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Why Contractors can struggle getting a mortgage
One of the main frustrations Contractors tell us about is that they can struggle to secure a mortgage. This is because many of the high street lenders aren’t familiar with the way contractors are paid. Generally, this is as a result of lenders basing a contractor’s mortgage on your accounts. These don’t always reflect what you actually earn.
We understand that the way contractors are paid is different. And therefore a different approach to getting a mortgage is needed.
We know which mortgage lenders are familiar with the way contractors work. These lenders will work off your contract alone. They will give you a mortgage based on an annualised figure of your contract rate and will ignore your Limited Company accounts or any other tax efficient method you use.
So, whether your contract is as a Project Manager or an IT Software Engineer. Perhaps you’re a CIS contractor or you’re on a fixed term contract or you are a Locum Doctor contracted by the NHS. Whatever type of contractor you are, if you are looking for Contractor Mortgage Advice in Warminster we can help.
Our team covers the Warminster area including Frome and Westbury.
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Why use Your Mortgage Expert?
If you are looking for a company that can help you with Contractor Mortgage Advice in Warminster then we are here to help. We can provide appointments in the local area including Frome and Westbury.
But, we know you’re busy and might not have time to come to us. If you prefer, we can do the whole mortgage process over the phone or via video call.
We have built up a strong, carefully selected network of local property partners that are renowned for their customer service. This includes local architects, estate agents and solicitors.
When you contact us for Contractor Mortgage Advice in Warminster, we can talk through any additional services you may need. And can refer local businesses to you should you wish.
Our team has strong relationships with specialist lenders who are keen to lend to Contractors. We know how to package your case to maximise success.
Please do get in touch with Your Mortgage Expert to find out more.
A MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
Why choose us?
We are an experienced team based in Wiltshire with mortgage advisers dedicated to the Warminster region. Whether you prefer face to face appointments, telephone or video call, we have a service option to suit. Our flexible options include evening and weekend appointments.
Our team has:
- Over 80 years of experience in the mortgage and protection industry
- All members of our customer facing team have mortgage qualifications
- We have over 100 five-star reviews on Google
- Access to specialist lenders and exclusive deals
- Huge experience with working with contractors
Contact us to talk about contractor mortgages in Warminster. You are more likely to get a successful outcome if you use an experienced broker like us.
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Andy Hopkins - Mortgage Adviser
Andy lives with his family in Warminster. He joined Your Mortgage Expert from a large national mortgage brokerage. He has years of experience helping people with their mortgages. Andy will cut through the jargon and find the solution for you. -
Adam Nanson - Mortgage Adviser
Adam Nanson has worked in the Mortgage Industry for over 20 years. His friendly approach will mean you'll understand the complicated bits and cut through the jargon. He'll work hard to get the home of your dreams.