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Tel. 0333 772 1276
Email. [email protected]
Basepoint Business Centre
377-399 London Road
Camberley
Surrey
GU15 3HL
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Latest News & Resources
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,...
Is it Better to Use a Mortgage or My Pension?
This depends on your individual circumstances. We can’t advise on pensions or investments. However, we can work with your Pension Adviser / Wealth Manager to make sure you get the right mortgage advice based on your individual circumstances. Whatever your reason, it’s...
Can I Use My Pension To Take Out a Mortgage?
Yes. Traditionally this was difficult as lenders wouldn’t consider mortgages over a certain age (i.e. 65). However, many will now accept pension income and some have no maximum age. Furthermore, we work with lenders who can translate the value of a pension into an...
Is it possible to secure a Professional Mortgage worth 5 times my salary
Currently, as a professional, you may indeed qualify for a mortgage valued at up to five times your salary. Some lenders even consider extending this to 5.5 times your salary an occasionally over 6 times salary. However, several key considerations should be noted....
As a Business Owner, how do I protect my income?
Being unable to work poses a huge risk for a large number of Business Owners. Having a Business Continuity and Protection Plan is therefore crucial to counter this risk. This will make the business more financially resilient should the worst happen - The loss of key...
How is affordability assessed for a Company Director Mortgage?
The calculation of affordability is a crucial aspect that often leads company directors to seek out specialist mortgage providers to optimise their borrowing potential. Different lenders employ varying methods for assessing affordability. Some may consider an average...
What documents does a Contractor need?
Typically, required documents include - Identification: Passport and driving license. Proof of address: Bank statement, credit card statement, or council tax bill. Personal bank statements: Usually the last three months' statements at a minimum. Business bank...
What is a Professional Mortgage?
Most working people would consider themselves professional. However, when it comes to mortgages, the term 'Professional' has a different meaning. So, what is a professional mortgage and how does it work? What is a professional mortgage? A "professional mortgage" isn't...
What is the Eligibility Criteria for a Company Director Mortgage?
The eligibility criteria can vary significantly among lenders, but you can anticipate the following factors being taken into consideration: Trading Period: Most lenders prefer businesses to have operated for two to three years or more. However, it's still feasible to...