Whatever your job type, we will help get the right mortgage for you.
Self Employed Mortgages
If you’re self-employed, you might struggle to get a mortgage. This is because your earnings are not as easy to track as someone who is employed. You might need to provide more information in order to be considered
Whether you’re a teacher, IT contractor, engineer or even a manager, you might be in a contract-based role. If so, you might find it more difficult to get a mortgage as your job is considered less secure.
Mainstream lenders sometimes consider teacher’s jobs as non-permanent, especially those on fixed contracts or newly qualified teachers (NQTs). You might need to prove to lenders that you have a sustainable job.
Inconsistent working patterns and contract work often mean that high-street lenders can be over cautious when considering doctors for mortgages. You should choose a lender who will look at your application on an individual basis.
As a company director, your earnings may be lowered to help pay less tax and prioritise your business capital. You might struggle to get mortgage approval as it will be based on your salary and not what you can actually afford.
Taking out a mortgage whilst a university or college can help young people to get on the property ladder much sooner. But getting a mortgage whilst not yet in full-time employment can be extremely difficult.
Why Clever Mortgages?
Clever Mortgages can help source the right mortgage for you, whether you’re a first time buyer, moving home or looking for a buy to let property. We can also help you get a mortgage if you have a bad credit history. We are also authorised and regulated by the Financial Conduct Authority (FCA) and adhere to the Treating Customers Fairly (TCF) guidelines, so you can be confident that we will treat you with integrity and only offer you products that meet your needs.