Contractor Buy To Let Mortgage

”I am looking to invest in a Buy to Let property”

Get Buy To Let Quote

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Buy To Let Mortgage For Contractors

Many contractors that we work with, use buy to let mortgages. This is mainly due to the fact that a significant number are becoming landlords to help establish a steady flow of income once they retire.

With the help of a specialist mortgage broker like Super Contractors, the process of setting up a Buy to Let Mortgage has never been easier. However, the same problems apply when you approach high street lenders by yourself. They still work of the PAYE model, which doesn’t work for tax-efficient contractors.

Whether it’s your first time as a contractor in the Buy to let world or you’re expanding your property portfolio – you need to check out your financial situation:

  • How much you want to invest in a property
  • How much extra money you have
  • Whether your investment is short or long term

As a Super Contractor you need a sidekick who knows what you’re up against. That’s where we come in because we have the specialist knowledge you need to get a buy to let mortgage, including:

  • Deposit size (often differs from a residential deposit)
  • Your monthly mortgage payments
  • Helping you to decide if your investment is financially viable

You are nearly there, simply fill out the contact form or call us directly on 0800 211 8700 if you want to speak to one of our expert consultants about a Buy to Let Mortgage.

We are also happy to help with any other type of contractor mortgageprotection or insurance you are currently seeking.

We are proud to have received excellent recognition for our expert contractor mortgage advice and service.

  • Feefo Platinum Trusted Award
  • Best Contractor Mortgage Company
  • Feefo Gold Trusted Service Award
  • Feefo - Gold Trusted Service 2018

Lenders decide how much they are willing to offer someone, by analysing your earnings to ensure you will be able to pay back what you have borrowed. This becomes even more of an issue when you are self-employed, as accounts don’t tend to reflect your full income, which will obviously affect how much a lender is willing to offer you.

Here at Super Contractors we only deal with the most trusted lenders, to ensure you are dealing with professionals who understand how contractors work. Our expert consultants are able to secure fantastic rates that you wouldn’t be able to secure by getting in touch with a lender directly.

Since the Financial crisis of 2008 there have been specific lending guidelines put in place that don’t tend to favour contractors. However, Super Contractors aim to make the buy to let mortgage process quick and simple for all our clients.

When approaching the majority of high street lenders, contractors are going to find little success, as these lenders tend to be out of touch with how contractors work. They will have a list of rigid questions, that don’t take into account how contractors, freelancers or the self-employed manage their earnings. Not only can these be a waste of your time, but continued rejections, could lead to a negative credit history.

We have spent years, working hard to source a wide range of lenders to meet your needs. All of this for a low mortgage broker fee and a super quick turnaround.

You may have to pay an early repayment charge to your existing lender if you remortgage. Your home may be repossessed if you do not keep up repayments on your mortgage. This firm charges a fee of up to £395 for mortgage advice. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity.

Many reasons to join us.

  • Speed.

    Super-fast responsive service, we’ll call you back at time convenient for you

  • Choice.

    Access to a comprehensive panel which includes exclusive deals not available direct from lenders on the high street.

  • Expertise.

    We’ve helped thousands of contractors throughout the UK obtain a mortgage.

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