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mortgage
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Contracting and mortgage repayments - low salary, high dividends? Other options?
This may appear as a stupid question. My personal circumstances have changed and I am now facing a big hike in mortgage repayments (I'm looking to pay my former partner out of her share of our flat) so will be facing monthly payments of probably £2500/month. I am in early discussions with...- Boris4PM
- Thread
- dividends mortgage salary
- Replies: 10
- Forum: Accounting / Legal
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Help! Mortgage via an umbrella company (payslips) - advice appreciated.
I need some advice. I received and accepted an offer on my property which I've had for 9 years last Friday. Found the perfect property to buy last Wednesday and put an offer on it. Called Nationwide to discuss porting my existing mortgage and went through the DIP process. I was granted a DIP for...- Sunshine2021
- Thread
- inside ir35 mortgage mortgage lender broker payslips umbrella company
- Replies: 11
- Forum: Welcome / FAQs
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Mortgage question
I'm trying to get a joint mortgage with my partner at the moment for our first home. Been contracting for years and can evidence income/accounts/history/current contract/rate etc. - all good. My partner was at home not earning when our kids were young up until about 18 months ago. She had 50%...- superdeano
- Thread
- mortgage mortgages
- Replies: 8
- Forum: Accounting / Legal
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So much going for and against me - mortgage advice needed
Haven't posted in a LONG time. Yes, I've spared you. But I'm now in a really good and bad position for getting a mortgage and I wanted to get the lay of the land from you guys. Please tell me your personal experience of trying to get a mortgage as a contractor. I want to be armed before I...- CalamityJane
- Thread
- career change gaps mortgage mortgage lender broker work history
- Replies: 15
- Forum: Accounting / Legal
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Big shout out to CMME!
Completed (finally) on our house purchase on Friday, went to my bank (who I have personal and business accounts with) and they looked at me as if I have three heads, went to CMME and they were amazing from start to finish, would recommend to anyone looking for a contractor mortgage. -
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Mortgage Advice from fellow contractors
Hi, Let me start by saying I hope i'm posting in the correct section of the forum! I'm looking to get a mortgage in the next 6 months and I am wondering how to maximise my chances of being accepted for a mortgage as a contractor. The main thing i've been trying to do is build my credit as...- benjimarshall
- Thread
- mortgage mortgage lender broker mortgages
- Replies: 16
- Forum: General
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Mortgage Advice Required
Hi fellow contractors! New here and been reading quite a few posts over the last couple of days related to mortgage...seems like a great community with lots of good advice on offer. Now to my predicament... I have been in work for 1 full year and have a contract until end of the this year...- mac86
- Thread
- broker gaps mortgage time
- Replies: 24
- Forum: Accounting / Legal
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Permie / Contractor Mortgage Joint Application
After a bit of advice, I have been contracting now for just over a year and I am looking to move house. My partner is a permie with a substantial income, however not enough to go it alone on the mortgage. We currently have a staff mortgage through the halifax. I am wondering what the best...- Christoph
- Thread
- contractor mortgage permie
- Replies: 6
- Forum: Accounting / Legal
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Open ended contract (no fixed duration)
Has anyone ever been offered an open ended contract? i.e. no specified duration, it just continues until terminated (4 weeks notice either side). The project has potential to last 18-24 months. Pros: 1. potential to last a long time 2. no need for renewals 3. some mortgage lenders may see it...- balowen
- Thread
- ir35 mortgage no fixed duration open ended contract
- Replies: 14
- Forum: Business / Contracts
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Mortgage with time off between contracts
Hi all, I took some time off for 5 months to study for some qualifications after which I went into a contract (which I've been on for nearly 6 months now). I am trying to get a First Time Buyer mortgage but it's proving a little difficult. The current broker I am using is from the estate agents...- Sheens83
- Thread
- first timer mortgage mortgage lender broker
- Replies: 23
- Forum: Accounting / Legal
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Less than 12 months contracting history - mortgage
I've been lurking around for over a year, decided to create an account now that I have a question. I have applied for a mortgage via broker with less than 12 months contracting history, and she seems to only have access to one mortgage product with pretty high rate. Is this right? Don't I have...- tractor123
- Thread
- mortgage
- Replies: 20
- Forum: Business / Contracts
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Mortgage Woes
Was hoping I could get a bit of advice from anyone who's gotten a mortgage based on their day rate in the past... I am using one of the contractor specific brokers (don't feel like naming which one quite yet as I'm quite angry with them) and they did the usual of giving me rough borrowing... -
Contractor mortgages
Looking to remortgage based on my own contractor income, went to current one (Barclays) who only looked at my self assessment income which was low last year as I retain profits for warchest and split divvies. So they couldn't loan me what I need. Is there a bank/company that will lend based...- Unix
- Thread
- mortgage
- Replies: 57
- Forum: Accounting / Legal
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Contractor mortgage help!
I am a IT contractor going via an umbrella company. No big breaks in between contracts for last 2 years Over 3 months remaining on contract Have current and previous contracts for up to last 2 years I have a mortgage in I principle based on my contract rate (showed my invoices to Halifax... -
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Mortgage broker recommendation?
There are brokers who specialise in mortgages for contractors. There are brokers who specialise in BTL mortgages. But are there any who do both? BTL specialists who are simpatico to the contractor situation? If not can anyone recommend a generalist? Who do our property magnates recommend...- pjclarke
- Thread
- mortgage
- Replies: 24
- Forum: Accounting / Legal
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Contractor mortgages
Has anyone had a contractor mortgage over the last year NOT through HBOS?- BrilloPad
- Thread
- mortgage
- Replies: 1
- Forum: Business / Contracts
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Mortgage brokers
Hi, Having read the websites of the following companies, I am still not sure which one I should go for it. How do you choose a right one? any tips. Freelancer Financials, ContractorMortgagesUk or Countrywide.co.uk It is interesting to find that their fees are different. Any recommendations?- Aden
- Thread
- mortgage
- Replies: 22
- Forum: Business / Contracts
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Mortgage
I have been contracting for 9 months and finding it difficult to find a mortgage. Can anyone suggest a solution? I- Prinsa
- Thread
- mortgage mortgage lender broker
- Replies: 30
- Forum: Business / Contracts
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Contractor Financials now charge a £900 mortgage fee!
Used these guys a couple of years ago and overall pretty pleased with them. I have recently enquired re a mortgage for a potential move and they have informed me they now charge a £900 fee! Quite the increase from the fee free last time. I am currently in talks with Freelancer financials... -
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Mortgage with less than a years books...
Hey everyone Hoping to get some advice. I've been contracting since September 2014, and finally ditched my umbrella and went Ltd in May 2015. I've been in the same contract ever since. I've decided I want to get a mortgage. It's for a house in the £120k mark, and I have £30,000 deposit to put...- Nitro
- Thread
- mortgage
- Replies: 18
- Forum: Accounting / Legal
