Does taking an Inside IR35 contract have impact on any future mortgage applications?

[BritishLad88]

most of my warchest is actually on my personal bank accounts now. I already extracted a hefty amount out as dividends & incurred the taxes. So i would be drawing on "personal savings"....

[BritishLad88]

Is it always a good idea to overpay as much as you can?

I mean i'm way in a financially better position now than when i took out my mortgage 4-5 years ago & as a result have built up a big enough war chest from various contracts. I could use that to overpay my existing mortgage to...

[BritishLad88]

Haha, i was hoping to omit certain info which i felt would be pointless for the topic i was asking about..



Not too sure right now, it might be a few years away but i'm merely just planning ahead. I might buy a new one and keep my existing one & convert my existing mortgage...

[BritishLad88]

Thanks for the old thread. That's very useful indeed.

Yeah i did spent ages searching on this forum using the search bar on the top right of this page but didn't return any useful threads at all (certainly not that thread you just posted). Maybe the search feature of this forum could do...

[BritishLad88]

That's a fair point. I guess if you have payslips then it doesn't matter if you're a full-time employee of a company or on an Inside IR35 contract as at the end of the day you are viewed as an employee i suppose. So it doesn't matter on your employment contract type....

[BritishLad88]

Does anyone know if Inside IR35 contracts are treated the same as outside IR35 contracts in regards to making future mortgage applications (be it new or remortgage)?

I'm planning to look to remortgage when my existing mortgage deal expires in the next 2 years and will be looking to purchase...