Category Archives for Mortgages

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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When is the best time to apply for a Mortgage?

house fields mortgage time

When you are self-employed, arranging a mortgage can be difficult at the best of times. Without the proper advice you can be left drifting, unable to find the right mortgage deal for you. You need to be armed with all the possible tools in order to fight for your mortgage and that includes knowing when […]

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Commercial Mortgages vs Residential Mortgages

commercial v residential mortgages tower blocks glass

Commercial mortgages are just another facet of the humongous mortgage market. When you’re self-employed and your business world melts into your home life, how do you know that you’re still getting the best of both worlds when it comes to a mortgage? For many self-employed people it can be difficult to navigate the mortgage minefield […]

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5 things to improve your credit rating for a Mortgage

5 tips credit score mortgage

Getting and maintaining a good credit score is not a simple task. Even if you’ve never had debt in your life, that doesn’t guarantee you a perfect credit score. When it comes to getting a mortgage, you’ll need to make sure your credit score is the best it can be or you could be declined […]

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How will a poor credit rating affect my mortgage application?

bad credit score windows white house

Raising a mortgage can be nigh-on impossible for people with poor credit scores whether you are employed or self-employed. Many lenders’ criteria are set to either completely exclude you from their process or offer extremely unattractive rates. Do not, however, be disheartened as there may still be hope, depending on your circumstances. A good credit […]

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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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How much can I borrow?

how much can i borrow mortgage self-employed

When you start house-hunting, one of the first questions you will need to ask is, “how much can I borrow?”. Unfortunately there’s no simple answer. Every mortgage lender uses a different set of criteria to assess your application which means the amount you can borrow can differ. This isn’t helpful, especially when you need to […]

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7 things Self-Employed people can do to get a mortgage

7 tips blue house yellow window self employed

Getting a mortgage when you’re self-employed can be tough if you aren’t armed with the tools you need to fight the lenders. Traditional banks often don’t seem interested in many of the things that make you a viable borrower. We understand your pain and have compiled 7 tips to help self-employed people like you secure […]

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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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