The popularity of contracting in the UK is growing, thanks to workers seeking flexibility and more businesses recognising the benefits of working with an agile employee base. Between 2008 and 2015, figures from the Office of National Statistics show the number of freelancers, contractors, and self-employed individuals increased from 3.8 million to 4.6 million, accounting for 15% of the workforce.
However, without a guaranteed monthly salary enjoyed by employees, getting a mortgage may be harder. As independent mortgage advisers and specialists in working with contractors, we want to share some tricks of the trade with you.Read more & download guide
If you are buying your first home, it’s completely normal to be both terrified and excited at the same time. It can be a long journey too, taking on average between six weeks and eight months (Source: Money Saving Expert), from viewing a property to moving in.
Add on the time it takes to get ready to dive into the process, as well as all the things left to do once you are given the keys and you could be looking at over a year’s worth of work and patience.
For most people though it’s worth the effort.
We are here to help. This guide will walk you through each stage of the home buying process, with pointers, tips and advice along the way. We will ensure that you are fully prepared and able to get the most rewarding experience as a first-time buyer.Read more & download guide
On average, every day in the UK:
- 420 people die from heart problems (Source: British Heart Foundation)
- 45 people are taken to hospital with head injuries (Source: Headway)
- 250 people experience symptoms of sight loss (Source: Royal National Institute for Blind People (RNIB)
- 14 people are diagnosed with Multiple Sclerosis (Source: MS Society)
- 288 people suffer a stroke (Source: Stroke Association)
These all hold the potential to cause an income shock.
But what does that mean?
An income shock occurs when a household loses a main source of income without warning. This could be temporary, through illness or injury, or permanent, such as in the case of long-term disability or sudden death.Read more & download guide
If you work for yourself, or run your own business, getting accepted for a mortgage can be tricky. Our guide, which is free to read or download, explains:
- The steps you should take to prove to mortgage lenders what you earn
- How to find out how much you can borrow
- Five ways to improve your chances of getting a mortgage
Our independent mortgage advisers are here to help too. If you are self-employed, or a business owner, looking for a mortgage, please call us on 0800 612 8099 or complete the enquiry form on this page.Read more & download guide