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Renting compared to having a mortgage
Contractors will generally find that buying a house with a mortgage makes more financial sense than renting a property.
�nd let it. Most contractors have more than enough contracting income so that a specialist contractor broker can�
Category: Articles: Mortgages | Mon, 03 Aug 2015

10 top tips for securing contractor mortgages and loans
Contractors can increase their chances of securing mortgages by using these top tips from a contractor mortgage expert.
�m being awarded the mortgage. 8 - Avoid breaks in contracting One of the attractions of the contracting lifesty� �on to do so, as they can have runs of high-paying contracts that allow them to pay healthy dividends. When th� �enders. 2 - Find a lender happy to use annualised contract rates to set lending limits The good news for con�
Category: Articles: Mortgages | Wed, 27 Apr 2016

Why buy to let (BTL)? Property is great for increasing your income
Get guaranteed income after you retire from contracting. Find out how investing your money in buy-to-let property could be the best decision you make!
�ment could guarantee you a source of revenue when contracts are few and far between, or help you build up a h�
Category: Articles: Mortgages | Fri, 21 Oct 2016

Can company money be used to offset a mortgage?
Can you use company money to offset your mortgage? No, and here's why.
�s funds ready to use during any downturn in their contracting career. With offset mortgages being popular, and�
Category: Articles: Mortgages | Mon, 31 Jul 2017

Contractor Doctor: Should I keep cash in my company or pay off my mortgage?
Contractors should consider their options before deciding to pay-off debts or delay dividends as it may save tax, says Abbott Moore’s James Abbott.
�Dear Contractor Doctor I have been contracting for over two years now and have now amassed a siz�
Category: Articles: Mortgages | Thu, 10 Aug 2017

Contractor mortgages: mortgage products available
There are many contractor mortgage options, but they’re generally not available from high-street lenders
�y. Often branch staff simply don’t understand the contracting sector, and contractors are better off using prov� �ist who deals with lenders that are able to offer contract based underwriting. For a more general round-up o�
Category: Articles: Mortgages | Thu, 17 Aug 2017

Mortgages for contractors: you can get one
Getting a mortgage when contracting does not have to be painful
�rect access to underwriting teams that understand contracting. These underwriters are not accessible to applica� �. So providers use an annualised multiple of your contract rate: if you are earning a certain number of poun�
Category: Articles: Mortgages | Thu, 14 Sept 2017

Contractor Doctor: Can I use my limited company money to offset my mortgage?
Contractors may face a hefty tax bill, and even prosecution, by using company money to offset personal mortgages, warns James Abbott of Abbott Moore.
�e sums in mortgage interest.” Good luck with your contracting! Contractor Doctor�
Category: Articles: Mortgages | Mon, 18 Sept 2017

Keeping ‘em sweet
With the demand for contractors increasing here’s a guide to holding onto your best ones.
�tractors with high professional standards is that contracts are misrepresented in the recruiting process. If� �burst contractors have been happy just to have a contract and delighted if it got renewed, even with enforc�
Category: Articles: Contractor Insider | Fri, 03 Mar 2006

Managed Service Company (MSC) legislation – key guide for contractors and agencies
Contractors using managed service companies are taxed as employees. Debt transfer rules allow HMRC to ask agencies/clients for contractors’ tax owed.
�n providers’ websites. Contractor tests to see if contracting service providers are managed service company pro� �and bank accounts The service provider negotiates contracts with end-user clients and agencies without includ� �distinct from IR35 , it means that a contractor’s contract could be outside IR35 but they could still be pay�
Category: Articles: Managed Service Companies | Mon, 22 Aug 2011