Originally posted by d000hg
View Post
- Visitors can check out the Forum FAQ by clicking this link. You have to register before you can post: click the REGISTER link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. View our Forum Privacy Policy.
- Want to receive the latest contracting news and advice straight to your inbox? Sign up to the ContractorUK newsletter here. Every sign up will also be entered into a draw to WIN £100 Amazon vouchers!
Reply to: Mortgages
Collapse
You are not logged in or you do not have permission to access this page. This could be due to one of several reasons:
- You are not logged in. If you are already registered, fill in the form below to log in, or follow the "Sign Up" link to register a new account.
- You may not have sufficient privileges to access this page. Are you trying to edit someone else's post, access administrative features or some other privileged system?
- If you are trying to post, the administrator may have disabled your account, or it may be awaiting activation.
Logging in...
Previously on "Mortgages"
Collapse
-
Originally posted by Scruff View PostMy wife in an independent Mortgage Consultant. She is busier now, than she has ever been. There are more and more moving outside London...
Leave a comment:
-
Originally posted by d000hg View PostHow did you accidentally open a thread a year old?!
Leave a comment:
-
Originally posted by cannon999 View Post
I have already bought the house since then
Leave a comment:
-
Originally posted by cannon999 View Post
Really? I got a mortgage offer from Halifax just over a week ago and they were only interested in my day rate. Has something changed recently? Slightly worried now if my house purchase falls through I will struggle to get a mortgage again lol. What interest rate are you being quoted?
Leave a comment:
-
Originally posted by Eirikur View PostAny other contractor here finding it difficult to get any substantial mortgage at the moment?
Halifax is not looking at day rates and contract length anymore, only last two tax years of self assessments
CMME says it's tulip at the moment, especially when you have a gap in company income due to COVID in the last couple of months.
Best I was quoted so far is 1/3d of what I was quoted 18 months ago.
Anyone who knows a lender who is still a bit flexible?
Leave a comment:
-
Originally posted by cannon999 View PostAnd yet I am registered with experian and that's what they are telling me.
Leave a comment:
-
Originally posted by DelboyTrotter View Post
True - current contract ends 31st March - but normally dont they ask to see current and previous contract? Maybe with only a month covering to March might red-flag it?
Last time this was the ask:
· Copies of your previous 12 months and current contracts (signed by both parties with the T&C’s)
· Copies of both applicants previous 3 months business & personal bank statements
· If any background BTL’s – signed copy of the tenancy agreement s and proof of 3 months rental (previous 3 months bank statements)
· Copies of your previous 3 months payslips and latest years P60 (only if any applicant is employed)
Either way. You've got a slightly non standard situation with out of date information so speak to a broker. Miss it first time and you go perm you could have a problem if time has moved on.
Leave a comment:
-
Originally posted by DelboyTrotter View Post
True - current contract ends 31st March - but normally dont they ask to see current and previous contract? Maybe with only a month covering to March might red-flag it?
Last time this was the ask:
· Copies of your previous 12 months and current contracts (signed by both parties with the T&C’s)
· Copies of both applicants previous 3 months business & personal bank statements
· If any background BTL’s – signed copy of the tenancy agreement s and proof of 3 months rental (previous 3 months bank statements)
· Copies of your previous 3 months payslips and latest years P60 (only if any applicant is employed)
Leave a comment:
-
Originally posted by ladymuck View Post
You're not perm yet, can you not get the extra using your current status?
Last time this was the ask:
· Copies of your previous 12 months and current contracts (signed by both parties with the T&C’s)
· Copies of both applicants previous 3 months business & personal bank statements
· If any background BTL’s – signed copy of the tenancy agreement s and proof of 3 months rental (previous 3 months bank statements)
· Copies of your previous 3 months payslips and latest years P60 (only if any applicant is employed)
Leave a comment:
-
Originally posted by DelboyTrotter View PostMaking the switch to Perm in April after 12 years contracting and was looking at additional borrowing to fund extension but existing deal was via Freelancer Financials - looking at my existing lender (2 years into a 5 year fixed rate), for income proof for an employed applicant they only need 1 month pay slip - been a long time since I've applied as an "employee" - I always thought it was 3 months payslips? Or is 3 months of bank statements?
Nothing of particular note at my current lenders help page:
https://www.clydesdalebankintermedia.../how-to-apply/
Leave a comment:
- Home
- News & Features
- First Timers
- IR35 / S660 / BN66
- Employee Benefit Trusts
- Agency Workers Regulations
- MSC Legislation
- Limited Companies
- Dividends
- Umbrella Company
- VAT / Flat Rate VAT
- Job News & Guides
- Money News & Guides
- Guide to Contracts
- Successful Contracting
- Contracting Overseas
- Contractor Calculators
- MVL
- Contractor Expenses
Advertisers
Contractor Services
CUK News
- Streamline Your Retirement with iSIPP: A Solution for Contractor Pensions Sep 1 09:13
- Making the most of pension lump sums: overview for contractors Sep 1 08:36
- Umbrella company tribunal cases are opening up; are your wages subject to unlawful deductions, too? Aug 31 08:38
- Contractors, relabelling 'labour' as 'services' to appear 'fully contracted out' won't dupe IR35 inspectors Aug 31 08:30
- How often does HMRC check tax returns? Aug 30 08:27
- Work-life balance as an IT contractor: 5 top tips from a tech recruiter Aug 30 08:20
- Autumn Statement 2023 tipped to prioritise mental health, in a boost for UK workplaces Aug 29 08:33
- Final reminder for contractors to respond to the umbrella consultation (closing today) Aug 29 08:09
- Top 5 most in demand cyber security contract roles Aug 25 08:38
- Changes to the right to request flexible working are incoming, but how will contractors be affected? Aug 24 08:25
Leave a comment: