Contractor mortgage....any suggestions who to go with?

[ChimpMaster]

I've just been turned down by Nationwide as I've only been Ltd for a year
Doesn't make a difference that i've been contracting for 10 years! and never missed a payment!

Call Freelancer Financials. PM me if you'd like my direct contact.

[northernladuk]

Call Freelancer Financials. PM me if you'd like my direct contact.

No no. PM me, you will like my direct contact more!!!

[Power Mortgages Ltd]

Hi All,

Long time lurker, first time poster here.

My tenancy agreement was due to end last month, and after getting a few contractor mortgage emails in my inbox I decided to look into whether it was feasible for me to actually buy instead of signing another lease.

I have been contracting this time around since 2010 (I was perm for my first few years in the UK, but contracted for a few years in Oz prior to 2005), and I use an umbrella company.

I initially got in touch with Contractor Financials and Freelancer Financials in April. The former were laughable with regards to communication, failing to return calls and emails from day 1. In fact my last reply from CF arrived a full 13 days after my email and phone message to them with a very basic query.

I spent a fair amount of time filling our a 'Fact Find' form for Freelancer Financials - only for them to never bother replying.

Finally I got in touch with Power Mortgages and I am pleased to say my partner and I have just moved into our new home this week which we purchased via the Help to Buy scheme.

Ben Rogers is a true professional, and was extremely helpful and proactive throughout the entire process.

I never once had to chase him for anything - it was the other way around, which is the opposite of my other experiences. He was sending updates at all hours of the day and night and on weekends, and was contactable by mobile out of hours.

The whole process took 8 weeks from viewing to completion, and it would have been quicker if my partner didn't have to request some missing documentation for her part of the application (new drivers licence etc).

Very highly recommended.

And if anyone thinks this is spam feel free to PM me and I will send you a link to my LinkedIn profile.

Cheers,
John

Thanks John, glad I could assist.

Ben

[Mark McBurney@CMME]

I've just been turned down by Nationwide as I've only been Ltd for a year
Doesn't make a difference that i've been contracting for 10 years! and never missed a payment!

Why did you apply to Nationwide?

[John Michael]

Hi John,

This is very uncharacteristic of our advisers to receive a completed "fact find" form only to ignore it. You mentioned that you spent a fair amount of time filling out the "Fact Find", out of interest did you phone to check why we didn't get back to you? After all, you may have sent the form to the wrong email address or something could have gone wrong receiving your information.

It would be helpful to me if you could let me know via a PM who you dealt with.

I'm glad you received an excellent service from Ben rogers.

Hi John,

This is a much more diplomatically worded response than the condescending tirade you fired at my inbox.

If that is the way you respond to legitimate complaints about poor service then it sums up perfectly why I didn't become a customer of your company.

All the best.

[John Michael]

"John" with his one post comes flying in to specifically locate one post about mortgages and to tell us how he needs to have his hand held whilst crossing the road.

Makes you wonder

I am an IT contractor who found a mortgage broker through recommendations from other contractors on this forum, which I browse from time to time, mostly the legal and accounts section.

I am sure I have posted here in the past berating the dishonest service I received from Computer People a few years ago under an old account which I couldn't remember the logon details for.

This time around I was pleased enough with the service I received to take the time to register and give credit where credit was due, and suitably annoyed by the lack of service from others to mention it.

Cheers.

I was fully expecting at least one of this variety of cynical response.

[Jubber]

I initially got in touch with Contractor Financials and Freelancer Financials in April. The former were laughable with regards to communication, failing to return calls and emails from day 1. In fact my last reply from CF arrived a full 13 days after my email and phone message to them with a very basic query.

Contractor Financials / Contractor Money have been great with me - got me the mortgage that I wanted and insurance. I would recommend.

[Freelancer Financials]

Hi John,

This is a much more diplomatically worded response than the condescending tirade you fired at my inbox.

If that is the way you respond to legitimate complaints about poor service then it sums up perfectly why I didn't become a customer of your company.

All the best.

Hi John,

I'm sorry if you feel that my PM to you was condescending, it wasn't intended to be. I was simply trying to ascertain why we never received your email with the "fact find" in case you sent it to the wrong email address.

I'm not sure why we didn't receive your email, it's a total mystery, something I need to investigate. As this is the first complaint we've received like this.

Let me assure you that we are always committed to providing an excellent service, which can be seen from all the positive feedback we receive on this forum. But appreciate your feedback all the same.

[ICantStop]

I eventually got my mortgage through Contractor Financials but my god it was stressful. Thank god I wasn't in a chain because I probably would have lost the house if I was due to their ineptness.

[CloudWalker]

Was Gazumped at the weekend to the tune of 15k