Contractor mortgages
Discussion
Natalie Larsen at contractor mortgages, I've use them for my properties
if you use this link and end up using them, ill get some Amazon vouchers
www.contractormortgagesuk.com/referral/81399
if you use this link and end up using them, ill get some Amazon vouchers
www.contractormortgagesuk.com/referral/81399
mickymellon1 said:
Natalie Larsen at contractor mortgages, I've use them for my properties
if you use this link and end up using them, ill get some Amazon vouchers
www.contractormortgagesuk.com/referral/81399
£695 is pretty rich in my opinion.....no wonder they give away Amazon vouchers.... if you use this link and end up using them, ill get some Amazon vouchers
www.contractormortgagesuk.com/referral/81399
ContractorMoney aka Contractor Financials have arranged my last two mortgages and never charged me any up front fee. My understanding is that they are offering the banks standard 'intermediary' products, which are annoyingly slightly worse than the direct rates, but the application process is easier overall..
I'm sure I could go to the banks directly but then I would have to follow the standard route and do 3yrs accounts etc
I'm sure I could go to the banks directly but then I would have to follow the standard route and do 3yrs accounts etc
Edited by essayer on Sunday 1st June 10:35
essayer said:
ContractorMonday aka Contractor Financials have arranged my last two mortgages and never charged me any up front fee. My understanding is that they are offering the banks standard 'intermediary' products, which are annoyingly slightly worse than the direct rates, but the application process is easier overall..
I'm sure I could go to the banks directly but then I would have to follow the standard route and do 3yrs accounts etc
I'm sure I could go to the banks directly but then I would have to follow the standard route and do 3yrs accounts etc
I'd be happy to pay a broker an upfront fee if they were able to offer a better deal (rate) than a broker that was charging no upfront fee, of course!
I am not sure if they all have access to exactly the same deals as oneanother or not to be honest.
Sarnie said:
No need, I provide them for my clients without charging £695
Hi Sarnie, So you don't charge a broker fee at all?
Which other lenders can you recommend that assess borrowing based on contract rates alone? I know about Halifax?
One of the mortgage specialist on the CUK forum also mentioned Skipton?
S
essayer said:
ContractorMoney aka Contractor Financials have arranged my last two mortgages and never charged me any up front fee. My understanding is that they are offering the banks standard 'intermediary' products, which are annoyingly slightly worse than the direct rates, but the application process is easier overall..
I'm sure I could go to the banks directly but then I would have to follow the standard route and do 3yrs accounts etc
That's interesting I saw a recent thread on ContractorUK forum about Contractor Financials and it wasn't at all complimentary. It seems there service is appalling.I'm sure I could go to the banks directly but then I would have to follow the standard route and do 3yrs accounts etc
Edited by essayer on Sunday 1st June 10:35
http://forums.contractoruk.com/business-contracts/...
Sketos said:
Hi Sarnie,
So you don't charge a broker fee at all?
Which other lenders can you recommend that assess borrowing based on contract rates alone? I know about Halifax?
One of the mortgage specialist on the CUK forum also mentioned Skipton?
S
Feel free to drop me a mail if you want a chat? So you don't charge a broker fee at all?
Which other lenders can you recommend that assess borrowing based on contract rates alone? I know about Halifax?
One of the mortgage specialist on the CUK forum also mentioned Skipton?
S
After speaking to various mortgage specialists recommended by a number of members on the Contractor UK forum I went ahead with Freelancer Financials. Their standard broker fee is £499 but they gave me a respectable discount when I mentioned I was a Contractor UK member.
To be honest, I would of gladly paid the full broker fee as it is less than my daily rate. And the service from them is exceptional.
To be honest, I would of gladly paid the full broker fee as it is less than my daily rate. And the service from them is exceptional.
Sketos said:
After speaking to various mortgage specialists recommended by a number of members on the Contractor UK forum I went ahead with Freelancer Financials. Their standard broker fee is £499 but they gave me a respectable discount when I mentioned I was a Contractor UK member.
To be honest, I would of gladly paid the full broker fee as it is less than my daily rate. And the service from them is exceptional.
Worst "my daily rate is over £500" post ever To be honest, I would of gladly paid the full broker fee as it is less than my daily rate. And the service from them is exceptional.
What are contractor mortgages like for buy to lets?
Shaoxter said:
Sketos said:
After speaking to various mortgage specialists recommended by a number of members on the Contractor UK forum I went ahead with Freelancer Financials. Their standard broker fee is £499 but they gave me a respectable discount when I mentioned I was a Contractor UK member.
To be honest, I would of gladly paid the full broker fee as it is less than my daily rate. And the service from them is exceptional.
Worst "my daily rate is over £500" post ever To be honest, I would of gladly paid the full broker fee as it is less than my daily rate. And the service from them is exceptional.
What are contractor mortgages like for buy to lets?
http://www.freelancerfinancials.uk.com/mortgages-f...
May be you need a BTL specialists?
Anyway, if you contact them ask for a broker called Ken James, he's really helpful.
Ok in a bit of a quandry. Left the Army last year (July) and worked for Company who supply Contractors to work with military since then.
Applied for a mortgage as myself and girlfriend want bigger house. My credit rating is very good, no debts what so ever and we are putting a deposit of 190k on a 460k house. Our financial advisor shopped around and got us a good deal with Santander. They asked for contract and made sure i had 6 months left of my contract and had worked 6 months. All good they said.
Meanwhile, found a house, we have a buyer for ours and all is good.
Then 2 days ago i get a email of advisor saying that Santander have "looked at the small print" and noticed that the way my contract is made out it im self-employed as i could bring on 3rd parties to help with my work. Now being in Afghanistan that just cant happen. I get a montly salary, no tax to pay, medical insurance off the company etc etc. I have sent a letter to Santander through my advisor who is trying to persuade them that im not self-employed etc. Hopefully it will go ok and ill find out in the next few days.
My advisor said if the Santander thing falls through there is another way but he is waiting out first.
I dont want to have this all fall through because of someone's interpretation of a contract which actually has no bearing to how im employed out here.
Any ideas or is there anyone else who looks favourably on contractors, especially ones that work abroad.
Thanks in advance.
Applied for a mortgage as myself and girlfriend want bigger house. My credit rating is very good, no debts what so ever and we are putting a deposit of 190k on a 460k house. Our financial advisor shopped around and got us a good deal with Santander. They asked for contract and made sure i had 6 months left of my contract and had worked 6 months. All good they said.
Meanwhile, found a house, we have a buyer for ours and all is good.
Then 2 days ago i get a email of advisor saying that Santander have "looked at the small print" and noticed that the way my contract is made out it im self-employed as i could bring on 3rd parties to help with my work. Now being in Afghanistan that just cant happen. I get a montly salary, no tax to pay, medical insurance off the company etc etc. I have sent a letter to Santander through my advisor who is trying to persuade them that im not self-employed etc. Hopefully it will go ok and ill find out in the next few days.
My advisor said if the Santander thing falls through there is another way but he is waiting out first.
I dont want to have this all fall through because of someone's interpretation of a contract which actually has no bearing to how im employed out here.
Any ideas or is there anyone else who looks favourably on contractors, especially ones that work abroad.
Thanks in advance.
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