Mortgages

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DaveB replied

11 January 2009, 22:44
Originally posted by Tensai View Post

I used a broker, seem to be clued up about getting mortgages for self-employed people and got me an excellent deal about 6 months ago. No idea what they can do currently though. PM me if you want the contact details of the chap I dealt with.

I used contractor financials for my last remortgage as well. Seemed very good and very efficient.

Last edited by Contractor UK; 10 March 2020, 11:10.
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Tensai replied

11 January 2009, 21:42
I used a broker, seem to be clued up about getting mortgages for self-employed people and got me an excellent deal about 6 months ago. No idea what they can do currently though. PM me if you want the contact details of the chap I dealt with.

Last edited by Contractor UK; 10 March 2020, 11:10.
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bellymonster replied

11 January 2009, 18:43
Cheers for the info.

I'm well below 70% LVR so I might give them a call. Don't hold out too much hope tho as their website now states they dont do trackers at all.
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BrilloPad replied

11 January 2009, 18:23
Originally posted by bellymonster View Post

Serious question for a change..

My tracker mortgage is about to end and it will jump from 2.49% up to 6.49%.
Obvioulsy I want to change and my bank FirstDirect have some half decent offers.

But, I've never applied for a mortgage as a contractor, and I wondered if anyone else had recently had any success.

I have a v.good credit history but in the current climate didn't know if it was worth applying. Certainly don't want to blot the history by being refused.

What is you LTV%? If under 70 you may well find that current lender will negotiate. Always worth getting another quote to play off against them. If they match you will save yourself the fees.
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GreenerGrass replied

11 January 2009, 18:16
I remortgaged with First Direct (offset) a few months back, they have no problem with contractors.
As well as decent BOE rate trackers their SVR is only 3.69% at the moment.
Not sure whether they will pass on the latest 0.5% cut in full, there is usually a month's lag but they like to undercut the opposition on SVR.
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bellymonster started a topic Mortgages

11 January 2009, 16:58
Mortgages

Serious question for a change..

My tracker mortgage is about to end and it will jump from 2.49% up to 6.49%.
Obvioulsy I want to change and my bank FirstDirect have some half decent offers.

But, I've never applied for a mortgage as a contractor, and I wondered if anyone else had recently had any success.

I have a v.good credit history but in the current climate didn't know if it was worth applying. Certainly don't want to blot the history by being refused.
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