Freelancer Mortgage – Can I Get a Mortgage As a Freelancer?

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Table of Contents Welcome to our guide for freelancers and contractors seeking a mortgage. Here, we unravel the complexities of mortgage applications and mortgages for freelancers and self-employed individuals, offering key insights and practical advice to help you confidently navigate this process. Get In Touch With Our Team Today How Is Self-Employed Income Calculated For […]

Can You Get Zero Hours Contract Mortgages?

Home owner in a meeting to get a mortgage

This guide offers some detailed insights into obtaining zero-hour contract mortgages. It addresses everything from the fundamental understanding of a zero-hour contract mortgage, the application process’s intricacies, how lenders assess zero-hours contract income, and the various factors that influence eligibility. Our objective is to arm you with the essential knowledge and confidence required to successfully […]

How Much Can I Borrow Mortgage Self-Employed?

how much can i borrow mortgage self employed

In this guide, we will explore the intricacies of securing a mortgage as a self-employed individual. Navigating the mortgage market can be complex, especially when you don’t have a straightforward income structure. Understanding the borrowing limits and criteria set by most mortgage lenders for self-employed mortgages is crucial in planning your financial future. How Is […]

Mortgage For Business Owners – How to Get a Mortgage as a Business Owner

How to Get a Mortgage as a Business Owner

When considering applying for a mortgage if you are a business owner, there are many factors to consider. In this guide, we have broken down your common queries and information you are uncertain about to help you feel informed and prepared about the process. Mortgages For Company Directors Understanding the mortgage process as a company […]

Equity Release Calculator

do mortgage lenders use gross or net income uk

At Jones and Young, our free Equity Release Calculator is designed to help you quickly estimate the amount you could borrow. It simplifies the decision-making process when considering equity release. Understanding Equity Release Equity release allows homeowners to access a portion of their property’s value, as cash. This can be done through a loan against […]

Your Guide To Mortgages For Self Employed with 1 Years Accounts

do mortgage lenders use gross or net income uk

In today’s ever-changing economic world, the traditional pathways to homeownership have undergone a significant transformation. The rise of the self-employed workforce has brought about a fundamental shift in how individuals access and navigate the world of mortgages. Now, more than ever, a growing number of aspiring homeowners are finding themselves in the unique position of […]

Do Mortgage Lenders Use Gross or Net Income UK

do mortgage lenders use gross or net income uk

In the UK, mortgage lenders generally use gross income to assess self employed people and individuals’ borrowing capacity. For self-employed applicants, there is often some confusion around gross and net pay; hopefully, this article will help with that. Understanding this key difference is essential for prospective borrowers in preparing for a mortgage application.   Mortgage […]

The Self-Employed Mortgage Guide: What You Need to Know

Latest News for Self Employed

When it comes to getting a mortgage, being self-employed can add an extra layer of complexity. Unfortunately, lenders don’t always make the process easy for small business owners and freelancers who have irregular incomes or don’t fit into traditional lending criteria. However, with the right knowledge and preparation, it is possible to secure a mortgage […]

CIS Scheme Mortgages – Construction Workers

Construction Industry Scheme (CIS) Mortgages

Today’s blog is for all CIS construction workers. I discuss how you can stay tax efficient and borrow more money on a mortgage using your gross pay even as a self employed person.  What is a CIS mortgage and why is it only available for construction workers? If you work in the construction industry and […]