Are you more likely to get a mortgage if you're umbrella, LTD or PAYE?

[northernladuk]

No, what specialist am I supposed to talk to? I haven't as far as I am aware been in IR35 for the past year and didn't have my contract checked with anyone.

The fact that you can't see the flaw in your current situation, or aware it is contract by contract you don't seem to be that aware if you don't mind me saying.

[MPwannadecentincome]

As far as I know from my experience, if you want to get a mortgage as an employee PAYE you have to have passed your probation period. If there is no probation period then that is day 1.

If you have a contract in hand then I have been told by contractor mortgage specialist brokers that is sufficient to get a mortgate through the specialist broker only, but if you have trading history and accounts then you might be able to get direct.

HTH

[Power Mortgages Ltd]

As far as I know from my experience, if you want to get a mortgage as an employee PAYE you have to have passed your probation period. If there is no probation period then that is day 1.

There are still some lenders (a growing amount) who will lend even if you are in a probationary period. Normally they need 1 payslip so you'd have to be working there around a month, but there are one or two lenders who would lend if you have an employment contract confirming your permy salary effectively meaning you can apply the day you start the job.