If it's 14 months since your last break then you may well have some good options.
The mortgage with HSBC based on trading accounts is not a contractor mortgage, it has been assessed as self employed (hence the 3yr account history). If you're assessing self-employed then breaks in contract matter not one jot as they aren't looking at the contract at all.
With a year of continuous work then you may well find that you're in a better position that you feared. I suspect that the 'broker' that you spoke to initially is not a contractor specialist, and as such doesn't know how to get your income assessed.
Engage a contractor specialist broker - as previous posters have said there are 3 or 4 contractor specialists who will be able to help you.
Best wishes,
Mark
The mortgage with HSBC based on trading accounts is not a contractor mortgage, it has been assessed as self employed (hence the 3yr account history). If you're assessing self-employed then breaks in contract matter not one jot as they aren't looking at the contract at all.
With a year of continuous work then you may well find that you're in a better position that you feared. I suspect that the 'broker' that you spoke to initially is not a contractor specialist, and as such doesn't know how to get your income assessed.
Engage a contractor specialist broker - as previous posters have said there are 3 or 4 contractor specialists who will be able to help you.
Best wishes,
Mark
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