Independent Mortgage Brokers

BTL Mortgages For Contractors

Most high street banks and building societies consider day rate contractors as being self-employed and will allow contractors to apply for a buy to let mortgage. Buy to Let mortgage products tend to be more expensive in terms of interest rates and product fees compared to residential mortgages. This is mainly due to the risk […]

Get The Best Property Deal With The Mortgage Advice Online Support

Fortunately, mortgages these days are available to people with all categories of credit histories and occupation state of affairs and are also available to acquire all kinds of properties for the general investment determinations. This condition was massively diverse to more than a few years ago when only a few registered lenders provided prime mortgage […]

Are Contractors Considered As Employed Or Self-Employed For Mortgage?

Typically, a high street bank will accept a new contractor with a two-year employment history in the same line of work. There are however other lenders in the market who are happy to work with contractors on a day rate, so with the right supporting documentation you can be assessed for mortgage eligibility. A Contractor Working […]

When Can i Apply For a Mortgage After Bankruptcy?

Applicants must wait until they are fully discharged from bankruptcy, to apply for a mortgage in the UK. The time applicants need to wait depends on the specific criteria set by the lenders. It usually takes 12 months for the applicants to get fully discharged from bankruptcy. It could vary sometimes on specific circumstances. Once […]

How Do Credit Cards Affect a Mortgage Application?

When applicants are looking for a mortgage, they sometimes run a quick google search to find out “things to do before you apply for a mortgage”. The applicants would find articles on credit scores as the lender’s decision mainly depends on applicants’ credit score. Proper management of credit cards is an essential element to maintain […]

Regulated v’s Non-Regulated Mortgage Contracts

If you’re looking for a buy-to-let (BTL) mortgage. You may soon discover that the market has changed drastically in recent years. The government has rehashed many of the taxation incentives that previous landlords had access to. Also stamp duty (SDLT) increases and changes to lender criteria mean that owning a buy-to-let property is even more […]

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