Contractor Moving Home
”I am planning to move house”
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How to Get A Home Mover Mortgage When I’m contractor?
Looking to move house, but wondering how it effects your current mortgage? You could be:
- An existing contractor on the same or a new day rate
- A regular employee that’s recently become a contractor
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 make your next move, including:
- What buying a new home means for your current mortgage
- How much lenders are willing to lend based on your day rate
- How much your monthly mortgage payments will be
Whether you are moving up the property ladder or downsizing. It’s no secret that mortgage lenders are guilty of viewing the self-employed, freelancers & contractors differently to those who are employed.
The reason so many are put off by the prospect of moving home, is the thought of having to go through the whole process of securing a mortgage again. Contractors don’t want to worry about the stress a mortgage can bring, on top of running a successful business.
Our experts here at Super Contractors understand the difficulties that come with any type of mortgage. You will often be left disillusioned when trying to approach high street lenders by yourself. You may have to answer a list of pre-determined questions that don’t take into account the payment structure of contractors, which in turn could prevent you from securing a mortgage deal. With Super Contractors, we can help you secure your home mover mortgage quickly and hassle free.
We are proud to have received excellent recognition for our expert contractor mortgage advice and service.
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 Freelancers. However, Super Contractors aim to make the home mover 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 the best lenders across the United Kingdom to save you the headache. All of this for a low mortgage broker fee and a super quick turnaround, so you can focus on the important things, like moving the furniture into your new home!
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 Home Mover Mortgage. We are also happy to help with any other type of contractor mortgage, protection or insurance you are currently seeking.
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.
Super-fast responsive service, we’ll call you back at time convenient for you
Access to a comprehensive panel which includes exclusive deals not available direct from lenders on the high street.
We’ve helped hundreds of contractors throughout the UK obtain a mortgage.