A bespoke mortgage to suit your needs
It’s simple. We are able to arrange a mortgage based on your day rate mentioned in your contract! This approach gives the lender a true picture of what you earn, rather than what you draw from your limited company or what is stated on your payslips, so you may be able to borrow more than you thought. Moreover, you could potentially walk away with a much better interest rate!
Call us on 0203 0111 898 to find out more.
Whether you are trying to save money by finding a better rate or looking to release equity, remortgaging is often seen as difficult and expensive but this doesn’t have to be the case. Here at WIS Mortgages our team of specialists will guide you through the process to ensure you find the best deal to suit your contractor needs.
Buy to Let
For years we have heard negative feedback from our accounting clients that Buy to Let mortgages are difficult to get for contractors. We at WIS Mortgages don’t believe this is the case anymore.
It is very important to understand the tax implications of getting in to this area. But with the combined knowledge of WIS Accountancy and Blueberry Wealth, we are better placed to guide you in this area.
First Time Buyer
Getting on the property ladder for first time contractor buyers has always seemed an intimidating and overwhelming process. Here at WIS Mortgages our team of specialist advisers can take away the stress by guiding you through the whole process step by step. We will help you find and secure a mortgage to suit your contractor needs, so your dream of owning your own home can become a reality.
Buy to let via Limited Liability SPV
If you have substantial amount of funds in your contractor company account and serious about being a property landlord this may be the route for you. With recent tax affecting landlords, we have seen an increase in our contractor clients taking this route. We are pleased to announce that we have developed relationships with few banks who can offer this facility now. Given our Accountancy background, you can safely talk to us about tax rules surrounding this area.
So what does this all mean to you?
Gone are the days of SA302s and you can forget about what the accounts of your limited company or payslips show, we will work solely off your contract rate alone, meaning that you can borrow up to 5x your annualised contract rate. A good proportion of our clients receive a mortgage offer even with less than a year of contracting. Fantastic isn’t it!
Help is at hand and be ready to be amazed!! See how much you can potentially borrow towards your next home.