Contractor Financials ? An Overview

Mortgages

As a contractor it can be tough to secure a mortgage because many of the high street lenders simply don't understand your unique working status. Excellium appreciate that too many times contractors have missed out on their perfect property because the mortgage lender realises that you will only be working with your client for a short period of time and so have come up with a solution.

The independent advisers at ContractorFinancials understand the needs of Contractors and have a proven track record in finding and securing competitive and suitable mortgages for your needs. Their experience of dealing with major lenders and in-depth knowledge of the market has enabled them to build strong relationships with lenders, ensuring that your mortgage is processed quickly and with minimum fuss.

They also help you avoid the expense of self certification mortgages thanks to the income criteria that they have negotiated with lenders. This enables you to borrow based on an annualised multiple of your contract rate alone.

Getting you into your new home quickly

Thanks to their experience in the field, ContractorFinancials have been able to secure special terms for our clients that allow you to gain mortgages with little deposit and their selective lender criteria mean that the whole process is much quicker with most mortgages agreed within days of your first contract.

Unlike many brokers, ContractorFinancials will not charge Excellium clients a fee for their services as they recover the costs from the mortgage introducers fees, however as part of the new FSA regulation you will have the option to pay 0.6% of the loan instead and they will refund the commission.

What next?

Please complete our Mortgage finder form or contact ContractorFinancials and one of the independent mortgage specialists will discuss your needs, on 0845 062 8888 or via email excellium@contractorfinancials.com.