contractor mortgage lenders who'll use up to 52 weeks' income for affordability. We can even help if you're paid in a foreign currency.
Book An Adviser Call"Brilliant from start to finish. Graham managed to find a main high street lender who offered a brilliant rate. Would highly recommend."
We charge a £100 Initial Assessment Fee, payable upfront, which covers our time and work involved in assessing your documentation and carrying out lender research.
We'll then advise you if your case is proceedable. If it isn't, we'll inform you of the exact reasons why so we can get you a mortgage once rectified.
Unlike some competitors, we don't charge a broker fee until we get you a formal mortgage offer. No mortgage, no fee.
The broker fee will depend on the complexity of your case and the amount of work required to source your mortgage deal. In most cases, our standard broker fee will apply.
Once we've carried out the initial assessment, we'll inform you of the broker fee that applies to your case. There's no obligation to proceed at that point.
As your broker, no. However, we will need to see your credit report before we can source the most suitable deal and apply for a decision in principle (DIP).
The lender will carry out a hard credit search, either at the Decision in Principle stage, or when making the full mortgage application (FMA). The latter tends to be more common.
