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Get to know how mortgages work for contractors, the cover they need and how we work with underwriters to secure mortgage funds using day rates!


What are contractor mortgages?

Posted by John Yerou on October 7th, 2015 in Featured Articles, Mortgage Blog

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To understand contractor mortgages, you first have to understand contracting. That may, and should, sound obvious.

But it would surprise you how few mainstream lenders ‘get’ contractor payment structures. Or it definitely seems to you that they’re ignorant at branch and call centre level.

The good news is that, if you’re a contractor looking for a mortgage, we can help.

Continue reading about  What are contractor mortgages?

Why should I take an IR35 test?

Posted by John Yerou on January 30th, 2015 in Contracting Matters Blog, Featured Articles

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ir35-testAs a contractor, you may think that your contract is watertight. You’re wrong. According to HMRC:

“There’s no such thing as an IR35-proof contract”

Can’t argue with that. We can, however, be proactive and find ways to prove that we’re not a disguised employee.

Continue reading about  Why should I take an IR35 test?

How do I find a contractor-friendly mortgage lender?

Posted by John Yerou on July 2nd, 2014 in Featured Articles, Mortgage Blog

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Lenders Branch ManagerBefore applying for a mortgage directly to a bank, we advise contractors speak first to a financial adviser. True, we are independent financial advisers who specialise in helping freelancers and contractors. So, we’d forgive you for thinking: “You would say, that, wouldn’t you?”

But rest assured, we recommend caution when approaching High Street banks for a mortgage for good reason. Based on years of experience, we can confirm with certainty two things:

Continue reading about  How do I find a contractor-friendly mortgage lender?

Relevant Life Cover for Contractors – stick it on expenses!

Posted by John Yerou on July 25th, 2012 in Featured Articles, Financial Advice Blog

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It’s an age old conundrum for contractors. Just how do you provide valuable life cover and financial security for your family in a tax efficient manner?

A revolutionary product has brought life cover into the 21st Century for small business owners. It’s called a Relevant Life Plan and could be the answer you’ve been looking for if you work through your own limited company.

Continue reading about  Relevant Life Cover for Contractors – stick it on expenses!

Income protection for contractors isn’t a luxury, it’s essential!

Posted by John Yerou on November 30th, 2009 in Featured Articles, Protection Insurance Blog

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pig-saving-figureSo many contractors and freelancers overlook Income Protection it’s frightening. Yet it can provide a tax-free monthly income to uphold your current lifestyle if you’re unable to work due to illness or injury.

There are two reasons that independent professionals don’t, but should, cover themselves. First, there’s a short answer; then, a long one.

Here’s the short version of why it’s imperative all self-employed people have income protection.

Continue reading about  Income protection for contractors isn’t a luxury, it’s essential!

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