Mortgages
As a Contractor it can be tough to secure a mortgage because many of the High Street lenders simply don’t understand your unique working status. ICS Money realise that too many times contractors have missed out on their perfect property because a mortgage lender realises that you will only be working with your client for a short period of time.
The independent advisers at ContractorFinancials understand the needs of Contractors and over the past 10 years have helped many thousands of Freelancers find and secure competitive mortgages. Their experience and in-depth knowledge of the market has enabled them to build unique relationships with lenders, ensuring that your mortgage is processed quickly and with minimum fuss.
They help you avoid the expense of self certification mortgages thanks to the income criteria that they have negotiated with lenders. This enables you to borrow based on an annualised multiple of your contract rate alone.
Getting you into your new home quickly
ContractorFinancials have been able to secure special terms for our clients that allow you to gain mortgages with little deposit. The selective lender criteria that they use, means that the whole mortgage application process can be very much quicker than trying to source a scheme direct with the lenders. Mortgages can even be agreed within days of your very first contract.
Unlike many brokers, ContractorFinancials will not charge ICS Money clients a fee for their services. They cover their costs solely from introducers payments from whichever lenders you decide to work with but as a result of FSA regulation you will have the option to pay 0.6% of the loan instead and they will instead refund the commission.
What next?
Contact ContractorFinancials on 0845 062 8888 or via email ICSmoney@contractorfinancials.com and one of the independent mortgage specialists will discuss your needs,
You will then be emailed recommendations which can be discussed in more detail. You will be assigned a dedicated contact to handle your case personally who will help ensure that your application runs smoothly.
Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
Financial advice is given by Contractor Financials, which is a trading name of Contractor Financials Ltd and is regulated and authorised by the Financial Services Authority. |
