Hi Jojo1974,
Whe you say you have remained self employed, is that through your own Limited Company or as a sole trader? How long have you been self employed for so far? Finally, are you contracting to the new company?
These are all key factors which would influence which lenders can assist.
Ben
- 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!
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 "New Mortgage, Is it worth switching to an Umbrella Company"
Collapse
-
Give Contractor Financials a call and get some advice from them. They got me a great mortgage deal in the past and are very helpful.
I seem to recall when I was considering a joint mortgage that they advised I (self-employed) should be listed as the first applicant and my then partner (PAYE) be the second as I earned more. However, I presume you can switch the two around to present a more 'reliable' income profile. A financial adviser is key here though.
Leave a comment:
-
New Mortgage, Is it worth switching to an Umbrella Company
Hi, In June I started to work for a Building company as an Architectural designer but stayed self-employed (I also so my own architectural design work), however now I want to apply for a joint mortgage with my Husband (he's on PAYE!) and i suspect I am going to come up against problems as I'm self employed.
Would I be better registering under an umbrella company? Would that please the mortgage company does anyone know? My employer has said he'll provise me with whatever is necessary to prove I am working for them permenantly for that amount.
The Mortgage is currently in the early stages and I am trying to anticipate any issues....
Thank youTags: None
- 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: