Category Archives for Self-Employed & Business Owner

What Is A Self-Employed Mortgage?

You would be surprised the number of times my team and I get asked: ‘what is a self-employed mortgage?’ You see, in the UK there aren’t different types of mortgages available to different types of employed people. Everyone has access to the same products (within reason). It is the hoops you have to jump through, […]

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How to Get a Mortgage When Self-Employed, My Story!

I’m a company director and my wife, Ayesha, is a sole trader.  We had a mortgage from before we were self-employed, but with house prices constantly on the rise, we decided in 2015 that it was time to move so started looking for our dream home.  We approached our existing lender, however, their procedure for […]

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Let’s make getting a Self-Employed Mortgage easy

Active Brokers | The Self Employed Mortgage Experts

The credit crunch has changed the whole Self-Employed mortgage industry and In today’s market, I sometimes prefer to deal with clients my age, younger or someone who has had a mortgage post-2010 because they don’t remember “the good old days.”   Before 2008 we had a lovely method of verifying income called Self-Certification which basically meant […]

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How Your Self Employed Staff Could Get You Into Trouble

When your company is small and you’re moving from one-man-band into a properly structured company, it can be tempting to hire people who are Self Employed rather than making them employees of your own company. The main reason is not having to run payroll and take care of their taxes, sick pay and holiday entitlements. […]

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Is Overpaying Your Mortgage Worth It?

Active Brokers | The Self Employed Mortgage Experts

It’s a tempting thought to overpay your mortgage when you have some money to spare.  A lot of people do it and some claim to have saved £1000s in interest.  But is it really worth it? The Good Overpaying your mortgage can result in your mortgage being paid off quicker without reducing the term This […]

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Why You Should Never Get A Mortgage Without Home Insurance

Active Brokers | The Self Employed Mortgage Experts

It is not compulsory by law to have home insurance in the UK.  That being said, some mortgage providers will only lend subject to you taking out a valid insurance policy for the building.   Not all mortgage providers do that, and they usually only require you to have buildings insurance. In my opinion, everyone […]

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Protect yourself with Life Insurance

Active Brokers | The Self Employed Mortgage Experts

Life insurance is a type of insurance contract which pays out a lump sum to your husband/wife/civil partner and/or your dependents (depending on the way the policy is set up) should you pass away during the term of the contract. The cost of a policy is determined by a number of factors including your age, […]

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