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Recent content by bodillc

  1. B

    Halifax won't give mortgage due to IR35 and contract wording

    It seems to depend very much on each circumstance. Sorry to sound so vague, but each application has its own bearing on the decision taken. Lets just say mine took long, but got there in the end !!
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    Halifax won't give mortgage due to IR35 and contract wording

    Congratulations to Freelancer Finacials in pulling this off. After many months of agonising frustration and umteen emails and protracted liasing, Halifax came through with a offer this minute !!! FLF certianly tried their best and can be recommended as a good broker. :yay:
  3. B

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

    FLF are OK via Halifax, BUT, as you can see from my previous thread, Halifax want a min of 6 month contract AND the wording in your contract MUST state 5 days a week !!!
  4. B

    Halifax won't give mortgage due to IR35 and contract wording

    Hi John, Thanks for the reply. However, there is no need to intermediate. I am happy with FLF as I went through 6-8 brokers and got let down by all of them before FLF were able to help me out ! I wasted a month or more and lost precious time with these previous brokers for silly reasons ( like...
  5. B

    Halifax won't give mortgage due to IR35 and contract wording

    My application is already with FreelancerFinacials and Halifax are supposed to decide today or tomorrow ! I have no need to skip anybody out. I'm purely curious as to why Freelancer chose Halifax amongst others, such as VirginMoney etc. I am not privvy to which banks are more favourable and...
  6. B

    Halifax won't give mortgage due to IR35 and contract wording

    In general, who do Power Mortgages find as the best mortgage provider / lender to good contractors that are Ltd., being in business for over a decade, and have a good background ? ( ie. clean credit score, low overheads, bookkeeper etc. etc. ). Thanks
  7. B

    Halifax won't give mortgage due to IR35 and contract wording

    Craig see Contractor Mortgages - Award Winning UK Mortgage Experts
  8. B

    Halifax won't give mortgage due to IR35 and contract wording

    I went through 6-8 mortgage brokers and FreelancerFinancials were the sole and only one while I was searching, that did " based on your currently daily rate ". They are actually to be recommended . However, even though I've been contracting for over a decade and work in IT Corporate security (...
  9. B

    Halifax won't give mortgage due to IR35 and contract wording

    I think Power Mortgages has hit the nail on the head there ! Just hit a fussy underwriter and exactly what I am thinking ! I will know on Monday if this gets approved ! btw . the mortgage application was 50% of what I was entitled to if the "day rate x 5 days a week x 48 weeks per annum"...
  10. B

    Halifax won't give mortgage due to IR35 and contract wording

    Thanks. A lot makes sense. The 2 freelancerfinancials have been very helpful and have tried their best. Hats off to them for trying their best and its appreciated. After all, they are trying to broker a deal for their benefit aswell, so, credit to them nevertheless.
  11. B

    Halifax won't give mortgage due to IR35 and contract wording

    Thanks for the replies guys. Wish it was that simple ! I'm surprised Freelancer Financials are battling so much with their Halifax rep / broker / underwriter or whoever he is. Making my application an absolute missery. I could be earning £1000 per day and still wouldn't please him just because...
  12. B

    Halifax won't give mortgage due to IR35 and contract wording

    Freelancerfinacials seem to understand contractors, however, the issue is coming from Halifax themselves. Its a pity my broker has chosen Halifax as its over 2 months that they have been trying to get this deal sorted ( waiting for my contract extension ! )
  13. B

    Halifax won't give mortgage due to IR35 and contract wording

    Thanks for the advice guys. Much appreciated. Very frustrating !
  14. B

    Halifax won't give mortgage due to IR35 and contract wording

    ...or lack of ! My contract ( rolling 3 months ) does not state anywhere that I work 5 days a week on xxx site. It does state my rate and 8 hours a day. However, Halifax will not grant me a mortgage simply because my agency refuses to declare ( understandably - IR35 incrimination ) that I work 5...
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  1. Contracting
    1. General
      1. Brexit
    2. Business / Contracts
      1. Coronavirus Assistance
    3. Accounting / Legal
      1. Umbrella Companies
      2. HMRC Scheme Enquiries
      3. The Future of Contracting
      4. IR35 Reform
    4. Technical
    5. Welcome / FAQs
  2. Social
    1. Light Relief
    2. Social / Events
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