Mortgage

[Ruprect]

contractormoney sorted mine out. They were great, would recommend. Also they claim to be able to get you a mortgage just with a copy of your contract (I think) - no accounts needed. They claim to have organised a mortgage for a client who had been contracting for 2 weeks...

[glashIFA@Paramount]

Thats how I got the illustration for Northern Rock. I'll phone them again and see what they make of it.

Woolwich are pretty good too.

[jim2406]

hi,

i am new to contracting - i am in the 5th month of my first contract.

6 weeks in, i approached contractor financials and they have just arranged me a 145k mortgage, with no deposit, via northern rock. im on a weekly rate of around £1200, they were prepared to loan upwards of 200k.

all i needed to provide was:

6 months bank statements
pay slips from perm jobs for last 6 months
copy of current contract
anything else that may be useful (eg invoices etc)

no hassle, fantastic service. highly recommend it.

jim

[Sockpuppet]

pay slips from perm jobs for last 6 months

Wtf has that got to do with it?

"I see you were a lowly paid machine, now you've learned to think for yourself".

My last perm job was so badly piad it hurt...whats that going to prove. Grrrr.


Also, anyone had any luck negotiating these "arrangement fees". I'm thinking of having a go.

At the moment my style is "Cancel those fees or I'll **** off elsewhere...you're not the only people who can lend me money". Seems to be working.

[gadgetman]

My financial adviser got me a non-status mortgage with Northern Rock, no problem (no proof of income required)...

[Mustang]

Self cert is the way to go. Happy to pass on the name of my broker by IM! Try Birmingham Midshires for a start.

Good luck!

[monkeygeorge]

Halifax were my saviours, hadly any questions asked, but then I did have an account with them nearly all my life, I think this helped.

[el duder]

Anyone know banks etc that don't require the 1 year of account for contractors.

Alliance and Leicester. 3 months pay slips.

I got a 200k mortgage loan with them in about 1 week.

[Ivor1]

Halifax were my saviours, hadly any questions asked, but then I did have an account with them nearly all my life, I think this helped.

I went with Halifax agreed not many questions BUT rates are not great. Also at the end of the term of the morg if you dont move but just remorg you get a worse rate than if you moved house.

[ratewhore]

6 weeks in, i approached contractor financials and they have just arranged me a 145k mortgage, with no deposit, via northern rock.

Do you live oop north by any chance?