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Mortgages for Temps and Zero Hour Contractors
Temporary Contracts
To 95% Loan to Value
Repayment and Interest Only
Zero Hour Contracts Considered
No Minimum Experience Considered
Step 1
Enquire Online
Step 2
Speak to an Advisor
STEP 3
We'll arrange the mortgage
Step 1
Enquire Online
Step 2
Speak to an Advisor
STEP 3
We'll arrange the mortgage
Mortgages for Temps and Zero Hour Contractors
Mortgages for temps and zero hour contracts are mortgages for people in temporary employment or on short term contracts with potentially no guaranteed minimum number of hours.
Working as temps may be ideal for those wishing to take career breaks as and when they like. However, in the current climate, lenders are cautious regarding the remuneration packages paid to temps and short term contractors and have shown reluctance in around the stability and security of employment in this sector. Nevertheless, some specialist lenders realise that temps in high demand industries such as IT and banking can be ideal borrowers. Hence, lenders may offer mortgages for temps packages provided you meet their lending criteria. This is where we can assist.
Mortgages for temps is a specialist area within Capital Fortune. We have established relationships with leading providers of mortgages for temps solutions and are familiar with their requirements. To ascertain which lenders criteria you meet, we will conduct a fact find. This will include our advisers assessing your track record of income you have received and in other cases whether your employment is ongoing and likely to be secured in the future. Based on this we will be able to place you with the appropriate lender offering the most competitive mortgages for temps package.
Once the mortgage application has been completed, your mortgage and mortgage protection needs will be constantly reviewed and in the event that new products become available, we will look to continually switch you to those products in order to increase the savings in a hassle free manner.
There are three stages to our award winning process:
1
Indicative Rate
Typically clients using the service, tell us they want to discuss their current situation and take us through any difficulties they may have. We can quickly give an indication as to the feasibility of what they are looking to do, undertake detailed research on the potential rates, confirm we can safely assist and importantly, express how we operate.
2
Approval in Principle
This stage involves completing a 45 minute Mortgage Fact Find questionnaire over the phone to fully assess needs and requirements. Once complete, we undertake research across a comprehensive panel of lenders to recommend the right mortgage. A detailed illustration is provided which we will take you through. If you are happy with the illustration we will then request documents from you to support the application. On receipt of the documents we will obtain formal approval in principle from the lender.
3
Mortgage Application
We will apply for the mortgage on your behalf, submit the necessary documentation and liaise with the lender to obtain your mortgage offer.
We still appreciate however, we are not right for everyone and typically we best assist clients
With non-standard/non-traditional requirements;
That are time pressed and need the most competitive and quick results; or
That just need an independent guiding hand through the minefield of products to obtain them the most competitive deal and to assist them through all the complexities within the mortgage process.
We pride ourselves on delivering advice which is accurate, tailored to your situation and fully compliant with Financial Conduct Authority (FCA) guidelines and best practice.
For help and assistance, call us today on 0207 710 0400 to speak to one of our Mortgage Advisers.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Rates are updated daily and can be withdrawn at anytime without notice by lenders.”
Think carefully about securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.
Commercial Mortgages and some forms Buy to Let mortgages are not regulated by the Financial Conduct Authority.
Brilliant Team
By: Alistair Bates
James and the whole team where absolutely fantastic. My case was not straightforward, however, they ....
For service - Mortgage to assist with: REASON_BTL_REMORTGAGE
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