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Tel. 0333 772 1276
Email. info@symmondsdelacey.co.uk
Basepoint Business Centre
377-399 London Road
Camberley
Surrey
GU15 3HL
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Latest News & Resources
How do I protect my income as a Contractor?
Being unable to work poses a huge risk for a large number of Business Contractors. Having a contingency plan is therefore crucial to counter this risk and make you more financially resilient should the worst happen. Some Contractors believe that they cannot get...
Is it possible use company profits instead of dividends as a Limited Company Director?
When seeking a mortgage, Limited Company Directors may explore the option of using profits rather than dividends to assess affordability. This can be advantageous, especially as many directors opt for smaller dividends, preferring to retain profits within the...
What Are The Options For Later Life Lending?
If later life lending is the right approach, it’s common for people to assume that Equity Release is their only option. In reality, this isn’t the case. There are 3 main options – Standard Mortgage Retirement Interest Only (RIO) Mortgage Lifetime Mortgage / Equity...
What’s the best way to protect my income as a Professional?
There are many specialist commercial insurance options available for each industry. While these policies are very important, some may not cover the biggest financial threat to your income - being unable to work due to long term sickness or critical illness. It’s...
Is Business Protection Tax Deductible?
Premiums for Business Protection are usually paid for by the business. The tax treatment depends on the type of policy so it’s best to seek advice from your Accountant. There are also some policies which are treated as employee benefits. Namely these are – Relevant...
How much can Contractors borrow on a mortgage?
The amount of mortgage made available can differ massively depending on both the individual circumstances and the lender involved. For instance, let's consider a scenario where you're a contractor earning a daily rate of £500. Over the past three years, you've...
Can I get a Professional Mortgage with less than one year’s accounts?
This is potentially possible, but will depend on a number of factors. Your industry, professional, qualifications and experience are all key points that lenders will consider when assessing your application. However, if your profession fits within an acceptable...
Is ‘Equity Release’ a bad idea?
It’s fair to say that the term ‘Equity Release’ tends to be associated with some horror stories from the past. However, this market has evolved and Lifetime Mortgages are now considered a more mainstream and certainly heavily regulated product. There are many more...
How is income assessed if you’re a Contractor on a daily rate?
In terms of remuneration through a daily rate, some lenders incorporate this into their affordability calculations, deviating from the usual method of assessing income, such as payslips for the employed and accounts and tax returns for the self-employed. Typically,...