Many contractors and freelancers believe securing a self-employed mortgage is difficult because their income can be irregular. Fortunately, this isn’t true and there are mortgage brokers and specialist lenders out there that can help.
That’s why we created Crunch Mortgages, in partnership with our good friends over at Seico, to make sure our clients are given the best possible advice to help secure a mortgage.
As a Crunch client, you’ll have access to:
A free consultation from our brokers, with knowledge of the entire mortgage market
A mortgage based on your current income
A mortgage based on your previous year’s Self Assessment Tax Return if you are a freelancer or sole traders
Your own broker to guide you through the process.
Speak to one of your client managers today or visit our mortgages page for more information.
Mortgage reference services:
If you have your own broker and need our help with a financial reference to support your mortgage application, we can prepare one for just £95 +VAT. We always aim to get your mortgage reference completed within ten days of receiving your payment.
In some situations, you may require a faster turnaround: that’s why we also offer an express mortgage reference service, with a turnaround of two days. This service is available from £195 +VAT.
If you decide to use the Crunch Mortgages service (partnered with Seico) the reference fee will be waived.
If the reference service is included in your annual subscription; then we will usually provide up to two standard financial references per company year. If you require an express reference then there will be an additional charge of £100 +VAT. If you require any further financial references in the same company year, these will be charged at the full price.
We always advise our clients using our reference service to share the mortgage template attached to this article with their broker in advance. Our references are prepared in accordance with ICAEW guidelines, which leaves little room for amendment.
Please also be aware that we’re unable to provide financial projections for you or your company.
Most information requested by your mortgage lender or broker is of a standard nature which we can easily provide. Your Mortgage Lender can send us a note of the information they require at email@example.com