It is estimated that around 1 in 5 workers in the UK now self-employed, or working on a zero-hour contract, the mortgage market has finally woken up to the need to rethink some previous assumptions. Until recently it was common practice for a lender to demand a minimum of two years accounts when assessing a […]
Recent court battles involving companies like Uber and Deliveroo have highlighted there is nothing transparent in UK employment law: it’s more of a deep murky sink hole, rather than a beautiful, clear pool. If you’re working as a contractor, you might be happy with the flexibility that the status gives you. But if you work […]
They say moving home is one of the most stressful things we will face in life. The good news is there’s actually quite a lot you can do to de-stress the whole process – and at least moving does have a clear end in sight. Here’s our list of top tips, with thanks to all […]
Caroline is a CIS Painter and Decorator, who received a mortgage offer with just a 5% deposit. She had been an employed decorator for 3 years, but had recently decided to become self-employed, and all the banks she contacted told her they needed a 2-year self-employed trading history. One of our specialist CIS mortgage advisors was […]