Umbrella Company Mortgages
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Super Contractors are an award winning, mortgage & protection specialist. We have spent years helping contractors & self-employed workers secure mortgages across the UK.
We are aware of the unique challenges that contractors face. Through our years of experience, we have established great relationships with contractor friendly lenders that understand the unique employment status.
As the landscape of the contracting world continues to change – some contractors have made the jump to using an umbrella company.
We have had many of our previous clients ask whether they can secure a mortgage with their umbrella company. The answer is yes. Below is typically what a mortgage lender is looking for when securing a mortgage.
What Mortgage Lenders Are Looking For:
- A signed contract
- There are payslips available
- Consistent basic pay
- Reputable umbrella company
Looking for advice?
You may have moved into an employed position or you have had to change your career path due to IR35 – but that doesn’t mean you have to go elsewhere for mortgage advice.
Our expert mortgage advisers are fully knowledgeable and know exactly what mortgage lenders need whether you are employed or self-employed. We can help advise on mortgage payment holidays, raising funds for home improvements or just general mortgage advice.
Using a specialist mortgage broker can help you secure the right umbrella company mortgage. We, at Super Contractors, have an award-winning team of expert advisers that can help secure the best mortgage for you.
We are also happy to help with any protection or insurance you are currently seeking.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
This firm charges a fee of up to £595 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.
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 contractors. However, Super Contractors aim to ensure that securing your first time mortgage as 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!
We can help
Super-fast responsive service, we’ll call you back at a time convenient for you
Access to a comprehensive panel which includes exclusive deals not available directly from lenders on the high street or from comparison websites.
We’ve helped thousands of clients throughout the UK obtain a mortgage.