Contractor Mortgages

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Demystify the process of contractor mortgages

Qdos Accounting has partnered with Freelancer Financials to help demystify the process of contractor mortgages. They’re a team of specialist brokers, dedicated to helping self-employed people buy a home.

For the last ten years, they’ve been doing just that. Now, they’re offering their industry insight to you, through us. That earned acumen not only complements our service, but also gives us greater depth. Click here to contact them now!

At some stage, we’ll all consider buying a home or remortgaging for a better deal.

But the rules have changed since the credit crunch. The Self-Cert mortgage is no more. ‘Interest only’ is in short supply and requires huge deposits. Tighter lending guidelines govern banks and building societies, restricting the market yet further… as if affordability criteria wasn’t harsh enough for contractors, anyway!

So how can independent professionals get competitive mortgage rates? It’s not just the how, it’s also the where we go to get advice that will stand us in good stead with a lender. Let’s clear it up a bit, shall we?

Too many experts, not enough solutions

Every contractor you meet has an opinion what it’s like getting contractor mortgages. Whether it’s through experience or what they’ve read, there’s a common theme. Advice they’ve received differs to that given to the last contractor you spoke to.

To put an end to this craziness, we approached the market-leaders, Freelancer Financials.  Together, we’ve compiled a mortgage FAQ guide to help clarify what contractor-friendly lenders look for in an applicant.

The questions are those we get asked for from time to time. The resultant answers outline optimum ways to secure a contractor mortgage in their given scenarios. No waffle. Just fact.

How do I get in touch with Freelancer Financials?

You can contact their contractor-friendly advisors direct on 020 8421 7999 quoting Qdos Accounting.

If you’ve been let down by High Street lenders, you know how frustrating buying a home can be. But that doesn’t mean you’re not mortgage-worthy. Their staff just don’t get how you work.

If you’re brand new to mortgages, take heed from those who’ve gone before you. Save yourself some shoe leather and a load of time and trouble, to boot.

Freelancer Financials’ expert advisors will help you find a relevant mortgage, whether you’re:

  • a first time buyer or first time contractor;
  • upsizing, downsizing or just moving home;
  • hoping to remortgage your existing home for a better deal or to release its equity.

Even if you just want to find out the best rates available, they’re ready. Need help working out how much you can borrow based on your contract rate? Again, it’s no problem.

Call 0208 421 7999, request a call back or send an email to qdos@freelancerfinancials.uk.com. You wouldn’t believe how close you are, to picking up the keys to your new home.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Financial advice is given by Freelancer Financials, which is a trading name of Mortgage Quest Ltd and is regulated and authorised by the Financial Conduct Authority (FCA). Our FCA registration number is 312484.

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