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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
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...
Is Later Life Lending The Right Approach?
This is the most important question. Usually this comes down to considering some key points – Your individual circumstances, plans and objectives Considering alternative options (i.e. other assets, scaling down) Loan amount required & purpose Whether a Lump sum,...
What is the minimum deposit required for a contractor mortgage?
Currently, the minimum deposit stipulated stands at five percent. However, opting for a 10% or 15% deposit unlocks broader options and potentially more favorable rates and fees. An important aspect to note is that with a five percent deposit, lenders typically impose...
What deposit amount is required for a Limited Company Director Mortgage?
While the minimum deposit for a home is typically 5%, securing a favorable deal hinges on having an excellent credit rating. The greater your deposit contribution, the broader your selection of lenders, the more favorable the interest rates, and the lower your monthly...
How do mortgages for company directors work?
In essence, mortgages for company directors operate much like any other mortgage application. A successful application demonstrates alignment with the lenders' risk criteria and the ability to manage repayments. The intricacies emerge from the fact that many lenders,...