Category Archives for Gary Das

Gary Das

Owner and Founder (ENTJ) Gary became self-employed on 1st November 2006 and has a vision to make Active the No. 1 Broker in the UK, championing the self-employed and business owners. He is easily the most energetic and motivated in the office. Gary aspires to work with a developer to build leading mortgage software and […]

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VIDEO – Multiple Income Sources

Or if you’ve just come from Facebook, you can watch part 2 here: Your home may be repossessed if you do not keep up repayments on your mortgage.

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What do lenders look for with my earnings?

ask more questions mortgage lenders earning

Whether you are employed or self-employed, mortgage lenders are going to go through your bank statements with a fine tooth-comb. Here are some of the main things they will be looking out for in your earnings, and some tips on how to get ready in advance. Your income, expenses, money managing skills and future predictability […]

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I’m Self-Employed; can we get a mortgage?

married couple mortgage self-employed

Every week we get a new enquiry from someone worried because their income isn’t as simple as it would be if they were employed. We’re different and our answer is always the same: just because they or their partner is self-employed or they don’t fit the criteria of the big high-street lenders, that doesn’t mean they […]

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Who’s the best Self-Employed mortgage lender?

circle vents home mortgage self employed lender

Somebody asked me yesterday “what’s the best mortgage lender for me being Self-Employed, and who’s the worst lender to go with?” Really this just falls down to who’s going to offer you the cheapest and best possible interest rate. The best lender is the one that gives you the right amount of money that you […]

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How long does it take to get a mortgage?

clock time mortgage

Hello friends. A customer has just posed me a question: how long is all this mortgage malarkey going to take? I thought it would be easier to break it all down for everybody to understand, there’s a process to go through right from the beginning to the end. You want to buy your dream home […]

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The best type of mortgage for the self-employed

white house flowers mortgage self-employed

This week I’m making it crystal clear which mortgage types are which, and what one I prefer for myself… My favourite mortgage type is a fixed rate. With this option, you know where you stand. Your monthly payment will not change for the next x amount of years and they are generally cheaper than long […]

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Bank of England releases £150bn. What does this mean?

London sunset bank of england

Another possible signal of reduction in interest rates. The Bank of England has released the banks from a requirement to hold £5.7bn of capital as a protection against downturns. I want to put this into plain language and make it easy for people to digest. Basically, this will see that banks have more available funds… […]

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Will I get higher rates because I’m self-employed?

higher mortgage rates yellow windows

Will I get higher mortgage rates because I’m self-employed? The blunt answer is no. No, you will not have to pay higher rates. You get the same mortgages and the same interest rates as everyone else, however different lenders/banks cater for different people and circumstances. One lender might be awesome for your 9-5 employed friends, […]

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“What was your mortgage experience like?”

Gary's dream house

You’re self-employed. I’m self-employed. You’re searching for a mortgage… I’m living in my dream home. This is my experience. Read and learn from what I went through to get to my goal. How can I help YOU? When I receive an enquiry from anyone, my opening question is always “How can I help?” I then […]

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